Experts say seniors face new scams in 2026

Our thanks to the AARP for information contributing to this story.

Experts who track fraud trends say that 2026 is likely to bring a surge in scams specifically designed to target older adults. Seniors are often singled out because scammers believe they may be more trusting of authority, more likely to answer phone calls, and more financially stable. As these schemes grow more sophisticated, criminals are increasingly using fear, urgency, and impersonation to pressure victims into acting quickly before they have time to verify what is happening.

One of the most dangerous scams expected to continue targeting seniors involves criminals posing as law-enforcement officers or government officials. Victims may receive phone calls or video messages claiming there is an arrest warrant, an investigation, or a serious legal issue tied to their name. The caller often uses threatening language and insists that immediate payment is required to avoid arrest. It is important to know that real law enforcement does not operate this way. Police will never call someone to warn them that an arrest warrant has been issued. If a legitimate warrant exists, officers will appear in person to execute it.

Employment scams are also expected to remain common, even among older adults seeking part-time or remote work. Fraudsters post realistic job listings and move quickly to gain trust, then request personal information, banking details, or upfront fees for training or background checks. These fake jobs often disappear as soon as the requested information or money is provided, leaving victims exposed to financial loss and identity theft.

Another scam that disproportionately affects seniors involves fraudulent recovery services. After someone has already been scammed, criminals may contact them claiming they can help recover lost money. These so-called recovery agents usually demand an upfront fee and request payment through gift cards, wire transfers, or cryptocurrency. In almost every case, no money is recovered, and the victim loses even more.

Check fraud continues to be a persistent threat as well. Seniors may receive checks connected to fake prizes, refunds, or payments and are instructed to deposit the check and send back part of the funds. Although the bank may initially credit the deposit, the check eventually proves to be counterfeit, and the victim is held responsible for the full amount.

Advances in technology are making scams harder to detect. Artificial intelligence is now being used to create highly convincing emails, phone calls, and websites that closely resemble legitimate businesses and government agencies. These scams often lack the obvious warning signs people once relied on, making them especially dangerous for older adults who may not expect such polished deception.

Across all of these scams, fear and urgency are the common tools used to pressure victims into acting without thinking. Seniors who receive unexpected calls, messages, or demands for payment should always pause and verify the situation independently. If someone receives a call claiming to be from law enforcement and has any questions or concerns, they should never rely on the caller’s instructions. Instead, they can contact the non-emergency number for the Broward Sheriff's Office at 954-764-HELP (4357), where staff can determine whether the call is legitimate and provide guidance.

As scammers continue to evolve their tactics, awareness and verification remain the strongest defenses for seniors in 2026.