For families & caregivers
Notice the changes. Start a conversation.
Behavior, payment requests, and secrecy can offer clues that someone is being targeted.
What might be different?
A new online relationship, pressure to keep a payment secret, or unfamiliar requests to send money can justify a gentle conversation. These observations are reasons to ask questions, not proof that someone has lost the ability to make decisions.
Ask without blame
Try: “What did they ask you to do?” or “Can we check this together?” Make room for their account of what happened before offering a solution.
If money is at risk
Offer to contact the provider through a known route together. If there is unfamiliar account activity, report it promptly. Official older-adult education resources can help you prepare the conversation.
Sources & further reading
- CFPB · Protecting older adults from exploitation Government guidance
- CFPB / FDIC · Money Smart for Older Adults Government guidance
- FTC · Pass It On Government guidance
Reviewed October 27, 2026. Provider terms and support routes can change.