of problem. The FTC found that their complaint database showed Black, and to a lesser extent Latino, communities experience higher rates of problems with credit bureaus and debt collections than White communities. White and Latino communities experience higher rates of impersonator scams than Black communities. Also, according to FTC payment method data, Black and Latino communities use credit cards, with their accompanying legal protections, at a substantially lower rate than in White communities. Additional technological features 3-D Secure EMV Point to Point Encryption Strong authentication True Link See also Carding (fraud) Chargeback fraud Chargeback insurance FBI Financial crimes Identity theft Immigration and Customs Enforcement (ICE) Internet fraud Organized crime Phishing Predictive analytics Reimbursement Social Engineering Traffic analysis United States Postal Inspection Service United States Secret Service White-collar crime References External links Federal Financial Institutions Examination Council (FFIEC) IT Booklets » Information Security » Appendix C: Laws, Regulations, and Guidance Visa's fraud control basics for merchants The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center(NW3C). Internet Fraud, with a section "Avoiding Credit Card Fraud", at the Federal Bureau of Investigation website US Federal Trade Commission Consumer Sentinel Network Report Machine Learning for Credit Card Fraud Detection - Practical Handbook Credit cards Identity theft Organized crime activity Carding (fraud)