The Federal Trade Commission recently released a statistical survey of fraud in the United States that showed 30.2 million adults - 13.5 percent of the adult population - were victims of fraud during 2006.

An estimated 4.8 million U.S. consumers were victims of fraudulent weight-loss products than any of the other frauds covered by the survey.

Fraudulent foreign lottery offers and buyers club memberships tied for second place. Lottery scams occur when consumers are told they have won a foreign lottery that they had not entered. Victims supplied either personal information such as their bank account numbers or paid money to receive their “winnings.” In the case of buyers clubs, victims are billed for a “membership” they had not agreed to buy. An estimated 3.2 million people were victims of these frauds during the period studied.

Fraudulent prize promotion schemes ranked fourth in the fraud survey, with an estimated 2.7 million victims reporting making a purchase, a payment, or attending a sales presentation to receive a prize that either was never delivered or was not what the consumer expected.

Work-at-home programs, in which the purchaser earned less than half of the income the seller had promised, ranked fifth, with an estimated 2.4 million individuals falling victim to these schemes. In fact, many purchased more than one fraudulent work-at-home program. said the FTC.

The survey indicated that 20 percent of African Americans and 18 percent of Hispanics are estimated to have been victims, while the rate for non-Hispanic whites was 12 percent. In addition, the survey found that younger consumers, those who did not complete college, and those with high levels of debt were more likely to be victims of fraud.

Consumers between 65 and 74 years of age were 32 percent less likely to report having experienced fraud than those between 35 and 44.
The top 10 frauds listed in the report include:
* Fraudulent Weight-Loss Products (4.8 million victims)
* Foreign Lottery Scams (3.2 million victims)
* Unauthorized Billing - Buyers Clubs (3.2 million victims)
* Prize Promotions (2.7 million victims)
* Work-at-Home Programs (2.4 million victims)
* Credit Card Insurance (2.1 million victims)
* Unauthorized Billing - Internet Services (1.8 million victims)
* Advance-Fee Loans (1.7 million victims)
* Credit Repair Scams (1.2 million victims)
* Business Opportunities (.8 million victims)
Other scams mentioned in the survey included pyramid schemes and fraudulent offers in print advertising, such as direct mail, including catalogs, newspaper and magazine advertising, and posters and flyers.  The survey also reported fraudulent schemes present on the Internet, in television and radio, and in telemarketing.

The FTC offers the following tips for consumers:
* Know whom you’re dealing with: Do business only with companies that plainly provide their name, street address, and phone number.
* Protect your personal information: Share credit card and other personal information only with companies you know and trust; never share it in email, regardless who is asking for it.
* Take your time: Resist the urge to act now. Most any offer that’s good today will be good tomorrow, too.
* Read the small print: Get all promises in writing and read all paperwork before paying any money or signing any contracts.
* Free means free: Throw out any offer that says you have to pay to get a gift or for something that’s called “free.” If something is free or a gift, you shouldn’t have to pay for it.
* Report fraud: If you think you’ve been a victim of fraud, report it. It’s one way to get even with a scam artist who cheated you. Complain online at ftc.gov or by phone at 1-877-FTC HELP.