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The Federal Reserve Bank of New York works to promote sound and well-functioning financial systems and markets through its provision of industry and payment services, advancement of infrastructure reform in key markets and training and educational support to international institutions.The New York Fed engages with individuals, households and businesses in the Second District and maintains an active dialogue in the region.Dating and romance scams often take place through online dating websites, but scammers may also use social media or email to make contact.They have even been known to telephone their victims as a first introduction. The only way to avoid an online romance scam is to be aware of their occurrences and also to know how to spot them before they begin.This is the most widespread internet and email scam today. "Phishing" is where digital thieves lure you into divulging your password info through convincing emails and web pages.These solicitations promise consumers access to personal loans through a nonexistent Federal Reserve lending program.

There were two distinct stories (or it might be the same author...) and I did not consider paying much time on them until the second group of messages arrived in my mail box.

These phishing emails and web pages resemble legitimate credit authorities like Citibank, e Bay, or Pay Pal.

They frighten or entice you into visiting a phony web page and entering your ID and password.

Consumers are encouraged to deposit large sums of money into a bank account, under the guise of a security deposit, in order to receive the purported loan.

The Federal Reserve is advising consumers that it has no involvement in these solicitations and does not directly sponsor consumer lending programs.

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