In an interesting FTC study, there are targeted attacks for minority & poor communities.  It is important to educate & keep all individuals safe as we forge ahead in 2022.

Advancing racial equity by addressing consumer issues affecting Black communities | FTC Consumer Information

Reports to the FTC, analysis of data from FTC enforcement actions, and research have shown that people living in majority Black communities are disproportionately harmed by fraud and other consumer problems. Racial discrimination has led to structural barriers to accessing credit, housing, and income-generating opportunities, especially in Black communities. The FTC has brought enforcement actions and provided consumer education to address various issues that adversely affect communities of color, such as discriminatory auto financing, predatory lending, inaccuracies related to tenant screening and credit reporting, deceptive student debt relief operations, shady debt collection practices, and phony money-making opportunities.