Spot the red flags of AI-enabled scams, says California DFPI

California’s DFPI outlines how AI deepfakes and cloned voices trick consumers, and the practical steps that keep money safe.
DFPI warns of AI-enabled scams, from romance plots to fake investments, urging verification, two-factor authentication and slower clicks.

The California Department of Financial Protection & Innovation (DFPI) has warned that criminals are weaponising AI to scam consumers. Deepfakes, cloned voices, and slick messages mimic trusted people and exploit urgency. Learning the new warning signs cuts risk quickly.

Imposter deepfakes and romance ruses often begin with perfect profiles or familiar voices pushing you to pay or invest. Grandparent scams use cloned audio in fake emergencies; agree a family passphrase and verify on a separate channel. Influencers may flaunt fabricated credentials and followers.

Automated attacks now use AI to sidestep basic defences and steal passwords or card details. Reduce exposure with two-factor authentication, regular updates, and a reputable password manager. Pause before clicking unexpected links or attachments, even from known names.

Investment frauds increasingly tout vague ‘AI-powered’ returns while simulating growth and testimonials, then blocking withdrawals. Beware guarantees of no risk, artificial deadlines, unsolicited messages, and recruit-to-earn offers. Research independently and verify registrations before sending money.

DFPI advises careful verification before acting. Confirm identities through trusted channels, refuse to move money under pressure, and secure devices. Report suspicious activity promptly; smart habits remain the best defence.

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