How to Protect Yourself from Shutdown-Related Scams
Protect your paycheck and your peace of mind—spot scams before they strike during a government shutdown.
A government shutdown happens when Congress doesn’t pass the necessary funding bills to keep federal agencies operating. During a shutdown, some government offices close or reduce hours, and many federal employees may not receive paychecks until funding is restored. While essential services like Social Security, Medicare, and the U.S. Postal Service continue, the uncertainty can create stress for individuals and families. Scammers often try to take advantage of that stress, so it’s important to stay alert and learn practical tips to keep your personal and financial information safe.
1. Watch Out for Unexpected Calls or Emails
Scammers may call, text, or email claiming to be from a government agency or your bank. They might say you’re owed back pay, a grant, or a special benefit—but you have to “verify” your account information first.
Tip: Legitimate government agencies and banks will never ask for sensitive information like passwords, PINs, or full Social Security numbers over email or phone. When in doubt, hang up or delete the message and contact your bank or the agency directly.
2. Don’t Click on Suspicious Links
Phishing emails or texts may include links that look official but actually steal your personal information. Avoid clicking links from unknown senders and do not download attachments you weren’t expecting.
3. Watch for Pressure Tactics
Scammers often pressure you to act “right away” to receive benefits or avoid penalties. They may threaten you with arrest, fines, or account closure.
Tip: Never feel rushed. Take time to verify the information with your bank or government agency before taking any action.
4. Protect Your Accounts
Keep your online and mobile banking secure:
- Use strong, unique passwords or passphrases.
- Enable two-factor authentication if available.
- Monitor your accounts regularly for unusual activity.
5. Stay Informed
Scammers often take advantage of current events, including shutdowns. Stay informed about government updates from trusted sources.
6. Report Suspicious Activity
If you suspect a scam, report it immediately. Contact your bank and, when available, report it to the Federal Trade Commission (FTC). Victims are also encouraged to report fraud to their state attorney general. Reporting scams helps protect others from falling victim.
Government shutdowns can create uncertainty, but you don’t have to face it alone. By staying alert and keeping your personal information safe, you can protect yourself from scams and navigate the shutdown with confidence.
