By Madeline Rolfe, Beth Mooney, Teresa Hulme, Millie Paine and Sophie Davi

Fraud is the most commonly experienced crime in England and Wales, making up around 41% of all crime against households and people aged 16 and over. 6 Data suggests that the scale of fraud is increasing, with fraud incidents rising by 19% between 2023 to 2024 across the whole population. 7 Fraud causes significant harm to individuals and the economy. 8 It also represents a national threat: fraud is a form of serious and organised crime. 9 One study found two thirds of serious and organised crime groups committing fraud were also involved in other criminal activity. 10 In some cases, proceeds from fraud were used to fund other illegal activity. 11 Tackling fraud is a strategic priority for policing and is included in the Strategic Policing Requirement. 12 The government has also underlined a commitment to tackling fraud in the Fraud Strategy. 13 This is an opportune time to generate insight around how best to tackle fraud. Previous Crest research found initial evidence to suggest that the risk of young people being exposed to and experiencing fraud is disproportionately growing compared to elderly people as the internet increasingly becomes part of their daily lives. 14 However, research to understand children and young people’s (CYP) experiences of fraud is lacking. This research is the first to specifically focus on fraud committed against CYP. It examines reporting data from the National Fraud Intelligence Bureau (NFIB), interviews with CYP, and nationally representative surveys with both CYP and parents and guardians. Findings from these sources have been triangulated to build a comprehensive picture of fraud experienced by CYP. A wider range of fraud experts have also been engaged throughout this project to ensure our research is cutting edge and informs action in this sector. This research is well timed given Fraud Minister David Hanson’s announcement at the Global Anti-Scam Summit in March 2025 that an expanded fraud strategy is to be developed and published later this year. Key findings Scale and nature of fraud against children and young people 1. Most CYP have been targeted by fraudsters within the last year. According to our survey, 88% of CYP aged 13-21 had been targeted by fraud in the last year. Only 1% of children and young people (CYP) have never encountered fraud. 2. Nearly a third (29%) of CYP have been a victim of fraud. Some CYP are more likely to experience fraud victimisation, including older CYP (aged 18-21) and CYP with Special Educational Needs and Disabilities (SEND). 3. Milestones where CYP gained new or increased financial independence coincided with fraud victimisation. For example, some of our interviewees experienced fraud after opening their first bank account or getting their first job. There was also evidence of victimisation after CYP received a lump sum of money e.g. the 16 to 19 Bursary Fund. 4. The most commonly experienced types of fraud by CYP are advance fee fraud, banking and credit fraud, financial investment fraud, cyber fraud, and identity theft and fraud. Available data suggests that, on average, CYP lose the most money from financial investment fraud. 5. Advance fee fraud is the most commonly recorded fraud against CYP, it accounted for the majority of CYP reports to professionals and was commonly experienced CYP interview participants 6. CYP are more likely to experience fraud on certain online platforms. These were Instagram, Facebook and TikTok. Interestingly, these platforms are not where they spend most of their time. Children and young people reporting fraud 1. Nearly two-thirds of CYP told someone about their experience of fraud. The most common person to tell was a parent/guardian, with over half (59%) of survey respondents telling their parent/guardian about their experience. Reporting the fraud to the bank (35%) and Action Fraud (22%) was less common. 2. The most common barrier to reporting fraud was due to feeling that nothing would happen, with 27% stating this reason. Impact of fraud on children and young people 1. CYP reported significant emotional impact as a result of fraud victimisation. Almost half (47%) of survey respondents reported feeling strong emotions such as anger, sadness, fear, frustration as a result of their victimisation; and over a quarter (27%) of survey respondents stated that being a victim of fraud impacted their mental health. 2. Fraud victimisation leads to CYP changing their behaviour. Changing internet use and online activity was a common impact of fraud victimisation amongst CYP, this ranged from being more cautious online with emails, websites and privacy settings to stopping a particular online activity altogether, such as online shopping or online banking.

London: Crest Advisory, 2025. 86p,

By Aisha Abubakar, Rowland Seymour, Alison Gardner, Nicola Wright, Rachel Fyson, Imogen Lambert, and Rachael Clawsona

People with an illness, disability or other health conditions are more likely to experience various forms of exploitation in comparison to other groups, particularly if their health condition necessitates assistance with daily functioning such as personal care, financial management, or socialising. For the purpose of this study, we consider a wide range of cognitive impairments and differences that affect processing, understanding, and memory, and therefore may cause additional challenges in everyday life. People with ‘hidden’ disabilities such as mental health conditions, cognitive decline, intellectual disabilities, autism, and ADHD are more vulnerable to exploitation than people with other types of disability. For example, they may be vulnerable due to trauma from adverse experiences leading to dissociation, or addiction means they can be exploited to fulfil their needs. They may struggle to recognise when they are being exploited and may be unable to effectively communicate or report abuse. Adults with cognitive impairment living alone may be vulnerable, while those having difficulty understanding financial matters may be more vulnerable to financial exploitation. The aforementioned factors not only increase vulnerability to exploitation but also amplify the severity of harm when exploitation occurs, making the relationship between cognitive impairment and exploitation a complex and multidimensional phenomenon. Hence, implementing strategies that pay attention to these factors is imperative in preventing exploitation and mitigating the severity of harm. Yet, there is a lack of public and official statistics to quantify the intersections between exploitation and disability/cognitive impairment to inform appropriate strategies for mitigation. Adults with cognitive impairments may be classed as a vulnerable group of individuals at increased risk of being exploited because of their reduced capacity to identify and report abuse or exploitation. Hence the prevalence of exploitation in this population is

not well understood, it is thought to be under-reported due to the challenges faced by these individuals in communicating their experiences . Section 42 (S42) of the Care Act 2014 requires local authorities in England to conduct investigations when they have reasonable grounds to suspect that an adult with care and support needs is experiencing, or is at risk of experiencing, abuse, neglect, or exploitation. Social workers, health professionals, the police, and other relevant stakeholders are all involved in S42 investigations, with the aim of ensuring the safety and well-being of adults with care and support needs, as well as preventing and responding to incidences of maltreatment. Hence, these enquiries are intended to garner information about the adult and their circumstances, assess the risks to their safety, and determine the best way to protect them. Estimates from the Crime Survey for England and Wales (CSEW) show that between 2014 and 2020, people with cognitive impairment aged between 16 and 59 were more likely to be victims of different forms of domestic abuse and sexual assaults than people with other forms of impairment, particularly women. However, it is not possible to extrapolate what incidents reported by individuals with lived experience constitute exploitation in the CSEW. Hence this paper is an exploratory study aimed at quantitatively understanding the intersections between cognitive impairment and exploitation. Given that there is currently very little intersecting data, quantitative statements about how people with cognitive impairment are at risk of, or are being exploited, need to be extrapolated. To extrapolate the relationship between cognitive impairment and exploitation, this

study provides a descriptive account of disability prevalence, exploitation prevalence and S42 enquiries in English LAs using data from the Family Resources Survey (FRS), the National Referral Mechanism (NRM), and the Safeguarding Adults Collection (SAC), with the aim of addressing the following important questions: • Are there trends in disability prevalence and exploitation by types of impairment, and if so, what types of cognitive impairment and exploitation are more prominent? • Are there trends in S42 enquiries, and if so, what are they? • What proportion of S42 enquiries involved people with cognitive impairment? • How frequently did exploitation appear as a factor of S42 enquiries? The remainder of the paper is structured as follows. Section 2 explains what data is currently available to quantify the relationship between cognitive impairment and exploitation. The results and discussion in Section 3 then provides a contextual and descriptive account of the prevalence of disability and exploitation in England, including findings from the analysis of S42 enquiries. The final section offers concluding remarks, limitations, and emerging recommendations.

Working Paper 2023 50p.