FTC年度报告：60岁以上长者2025年报告诈骗损失约30亿美元，五年增约五倍
美国联邦贸易委员会（FTC）10月19日向国会提交年度报告《保护老年消费者2025—2026》。报告显示，60岁及以上长者2025年向该委员会报告的诈骗损失约30亿美元，较2020年的约6亿美元增长约五倍。
这轮增长主要由单笔特大损失推动。单笔损失在10万美元以上的报告，合计金额从2020年的约3.06亿美元升至2025年的约21亿美元，增长近七倍；这类报告只占长者有损失报告的约6%，却占到损失总额的70%。
按类型看，投资诈骗仍是让长者损失最惨重的一类：2025年报告的投资诈骗损失达10.6亿美元，同比增长42%，受害者称骗子多通过社交媒体与他们接触。此外，与年轻人相比，长者更容易在技术支持诈骗、中奖与彩票诈骗、爱情诈骗、冒充政府机构诈骗和冒充亲友诈骗中蒙受损失。
年龄越大，单笔损失中位数越高：80岁及以上长者报告的个人损失中位数为2,000美元，是各年龄组中最高的。FTC同时指出，由于大量诈骗从未被报告，2025年长者因诈骗承受的实际总损失估计在133亿至1,195亿美元之间。
FTC消费者保护局局长 Christopher Mufarrige 表示，该委员会致力于保护美国长者免受诈骗侵害，将采取一切必要行动关停诈骗团伙。报告还汇总了FTC过去一年涉及长者的执法行动、消费者教育和外展工作。这份报告经委员会以2票对0票批准提交国会。
（来源：美国联邦贸易委员会）
FTC Annual Report: Older Adults Reported About $3 Billion in Fraud Losses in 2025, Up About Fivefold Since 2020
The Federal Trade Commission (FTC) submitted its annual report to Congress, Protecting Older Consumers 2025-2026, on October 19. According to the report, adults aged 60 and over reported about $3 billion in fraud losses in 2025, up about fivefold from roughly $600 million in 2020.
The increase was driven largely by extraordinarily large individual losses. Reports of losses of $100,000 or more rose nearly sevenfold, from about $306 million in 2020 to about $2.1 billion in 2025; such reports made up only about 6 percent of older adults' loss reports but accounted for 70 percent of the money lost.
By category, investment scams remained the costliest for older adults: reported investment scam losses reached $1.06 billion in 2025, up 42 percent, and victims said scammers often first reached them on social media. Compared with younger adults, older adults were also more likely to lose money to tech support scams; prize, sweepstakes and lottery scams; romance scams; government impersonation scams; and scams impersonating friends or family members.
Median individual losses rose with age: people aged 80 and over reported a median loss of $2,000, the highest of any age group. The FTC noted that because most fraud goes unreported, the overall cost of fraud to older adults in 2025 could range from $13.3 billion to as high as $119.5 billion.
Christopher Mufarrige, Director of the FTC's Bureau of Consumer Protection, said the agency is committed to protecting older Americans from scams and will take every action necessary to shut down fraud operations. The report also details the FTC's enforcement actions, consumer education and outreach affecting older adults over the past year. The Commission voted 2-0 to issue the report to Congress.
(Source: U.S. Federal Trade Commission)
来源：美国联邦贸易委员会
发布：GSM·美国（发布链接）
图片来源：图：位于华盛顿的美国联邦贸易委员会总部大楼（资料图）。摄影：Gryffindor，公共领域，经 Wikimedia Commons。 / Photo: The headquarters building of the U.S. Federal Trade Commission in Washington, D.C. (file photo). Photo by Gryffindor, public domain, via Wikimedia Commons.
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