ST. PAUL, Minn. - As Minnesota lawmakers wrap up their 2013 session, one of the new statutes that has emerged aims to prevent seniors and others from being scammed through wire transfers of money.

According to DFL Rep. Joe Atkins, for one thing, money transfers to locations other than the original destination are not allowed.

"If your money gets sent someplace and is being picked up or attempted to be picked up in a place other than where you sent it, you would get notification," he reported. "This is a key feature in these scams. They never pick up the money where you sent it, because they know that they could get caught."

The other part of the new law, which is supported by consumer groups such as AARP and will take effect August 1, is the development of a "do not send" list. That will allow people to sign up themselves and their elderly relatives, so they are not allowed to wire-transfer funds.

One woman who knows all too well how sophisticated scammers can be these days is Peggy Hiestand-Harri of Duluth. Her mother forked over $47,000, mostly from credit card advances, after being told she had won millions and a new car in a lottery.

"She's talking to a Lee Miller, border patrol for car stamps, a lawyer by the name of John Lee, Bank of America Senior President Mr. Peter Brown, and then she talked to the U.S. Marshal from Washington, D.C. And she's got routing numbers and account numbers, and I could see how she could think this car is coming."

Harri said her mother had to declare bankruptcy, and since then she has been withdrawn, and her mental and physical health have both deteriorated rapidly.

That story is hardly unique. Rep. Atkins notes that in these cases, when the money is gone, odds of recovery or an arrest are minimal, and currently Minnesota is the top fraud target in the nation.

"And I don't know what it is about Minnesotans, but we're just awfully nice people," the lawmaker declared. "Scammers can keep folks on the (phone) line a little longer than most and they suck them in and the next thing you know, folks are wiring hundreds or thousands or tens of thousands of dollars to scam artists."

Last year alone, there were over 100,000 scam victims in Minnesota, with losses estimated around $5 million, although it is said to be one of the most under-reported crimes.

More information is at bit.ly/109XRQ6.




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As the COVID-19 pandemic has subsided, senior centers in Virginia are welcoming back their participants, and one in particular has shifted some of its focus to the environment.

A National Council on Aging survey found senior centers provide a sense of connectedness for older people who might otherwise face barriers to making friends and being part of their community.

Charlottesville's Center at Belvedere offers myriad services and programs, but has taken a keen focus on environmental wellness.

Peter Thompson, executive director of the Center at Belvedere, said the programs have become a staple of the center's activities.

"Environmental wellness is a part of our mission," Thompson explained. "It's part of our program model that environmental wellness is important, just as spiritual, emotional, physical, intellectual, etc. It's long been a part of our history."

The Center has partnered with the Piedmont Master Gardeners to develop a horticulture club. The club helps people become better home gardeners and help work on a pollinator garden. Other programs in the same vein include bird watching.

Thompson pointed out reaction to the programs has been favorable. He noted the Center's mission is to ensure people have access to information, and then trust they will do the best they can with it. He describes how people have taken this information into their own lives.

"Our participants approach us and say, 'I want to learn more about this,'" Thompson observed. "They trust us to be a neutral source of, you know, 'Here's the information.'"

He added the Center itself is also working to become more environmentally conscious. In partnership with the Community Climate Collaborative's Green Business Alliance, they have established their own climate goals. They are working to reduce operating costs by "greening" their energy use and using solar and other renewable forms of power.

On Wednesday, Xcel Energy customers will have a chance to tell the Colorado Public Utilities Commission what they think about the company's request - to raise base electricity rates 8.2%, and bring in $312 million more in revenue.

Bill Levis is a former director of the Colorado Office of Consumer Counsel and AARP Colorado volunteer.

He said this is the fifth request to raise rates in as many years - and low and fixed-income Coloradans who are already spending up to 30% of their budget on utility bills, can't afford another hike.

The PUC is also considering alternative rate proposals.

"The Utility Consumer Advocate has determined that Xcel should actually reduce its proposed net increase by $26.6 million," said Levis. "So instead of an increase, there would be a decrease."

To join the virtual hearing at 4 p.m. Wednesday, visit 'PUC.colorado.gov,' or call 303-869-3490 to leave a comment in English or Spanish.

Xcel is also asking the commission to bump up their authorized profits to just over 10%. The company has argued that increased revenue is needed to transition to clean energy, and that base electricity rates in Colorado are lower than the national average.

Levis said 10% is a big payout, considering anyone who has money in a savings account earns 0.5% to maybe 1%.

He added that the company's rate claims are largely based on the fact that Colorado uses less energy on average than states like Arizona, where air conditioners run many more months of the year.

"Well if you look at what's happened in the last five years, those rates have creeped up," said Levis. "AARP is very concerned that the rate creep is something that consumers on fixed incomes just can't absorb."

Levis said he believes public engagement can make a difference, pointing to the uproar over last winter's high utility bills.

Colorado lawmakers recently passed Senate Bill 291, which prohibits Xcel from passing certain costs on to its customers, including advertising and lobbying.

Levis said that's significant because Xcel currently boasts the largest lobbying force in the state.

"I think that's a big win," said Levis, "because in the last couple of legislative sessions, the General Assembly passed bills that actually benefited the company to the detriment of consumers."

Phone scammers are now using artificial intelligence to steal money from victims with realistic-sounding facsimiles of loved ones.

Scammers take existing recordings uploaded to social media and use AI to create a dynamic version of the voice that can read a script, and is then used to trick others out of cash. Seniors are often targeted, and when AI voice cloning is coupled with phone "spoofing," which falsifies the caller ID to appear as a familiar and trusted phone number, these calls become very convincing frauds.

Katie Shilton, associate professor of information science at the University of Maryland, said raising awareness is currently the best defense.

"People should know that this is a growing kind of crime and should be a little bit suspicious of frantic, threatening phone calls," Shilton advised. "One of the best countermeasures right now is to try to call the person back on their number."

Phone spoofing can also be used to mimic the phone number of a government agency or reputable organization. The Federal Trade Commission reports scammers may use an intermediary posing as an authority figure such as a fake lawyer or police officer.

Scammers will often ask victims to pay or send money in ways making it difficult to recover, including wire transfers, buying gift cards and sending them the number and PIN, or cryptocurrency. If you encounter a scam, you can report it to the FTC at ReportFraud.ftc.gov.

Shilton said the AI enabling scammers was originally developed for beneficial purposes.

"AI-powered phone scams are powered by a form of AI development that was meant for prosocial purposes," Shilton explained. "Originally, the voice mimicking was for art or for film; a lot of this work has been about accessibility to create voice assistants. Some of this work was to create voice assistants for business purposes."

The National Science Foundation has established an institute for Trustworthy A.I. in Law and Society. The institute is a partnership between the University of Maryland, George Washington University and Morgan State University, and seeks to develop mechanisms to ensure AI trustworthiness via both technological and public policy responses.

Shilton pointed out one area of innovation for researchers is the concept of watermarking AI output.

"Watermarking is a really promising area of research for generative AI in general, including voice mimicking technologies," Shilton emphasized. "The idea that we should have some sort of way for people to tell when something has been generated by AI as opposed to naturalistic recordings of people or something like that. "

Shilton noted one approach the institute is using to improve public trust in AI is including stakeholder communities in the design process.

"We have participatory design projects with the teachers union in Baltimore, to talk about tools for the classroom," Shilton said. "These are frequently designed outside of classrooms. Could we design them with teachers and parents and teenagers? Or we have accessibility design projects with blind communities to do object recognition."


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