; and (B) factors that may contribute to an increased risk of exploitation of senior citizens, including race, social isolation, income, net worth, religion, geographic location, occupation, education, home-ownership, illness, and loss of spouse; and (3) policy responses to, and the reporting of, the financial exploitation of senior citizens, including— (A) the degree to which financial exploitation of senior citizens is not reported to the appropriate authorities; (B) the reasons that financial exploitation of senior citizens may not be reported to the appropriate authorities; (C) to the extent that suspected financial exploitation of senior citizens is reported, information regarding— (i) which entities receive those reports, including— (I) Federal, State, and local agencies, including adult protective services agencies and law enforcement agencies; and (II) private sector entities, professional licensing boards, and other regulators; (ii) the specific types of information the entities described in clause (i) collect; (iii) the actions that the entities described in clause (i) take upon the receipt of such a report; and (iv) any limits on the ability of the entities described in clause (i) to prevent that exploitation, such as jurisdictional limits, a lack of expertise, resource challenges, or limiting criteria with respect to the types of victims the agencies are permitted to serve; (D) an analysis of gaps that may exist in empowering Federal, State, and local agencies to— (i) prevent the financial exploitation of senior citizens; or (ii) respond effectively to the suspected financial exploitation of senior citizens; and (E) an analysis of the legal hurdles that prevent Federal, State, and local agencies from effectively partnering with each other and private professionals to effectively respond to the financial exploitation of senior citizens.