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Using, spending, storing and sending money has changed a lot for people who use cryptocurrency. Unlike cash or credit cards, crypto is digital money that exists only online and runs on blockchain technology. This system records transactions directly between users,...
You check your bank account and freeze. The money you wired to close on your dream home has vanished. A criminal intercepted your wire transfer and stole your life savings in minutes. This nightmare happens to thousands of Americans every day, and the clock starts...
Scammers and cybercriminals continuously devise sophisticated methods to drain your bank account. Fortunately, the Electronic Fund Transfer Act (EFTA) provides legal protections. But how robust are these safeguards when you're targeted? What EFTA covers and how it...
Attorneys Larry Smith and David Marco were featured speakers at the Spring Training 2025 Conference "Electronic Funds Transfers Act" Track held by the National Consumer Law Center and the National Association of Consumer Advocates in Long Beach, CA. The National...
Background checks have become standard practice for many modern employers. They went to verify that a candidate does not have any major criminal convictions or other blemishes on their record before extending an employment offer. Background checks help businesses...
Scams, fraud, and financial losses can happen to anyone. The Consumer Financial Protection Bureau (CFPB) helps protect consumers, but if it shuts down, you still have options. Several agencies and legal paths remain available to help you recover lost funds and hold...
When fraud strikes your bank account, the response from your bank might not be what you expect. While commercials portray banks as caring partners in your financial journey, the reality of dealing with fraud can tell a very different story. The 24-hour race against...
In today's digital age, banking scams have become increasingly sophisticated, making it hard for people to distinguish them from legitimate bank communication. Knowing the warning signs could save you from devastating losses. Here are the key red flags that should...
SmithMarco, P.C., Attorneys at Law has recovered nearly $200,000 from Citibank on behalf of an 82-year-old client whose checking and savings accounts were drained by a fraudster. The victim had banked with Citibank for over 37 years and had never used online banking...
Credit reports play a vital role in shaping the financial health and opportunities available to individuals and businesses. Unfortunately, errors in credit reports can lead to significant setbacks, such as denied loan applications and damaged reputations. While it is...