What are thefraud types CIFAS uses?

The CIFAS fraud types are as follows:

Protective Registration- where the entry on the database has been made at the request of the person named. The entry may be requested due to the person being a victim of crime, such as a burglary or theft, where personal documentation has been stolen. Stolen documentation can be used to apply for an account, policy, service or insurance claim in the victim's name. Protective Registration helps to prevent this. Victims of data breaches and those at particular risk of identity fraud may also register with the service.

Identity Fraud - where either a bogus identity or the identity of a genuine person is used without their consent, in an application for an account, policy, service or insurance claim. Also contained within this fraud type are the details of the victim of impersonation filed for his/her own protection, which does not mean that he or she has committed fraud.

Facility Takeover - where an existing customer's facility (e.g. bank account) is hijacked by a fraudster and unauthorised transactions made, for example, money is transferred out, the address on the account changed, or new cards requested.

Application Fraud - where an applicant has used his/her own name but has made an application for an account, policy, service or insurance claim which contains a 'material falsehood' for example, false employment details, false income, or concealed addresses. The use of a false document (such as a payslip, bank statement or driving licence) when applying for an account, policy, service or insurance claim would also fall within this case type.

Asset Conversion Fraud - where a customer sells goods (usually a vehicle) that he/she does not have title to, under a hire-purchase, conditional sale, contract hire, leasing or rental agreement.

Misuse of Facility - Obtaining an account/policy or other facility with the deliberate intent of using that facility for a fraudulent purpose.

Insurance Claims Fraud - where false information and/or false documentation is supplied as part of an insurance claim.

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