{ "report": { "slug": "financial-fraud-by-state-2026", "version": "1.2", "published": "2026-08-27", "updated": "2026-08-27", "data_through": "2025-12-31", "canonical_url": "https://financefirst.co/reports/financial-fraud-by-state-2026" }, "definitions": { "complaint": "A report submitted to IC3, not necessarily a unique victim or verified incident.", "reported_loss": "Adjusted loss reported to IC3. It is not total U.S. fraud loss.", "cryptocurrency": "An IC3 descriptor that can overlap with crime-type categories such as investment fraud." }, "national_2025": { "complaints": 1008597, "reported_loss_usd": 20877000000, "average_reported_loss_usd": 20699 }, "state_rows": [ { "state": "Alaska", "postal_abbreviation": "AK", "fips_code": "02", "jurisdiction_type": "state", "population_2025": 737270, "population_source_year": 2025, "ic3_complaints_2025": 3202, "ic3_reported_loss_2025_usd": 39972438, "complaints_per_100k_2025": 434.30493577658115, "reported_loss_per_100k_2025_usd": 5421682.422992934, "average_reported_loss_per_complaint_2025_usd": 12483.584634603372, "crypto_related_complaints_2025": 482, "crypto_related_reported_loss_2025_usd": 18610389, "crypto_complaints_per_100k_2025": 65.37632075087824, "crypto_reported_loss_per_100k_2025_usd": 2524229.7936983737, "crypto_average_reported_loss_per_complaint_2025_usd": 38610.76556016597, "median_household_income_2024_usd": 95665, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 42, "raw_loss_rank": 47, "complaint_rate_rank": 1, "loss_rate_rank": 18, "loss_severity_rank": 46, "crypto_complaint_rate_rank": 3, "crypto_loss_rate_rank": 21, "raw_to_adjusted_loss_rank_change": 29, "frequency_to_severity_rank_gap": -45, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 4 }, { "state": "Alabama", "postal_abbreviation": "AL", "fips_code": "01", "jurisdiction_type": "state", "population_2025": 5193088, "population_source_year": 2025, "ic3_complaints_2025": 9936, "ic3_reported_loss_2025_usd": 167212658, "complaints_per_100k_2025": 191.33124645682875, "reported_loss_per_100k_2025_usd": 3219908.039301472, "average_reported_loss_per_complaint_2025_usd": 16828.971215781, "crypto_related_complaints_2025": 1687, "crypto_related_reported_loss_2025_usd": 93813940, "crypto_complaints_per_100k_2025": 32.48548840304651, "crypto_reported_loss_per_100k_2025_usd": 1806515.5067659167, "crypto_average_reported_loss_per_complaint_2025_usd": 55609.92294013041, "median_household_income_2024_usd": 66659, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 27, "raw_loss_rank": 28, "complaint_rate_rank": 45, "loss_rate_rank": 45, "loss_severity_rank": 32, "crypto_complaint_rate_rank": 44, "crypto_loss_rate_rank": 36, "raw_to_adjusted_loss_rank_change": -17, "frequency_to_severity_rank_gap": 13, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 1 }, { "state": "Arkansas", "postal_abbreviation": "AR", "fips_code": "05", "jurisdiction_type": "state", "population_2025": 3114791, "population_source_year": 2025, "ic3_complaints_2025": 6161, "ic3_reported_loss_2025_usd": 102541947, "complaints_per_100k_2025": 197.7981829278433, "reported_loss_per_100k_2025_usd": 3292097.190469601, "average_reported_loss_per_complaint_2025_usd": 16643.718065249148, "crypto_related_complaints_2025": 1084, "crypto_related_reported_loss_2025_usd": 44064469, "crypto_complaints_per_100k_2025": 34.80169295467979, "crypto_reported_loss_per_100k_2025_usd": 1414684.6128680864, "crypto_average_reported_loss_per_complaint_2025_usd": 40649.87915129151, "median_household_income_2024_usd": 62106, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 33, "raw_loss_rank": 34, "complaint_rate_rank": 44, "loss_rate_rank": 43, "loss_severity_rank": 34, "crypto_complaint_rate_rank": 42, "crypto_loss_rate_rank": 43, "raw_to_adjusted_loss_rank_change": -9, "frequency_to_severity_rank_gap": 10, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 1 }, { "state": "Arizona", "postal_abbreviation": "AZ", "fips_code": "04", "jurisdiction_type": "state", "population_2025": 7623818, "population_source_year": 2025, "ic3_complaints_2025": 28868, "ic3_reported_loss_2025_usd": 630700609, "complaints_per_100k_2025": 378.6554191089032, "reported_loss_per_100k_2025_usd": 8272765.811041134, "average_reported_loss_per_complaint_2025_usd": 21847.74175557711, "crypto_related_complaints_2025": 4936, "crypto_related_reported_loss_2025_usd": 346269314, "crypto_complaints_per_100k_2025": 64.74446268260863, "crypto_reported_loss_per_100k_2025_usd": 4541940.980228017, "crypto_average_reported_loss_per_complaint_2025_usd": 70151.80591572123, "median_household_income_2024_usd": 81486, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 7, "raw_loss_rank": 6, "complaint_rate_rank": 3, "loss_rate_rank": 3, "loss_severity_rank": 11, "crypto_complaint_rate_rank": 4, "crypto_loss_rate_rank": 5, "raw_to_adjusted_loss_rank_change": 3, "frequency_to_severity_rank_gap": -8, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 4 }, { "state": "California", "postal_abbreviation": "CA", "fips_code": "06", "jurisdiction_type": "state", "population_2025": 39355309, "population_source_year": 2025, "ic3_complaints_2025": 116414, "ic3_reported_loss_2025_usd": 3674716305, "complaints_per_100k_2025": 295.8025307335282, "reported_loss_per_100k_2025_usd": 9337282.309230503, "average_reported_loss_per_complaint_2025_usd": 31565.931116532374, "crypto_related_complaints_2025": 20878, "crypto_related_reported_loss_2025_usd": 2099014715, "crypto_complaints_per_100k_2025": 53.05002178994453, "crypto_reported_loss_per_100k_2025_usd": 5333498.245433671, "crypto_average_reported_loss_per_complaint_2025_usd": 100537.15466040808, "median_household_income_2024_usd": 100149, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 1, "raw_loss_rank": 1, "complaint_rate_rank": 12, "loss_rate_rank": 1, "loss_severity_rank": 3, "crypto_complaint_rate_rank": 10, "crypto_loss_rate_rank": 4, "raw_to_adjusted_loss_rank_change": 0, "frequency_to_severity_rank_gap": 9, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 5 }, { "state": "Colorado", "postal_abbreviation": "CO", "fips_code": "08", "jurisdiction_type": "state", "population_2025": 6012561, "population_source_year": 2025, "ic3_complaints_2025": 18847, "ic3_reported_loss_2025_usd": 355049719, "complaints_per_100k_2025": 313.46043724130203, "reported_loss_per_100k_2025_usd": 5905132.9208967695, "average_reported_loss_per_complaint_2025_usd": 18838.527033480128, "crypto_related_complaints_2025": 4066, "crypto_related_reported_loss_2025_usd": 202127121, "crypto_complaints_per_100k_2025": 67.62509353335459, "crypto_reported_loss_per_100k_2025_usd": 3361747.531542715, "crypto_average_reported_loss_per_complaint_2025_usd": 49711.53984259715, "median_household_income_2024_usd": 97113, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 18, "raw_loss_rank": 17, "complaint_rate_rank": 6, "loss_rate_rank": 11, "loss_severity_rank": 21, "crypto_complaint_rate_rank": 2, "crypto_loss_rate_rank": 9, "raw_to_adjusted_loss_rank_change": 6, "frequency_to_severity_rank_gap": -15, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 5 }, { "state": "Connecticut", "postal_abbreviation": "CT", "fips_code": "09", "jurisdiction_type": "state", "population_2025": 3688496, "population_source_year": 2025, "ic3_complaints_2025": 9714, "ic3_reported_loss_2025_usd": 219500212, "complaints_per_100k_2025": 263.35937466110846, "reported_loss_per_100k_2025_usd": 5950940.762847513, "average_reported_loss_per_complaint_2025_usd": 22596.274655136916, "crypto_related_complaints_2025": 1480, "crypto_related_reported_loss_2025_usd": 91039266, "crypto_complaints_per_100k_2025": 40.12475545588229, "crypto_reported_loss_per_100k_2025_usd": 2468194.78725204, "crypto_average_reported_loss_per_complaint_2025_usd": 61513.01756756757, "median_household_income_2024_usd": 96049, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 29, "raw_loss_rank": 24, "complaint_rate_rank": 24, "loss_rate_rank": 10, "loss_severity_rank": 8, "crypto_complaint_rate_rank": 26, "crypto_loss_rate_rank": 25, "raw_to_adjusted_loss_rank_change": 14, "frequency_to_severity_rank_gap": 16, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 5 }, { "state": "District of Columbia", "postal_abbreviation": "DC", "fips_code": "11", "jurisdiction_type": "federal district", "population_2025": 693645, "population_source_year": 2025, "ic3_complaints_2025": 3113, "ic3_reported_loss_2025_usd": 97368097, "complaints_per_100k_2025": 448.7886454886866, "reported_loss_per_100k_2025_usd": 14037165.552984595, "average_reported_loss_per_complaint_2025_usd": 31277.89816896884, "crypto_related_complaints_2025": 448, "crypto_related_reported_loss_2025_usd": 37013584, "crypto_complaints_per_100k_2025": 64.5863518082016, "crypto_reported_loss_per_100k_2025_usd": 5336099.013183977, "crypto_average_reported_loss_per_complaint_2025_usd": 82619.60714285714, "median_household_income_2024_usd": 109707, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": null, "raw_loss_rank": null, "complaint_rate_rank": null, "loss_rate_rank": null, "loss_severity_rank": null, "crypto_complaint_rate_rank": null, "crypto_loss_rate_rank": null, "raw_to_adjusted_loss_rank_change": null, "frequency_to_severity_rank_gap": null, "frequency_severity_group": "D.C. shown separately", "income_quintile": null }, { "state": "Delaware", "postal_abbreviation": "DE", "fips_code": "10", "jurisdiction_type": "state", "population_2025": 1059952, "population_source_year": 2025, "ic3_complaints_2025": 3089, "ic3_reported_loss_2025_usd": 62012494, "complaints_per_100k_2025": 291.42829109242683, "reported_loss_per_100k_2025_usd": 5850500.211330324, "average_reported_loss_per_complaint_2025_usd": 20075.265134347686, "crypto_related_complaints_2025": 436, "crypto_related_reported_loss_2025_usd": 26893098, "crypto_complaints_per_100k_2025": 41.13393814059505, "crypto_reported_loss_per_100k_2025_usd": 2537199.6090389, "crypto_average_reported_loss_per_complaint_2025_usd": 61681.41743119266, "median_household_income_2024_usd": 87534, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 43, "raw_loss_rank": 42, "complaint_rate_rank": 14, "loss_rate_rank": 12, "loss_severity_rank": 16, "crypto_complaint_rate_rank": 24, "crypto_loss_rate_rank": 19, "raw_to_adjusted_loss_rank_change": 30, "frequency_to_severity_rank_gap": -2, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 4 }, { "state": "Florida", "postal_abbreviation": "FL", "fips_code": "12", "jurisdiction_type": "state", "population_2025": 23462518, "population_source_year": 2025, "ic3_complaints_2025": 71843, "ic3_reported_loss_2025_usd": 1596138595, "complaints_per_100k_2025": 306.2032813357884, "reported_loss_per_100k_2025_usd": 6802929.65571726, "average_reported_loss_per_complaint_2025_usd": 22217.03708085687, "crypto_related_complaints_2025": 13381, "crypto_related_reported_loss_2025_usd": 914525497, "crypto_complaints_per_100k_2025": 57.03138938454943, "crypto_reported_loss_per_100k_2025_usd": 3897814.791234257, "crypto_average_reported_loss_per_complaint_2025_usd": 68345.0786189373, "median_household_income_2024_usd": 77735, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 3, "raw_loss_rank": 3, "complaint_rate_rank": 10, "loss_rate_rank": 6, "loss_severity_rank": 9, "crypto_complaint_rate_rank": 8, "crypto_loss_rate_rank": 8, "raw_to_adjusted_loss_rank_change": -3, "frequency_to_severity_rank_gap": 1, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 3 }, { "state": "Georgia", "postal_abbreviation": "GA", "fips_code": "13", "jurisdiction_type": "state", "population_2025": 11302748, "population_source_year": 2025, "ic3_complaints_2025": 25936, "ic3_reported_loss_2025_usd": 534581965, "complaints_per_100k_2025": 229.46632093363493, "reported_loss_per_100k_2025_usd": 4729663.6623235345, "average_reported_loss_per_complaint_2025_usd": 20611.581007094384, "crypto_related_complaints_2025": 4492, "crypto_related_reported_loss_2025_usd": 264502467, "crypto_complaints_per_100k_2025": 39.74254756453917, "crypto_reported_loss_per_100k_2025_usd": 2340160.702512345, "crypto_average_reported_loss_per_complaint_2025_usd": 58883.00690115761, "median_household_income_2024_usd": 79991, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 10, "raw_loss_rank": 9, "complaint_rate_rank": 34, "loss_rate_rank": 24, "loss_severity_rank": 12, "crypto_complaint_rate_rank": 28, "crypto_loss_rate_rank": 27, "raw_to_adjusted_loss_rank_change": -15, "frequency_to_severity_rank_gap": 22, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 3 }, { "state": "Hawaii", "postal_abbreviation": "HI", "fips_code": "15", "jurisdiction_type": "state", "population_2025": 1432820, "population_source_year": 2025, "ic3_complaints_2025": 3328, "ic3_reported_loss_2025_usd": 106447375, "complaints_per_100k_2025": 232.2692313060957, "reported_loss_per_100k_2025_usd": 7429221.744531762, "average_reported_loss_per_complaint_2025_usd": 31985.389122596152, "crypto_related_complaints_2025": 826, "crypto_related_reported_loss_2025_usd": 79759336, "crypto_complaints_per_100k_2025": 57.64855320277495, "crypto_reported_loss_per_100k_2025_usd": 5566598.456191287, "crypto_average_reported_loss_per_complaint_2025_usd": 96560.93946731235, "median_household_income_2024_usd": 100745, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 41, "raw_loss_rank": 32, "complaint_rate_rank": 31, "loss_rate_rank": 4, "loss_severity_rank": 1, "crypto_complaint_rate_rank": 6, "crypto_loss_rate_rank": 3, "raw_to_adjusted_loss_rank_change": 28, "frequency_to_severity_rank_gap": 30, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 5 }, { "state": "Iowa", "postal_abbreviation": "IA", "fips_code": "19", "jurisdiction_type": "state", "population_2025": 3238387, "population_source_year": 2025, "ic3_complaints_2025": 5436, "ic3_reported_loss_2025_usd": 95520131, "complaints_per_100k_2025": 167.86134578727004, "reported_loss_per_100k_2025_usd": 2949620.6290353807, "average_reported_loss_per_complaint_2025_usd": 17571.768027961738, "crypto_related_complaints_2025": 887, "crypto_related_reported_loss_2025_usd": 43685423, "crypto_complaints_per_100k_2025": 27.390179123125186, "crypto_reported_loss_per_100k_2025_usd": 1348987.10376493, "crypto_average_reported_loss_per_complaint_2025_usd": 49250.7587373168, "median_household_income_2024_usd": 75501, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 35, "raw_loss_rank": 35, "complaint_rate_rank": 50, "loss_rate_rank": 47, "loss_severity_rank": 29, "crypto_complaint_rate_rank": 50, "crypto_loss_rate_rank": 44, "raw_to_adjusted_loss_rank_change": -12, "frequency_to_severity_rank_gap": 21, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 2 }, { "state": "Idaho", "postal_abbreviation": "ID", "fips_code": "16", "jurisdiction_type": "state", "population_2025": 2029733, "population_source_year": 2025, "ic3_complaints_2025": 4479, "ic3_reported_loss_2025_usd": 88725284, "complaints_per_100k_2025": 220.66941809587766, "reported_loss_per_100k_2025_usd": 4371278.586888029, "average_reported_loss_per_complaint_2025_usd": 19809.172583165884, "crypto_related_complaints_2025": 1023, "crypto_related_reported_loss_2025_usd": 48296733, "crypto_complaints_per_100k_2025": 50.40071772986891, "crypto_reported_loss_per_100k_2025_usd": 2379462.372637189, "crypto_average_reported_loss_per_complaint_2025_usd": 47210.882697947214, "median_household_income_2024_usd": 81166, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 37, "raw_loss_rank": 37, "complaint_rate_rank": 39, "loss_rate_rank": 28, "loss_severity_rank": 17, "crypto_complaint_rate_rank": 16, "crypto_loss_rate_rank": 26, "raw_to_adjusted_loss_rank_change": 9, "frequency_to_severity_rank_gap": 22, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 3 }, { "state": "Illinois", "postal_abbreviation": "IL", "fips_code": "17", "jurisdiction_type": "state", "population_2025": 12719141, "population_source_year": 2025, "ic3_complaints_2025": 32977, "ic3_reported_loss_2025_usd": 535255201, "complaints_per_100k_2025": 259.2706535763697, "reported_loss_per_100k_2025_usd": 4208265.330182281, "average_reported_loss_per_complaint_2025_usd": 16231.167207447616, "crypto_related_complaints_2025": 4910, "crypto_related_reported_loss_2025_usd": 257919562, "crypto_complaints_per_100k_2025": 38.60323586317661, "crypto_reported_loss_per_100k_2025_usd": 2027806.4532817116, "crypto_average_reported_loss_per_complaint_2025_usd": 52529.44236252546, "median_household_income_2024_usd": 83211, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 5, "raw_loss_rank": 8, "complaint_rate_rank": 25, "loss_rate_rank": 30, "loss_severity_rank": 39, "crypto_complaint_rate_rank": 34, "crypto_loss_rate_rank": 34, "raw_to_adjusted_loss_rank_change": -22, "frequency_to_severity_rank_gap": -14, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 4 }, { "state": "Indiana", "postal_abbreviation": "IN", "fips_code": "18", "jurisdiction_type": "state", "population_2025": 6973333, "population_source_year": 2025, "ic3_complaints_2025": 20777, "ic3_reported_loss_2025_usd": 233016771, "complaints_per_100k_2025": 297.9493450262593, "reported_loss_per_100k_2025_usd": 3341540.8528461214, "average_reported_loss_per_complaint_2025_usd": 11215.130721470858, "crypto_related_complaints_2025": 2211, "crypto_related_reported_loss_2025_usd": 99629036, "crypto_complaints_per_100k_2025": 31.706502471630138, "crypto_reported_loss_per_100k_2025_usd": 1428714.7336861726, "crypto_average_reported_loss_per_complaint_2025_usd": 45060.622342831295, "median_household_income_2024_usd": 71959, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 15, "raw_loss_rank": 23, "complaint_rate_rank": 11, "loss_rate_rank": 42, "loss_severity_rank": 49, "crypto_complaint_rate_rank": 45, "crypto_loss_rate_rank": 42, "raw_to_adjusted_loss_rank_change": -19, "frequency_to_severity_rank_gap": -38, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 1 }, { "state": "Kansas", "postal_abbreviation": "KS", "fips_code": "20", "jurisdiction_type": "state", "population_2025": 2977220, "population_source_year": 2025, "ic3_complaints_2025": 7927, "ic3_reported_loss_2025_usd": 147337101, "complaints_per_100k_2025": 266.255097036833, "reported_loss_per_100k_2025_usd": 4948814.699619108, "average_reported_loss_per_complaint_2025_usd": 18586.7416424877, "crypto_related_complaints_2025": 1057, "crypto_related_reported_loss_2025_usd": 78062429, "crypto_complaints_per_100k_2025": 35.502918830318215, "crypto_reported_loss_per_100k_2025_usd": 2621990.6154063186, "crypto_average_reported_loss_per_complaint_2025_usd": 73852.8183538316, "median_household_income_2024_usd": 75514, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 32, "raw_loss_rank": 29, "complaint_rate_rank": 21, "loss_rate_rank": 21, "loss_severity_rank": 24, "crypto_complaint_rate_rank": 41, "crypto_loss_rate_rank": 16, "raw_to_adjusted_loss_rank_change": 8, "frequency_to_severity_rank_gap": -3, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 2 }, { "state": "Kentucky", "postal_abbreviation": "KY", "fips_code": "21", "jurisdiction_type": "state", "population_2025": 4606864, "population_source_year": 2025, "ic3_complaints_2025": 9414, "ic3_reported_loss_2025_usd": 119685861, "complaints_per_100k_2025": 204.34725227399812, "reported_loss_per_100k_2025_usd": 2597989.8907369524, "average_reported_loss_per_complaint_2025_usd": 12713.603250478012, "crypto_related_complaints_2025": 1453, "crypto_related_reported_loss_2025_usd": 60156299, "crypto_complaints_per_100k_2025": 31.539893515415258, "crypto_reported_loss_per_100k_2025_usd": 1305797.1539858785, "crypto_average_reported_loss_per_complaint_2025_usd": 41401.44459738472, "median_household_income_2024_usd": 64526, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 30, "raw_loss_rank": 31, "complaint_rate_rank": 42, "loss_rate_rank": 49, "loss_severity_rank": 45, "crypto_complaint_rate_rank": 46, "crypto_loss_rate_rank": 46, "raw_to_adjusted_loss_rank_change": -18, "frequency_to_severity_rank_gap": -3, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 1 }, { "state": "Louisiana", "postal_abbreviation": "LA", "fips_code": "22", "jurisdiction_type": "state", "population_2025": 4618189, "population_source_year": 2025, "ic3_complaints_2025": 8623, "ic3_reported_loss_2025_usd": 105440238, "complaints_per_100k_2025": 186.71821356813246, "reported_loss_per_100k_2025_usd": 2283151.209272726, "average_reported_loss_per_complaint_2025_usd": 12227.790560129884, "crypto_related_complaints_2025": 1366, "crypto_related_reported_loss_2025_usd": 53679269, "crypto_complaints_per_100k_2025": 29.57869415911735, "crypto_reported_loss_per_100k_2025_usd": 1162344.5684011634, "crypto_average_reported_loss_per_complaint_2025_usd": 39296.68301610542, "median_household_income_2024_usd": 60986, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 31, "raw_loss_rank": 33, "complaint_rate_rank": 46, "loss_rate_rank": 50, "loss_severity_rank": 47, "crypto_complaint_rate_rank": 48, "crypto_loss_rate_rank": 50, "raw_to_adjusted_loss_rank_change": -17, "frequency_to_severity_rank_gap": -1, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 1 }, { "state": "Massachusetts", "postal_abbreviation": "MA", "fips_code": "25", "jurisdiction_type": "state", "population_2025": 7154084, "population_source_year": 2025, "ic3_complaints_2025": 22936, "ic3_reported_loss_2025_usd": 410924066, "complaints_per_100k_2025": 320.60009359688814, "reported_loss_per_100k_2025_usd": 5743908.877782257, "average_reported_loss_per_complaint_2025_usd": 17916.117282874086, "crypto_related_complaints_2025": 2983, "crypto_related_reported_loss_2025_usd": 180158815, "crypto_complaints_per_100k_2025": 41.696463167052556, "crypto_reported_loss_per_100k_2025_usd": 2518265.3013299815, "crypto_average_reported_loss_per_complaint_2025_usd": 60395.17767348307, "median_household_income_2024_usd": 104828, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 13, "raw_loss_rank": 14, "complaint_rate_rank": 4, "loss_rate_rank": 14, "loss_severity_rank": 27, "crypto_complaint_rate_rank": 22, "crypto_loss_rate_rank": 22, "raw_to_adjusted_loss_rank_change": 0, "frequency_to_severity_rank_gap": -23, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 5 }, { "state": "Maryland", "postal_abbreviation": "MD", "fips_code": "24", "jurisdiction_type": "state", "population_2025": 6265347, "population_source_year": 2025, "ic3_complaints_2025": 19430, "ic3_reported_loss_2025_usd": 390242821, "complaints_per_100k_2025": 310.1184978262178, "reported_loss_per_100k_2025_usd": 6228590.706947277, "average_reported_loss_per_complaint_2025_usd": 20084.55074626866, "crypto_related_complaints_2025": 3226, "crypto_related_reported_loss_2025_usd": 246476431, "crypto_complaints_per_100k_2025": 51.48956634006065, "crypto_reported_loss_per_100k_2025_usd": 3933962.9712448493, "crypto_average_reported_loss_per_complaint_2025_usd": 76403.1094234346, "median_household_income_2024_usd": 102905, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 17, "raw_loss_rank": 15, "complaint_rate_rank": 7, "loss_rate_rank": 8, "loss_severity_rank": 15, "crypto_complaint_rate_rank": 14, "crypto_loss_rate_rank": 7, "raw_to_adjusted_loss_rank_change": 7, "frequency_to_severity_rank_gap": -8, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 5 }, { "state": "Maine", "postal_abbreviation": "ME", "fips_code": "23", "jurisdiction_type": "state", "population_2025": 1414874, "population_source_year": 2025, "ic3_complaints_2025": 2888, "ic3_reported_loss_2025_usd": 56536020, "complaints_per_100k_2025": 204.1171157290331, "reported_loss_per_100k_2025_usd": 3995834.2580328705, "average_reported_loss_per_complaint_2025_usd": 19576.184210526317, "crypto_related_complaints_2025": 524, "crypto_related_reported_loss_2025_usd": 35795026, "crypto_complaints_per_100k_2025": 37.035099945295485, "crypto_reported_loss_per_100k_2025_usd": 2529909.094378722, "crypto_average_reported_loss_per_complaint_2025_usd": 68311.11832061068, "median_household_income_2024_usd": 76442, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 44, "raw_loss_rank": 44, "complaint_rate_rank": 43, "loss_rate_rank": 35, "loss_severity_rank": 19, "crypto_complaint_rate_rank": 38, "crypto_loss_rate_rank": 20, "raw_to_adjusted_loss_rank_change": 9, "frequency_to_severity_rank_gap": 24, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 3 }, { "state": "Michigan", "postal_abbreviation": "MI", "fips_code": "26", "jurisdiction_type": "state", "population_2025": 10127884, "population_source_year": 2025, "ic3_complaints_2025": 22191, "ic3_reported_loss_2025_usd": 381068131, "complaints_per_100k_2025": 219.1079597673117, "reported_loss_per_100k_2025_usd": 3762564.1348182894, "average_reported_loss_per_complaint_2025_usd": 17172.192825920418, "crypto_related_complaints_2025": 3648, "crypto_related_reported_loss_2025_usd": 210230468, "crypto_complaints_per_100k_2025": 36.01936989009748, "crypto_reported_loss_per_100k_2025_usd": 2075759.0430538105, "crypto_average_reported_loss_per_complaint_2025_usd": 57628.96600877193, "median_household_income_2024_usd": 72389, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 14, "raw_loss_rank": 16, "complaint_rate_rank": 40, "loss_rate_rank": 37, "loss_severity_rank": 31, "crypto_complaint_rate_rank": 40, "crypto_loss_rate_rank": 32, "raw_to_adjusted_loss_rank_change": -21, "frequency_to_severity_rank_gap": 9, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 2 }, { "state": "Minnesota", "postal_abbreviation": "MN", "fips_code": "27", "jurisdiction_type": "state", "population_2025": 5830405, "population_source_year": 2025, "ic3_complaints_2025": 13595, "ic3_reported_loss_2025_usd": 248892986, "complaints_per_100k_2025": 233.1741963036873, "reported_loss_per_100k_2025_usd": 4268879.880557183, "average_reported_loss_per_complaint_2025_usd": 18307.68561971313, "crypto_related_complaints_2025": 2253, "crypto_related_reported_loss_2025_usd": 151658166, "crypto_complaints_per_100k_2025": 38.64225555514583, "crypto_reported_loss_per_100k_2025_usd": 2601160.0566341444, "crypto_average_reported_loss_per_complaint_2025_usd": 67313.8774966711, "median_household_income_2024_usd": 87117, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 23, "raw_loss_rank": 21, "complaint_rate_rank": 30, "loss_rate_rank": 29, "loss_severity_rank": 25, "crypto_complaint_rate_rank": 33, "crypto_loss_rate_rank": 17, "raw_to_adjusted_loss_rank_change": -8, "frequency_to_severity_rank_gap": 5, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 4 }, { "state": "Missouri", "postal_abbreviation": "MO", "fips_code": "29", "jurisdiction_type": "state", "population_2025": 6270541, "population_source_year": 2025, "ic3_complaints_2025": 14087, "ic3_reported_loss_2025_usd": 233933401, "complaints_per_100k_2025": 224.65366225976356, "reported_loss_per_100k_2025_usd": 3730673.334246598, "average_reported_loss_per_complaint_2025_usd": 16606.33215020941, "crypto_related_complaints_2025": 2500, "crypto_related_reported_loss_2025_usd": 108769750, "crypto_complaints_per_100k_2025": 39.86896824372889, "crypto_reported_loss_per_100k_2025_usd": 1734615.083451332, "crypto_average_reported_loss_per_complaint_2025_usd": 43507.9, "median_household_income_2024_usd": 71589, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 22, "raw_loss_rank": 22, "complaint_rate_rank": 37, "loss_rate_rank": 38, "loss_severity_rank": 37, "crypto_complaint_rate_rank": 27, "crypto_loss_rate_rank": 38, "raw_to_adjusted_loss_rank_change": -16, "frequency_to_severity_rank_gap": 0, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 1 }, { "state": "Mississippi", "postal_abbreviation": "MS", "fips_code": "28", "jurisdiction_type": "state", "population_2025": 2954160, "population_source_year": 2025, "ic3_complaints_2025": 5084, "ic3_reported_loss_2025_usd": 77360761, "complaints_per_100k_2025": 172.09629810166004, "reported_loss_per_100k_2025_usd": 2618705.858856663, "average_reported_loss_per_complaint_2025_usd": 15216.51475216365, "crypto_related_complaints_2025": 815, "crypto_related_reported_loss_2025_usd": 38286775, "crypto_complaints_per_100k_2025": 27.58821458553362, "crypto_reported_loss_per_100k_2025_usd": 1296029.1588810354, "crypto_average_reported_loss_per_complaint_2025_usd": 46977.63803680982, "median_household_income_2024_usd": 59127, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 36, "raw_loss_rank": 39, "complaint_rate_rank": 49, "loss_rate_rank": 48, "loss_severity_rank": 42, "crypto_complaint_rate_rank": 49, "crypto_loss_rate_rank": 47, "raw_to_adjusted_loss_rank_change": -9, "frequency_to_severity_rank_gap": 7, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 1 }, { "state": "Montana", "postal_abbreviation": "MT", "fips_code": "30", "jurisdiction_type": "state", "population_2025": 1144694, "population_source_year": 2025, "ic3_complaints_2025": 2618, "ic3_reported_loss_2025_usd": 53192859, "complaints_per_100k_2025": 228.707410015253, "reported_loss_per_100k_2025_usd": 4646906.422152995, "average_reported_loss_per_complaint_2025_usd": 20318.12796027502, "crypto_related_complaints_2025": 590, "crypto_related_reported_loss_2025_usd": 35136688, "crypto_complaints_per_100k_2025": 51.54215886516396, "crypto_reported_loss_per_100k_2025_usd": 3069526.703206272, "crypto_average_reported_loss_per_complaint_2025_usd": 59553.70847457627, "median_household_income_2024_usd": 75340, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 46, "raw_loss_rank": 45, "complaint_rate_rank": 35, "loss_rate_rank": 25, "loss_severity_rank": 14, "crypto_complaint_rate_rank": 13, "crypto_loss_rate_rank": 12, "raw_to_adjusted_loss_rank_change": 20, "frequency_to_severity_rank_gap": 21, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 2 }, { "state": "North Carolina", "postal_abbreviation": "NC", "fips_code": "37", "jurisdiction_type": "state", "population_2025": 11197968, "population_source_year": 2025, "ic3_complaints_2025": 25940, "ic3_reported_loss_2025_usd": 431561716, "complaints_per_100k_2025": 231.64917063524382, "reported_loss_per_100k_2025_usd": 3853928.8199430467, "average_reported_loss_per_complaint_2025_usd": 16636.92043176561, "crypto_related_complaints_2025": 4340, "crypto_related_reported_loss_2025_usd": 229649863, "crypto_complaints_per_100k_2025": 38.75703163288196, "crypto_reported_loss_per_100k_2025_usd": 2050817.2822069146, "crypto_average_reported_loss_per_complaint_2025_usd": 52914.71497695852, "median_household_income_2024_usd": 73958, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 9, "raw_loss_rank": 12, "complaint_rate_rank": 33, "loss_rate_rank": 36, "loss_severity_rank": 36, "crypto_complaint_rate_rank": 32, "crypto_loss_rate_rank": 33, "raw_to_adjusted_loss_rank_change": -24, "frequency_to_severity_rank_gap": -3, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 2 }, { "state": "North Dakota", "postal_abbreviation": "ND", "fips_code": "38", "jurisdiction_type": "state", "population_2025": 799358, "population_source_year": 2025, "ic3_complaints_2025": 1418, "ic3_reported_loss_2025_usd": 37865442, "complaints_per_100k_2025": 177.39235736678683, "reported_loss_per_100k_2025_usd": 4736981.677796432, "average_reported_loss_per_complaint_2025_usd": 26703.414668547248, "crypto_related_complaints_2025": 300, "crypto_related_reported_loss_2025_usd": 20083064, "crypto_complaints_per_100k_2025": 37.5301179196305, "crypto_reported_loss_per_100k_2025_usd": 2512399.2003582874, "crypto_average_reported_loss_per_complaint_2025_usd": 66943.54666666666, "median_household_income_2024_usd": 77871, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 50, "raw_loss_rank": 48, "complaint_rate_rank": 48, "loss_rate_rank": 23, "loss_severity_rank": 5, "crypto_complaint_rate_rank": 36, "crypto_loss_rate_rank": 23, "raw_to_adjusted_loss_rank_change": 25, "frequency_to_severity_rank_gap": 43, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 3 }, { "state": "Nebraska", "postal_abbreviation": "NE", "fips_code": "31", "jurisdiction_type": "state", "population_2025": 2018006, "population_source_year": 2025, "ic3_complaints_2025": 3724, "ic3_reported_loss_2025_usd": 71844724, "complaints_per_100k_2025": 184.53859899326363, "reported_loss_per_100k_2025_usd": 3560183.8646664084, "average_reported_loss_per_complaint_2025_usd": 19292.353383458645, "crypto_related_complaints_2025": 730, "crypto_related_reported_loss_2025_usd": 34861429, "crypto_complaints_per_100k_2025": 36.17432257386747, "crypto_reported_loss_per_100k_2025_usd": 1727518.6000438055, "crypto_average_reported_loss_per_complaint_2025_usd": 47755.38219178082, "median_household_income_2024_usd": 76376, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 40, "raw_loss_rank": 41, "complaint_rate_rank": 47, "loss_rate_rank": 40, "loss_severity_rank": 20, "crypto_complaint_rate_rank": 39, "crypto_loss_rate_rank": 39, "raw_to_adjusted_loss_rank_change": 1, "frequency_to_severity_rank_gap": 27, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 2 }, { "state": "New Hampshire", "postal_abbreviation": "NH", "fips_code": "33", "jurisdiction_type": "state", "population_2025": 1415342, "population_source_year": 2025, "ic3_complaints_2025": 4374, "ic3_reported_loss_2025_usd": 59283023, "complaints_per_100k_2025": 309.04191354457083, "reported_loss_per_100k_2025_usd": 4188600.5643865583, "average_reported_loss_per_complaint_2025_usd": 13553.503200731595, "crypto_related_complaints_2025": 767, "crypto_related_reported_loss_2025_usd": 36481772, "crypto_complaints_per_100k_2025": 54.19184903719383, "crypto_reported_loss_per_100k_2025_usd": 2577594.1079965127, "crypto_average_reported_loss_per_complaint_2025_usd": 47564.23989569752, "median_household_income_2024_usd": 99782, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 38, "raw_loss_rank": 43, "complaint_rate_rank": 8, "loss_rate_rank": 31, "loss_severity_rank": 44, "crypto_complaint_rate_rank": 9, "crypto_loss_rate_rank": 18, "raw_to_adjusted_loss_rank_change": 12, "frequency_to_severity_rank_gap": -36, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 5 }, { "state": "New Jersey", "postal_abbreviation": "NJ", "fips_code": "34", "jurisdiction_type": "state", "population_2025": 9548215, "population_source_year": 2025, "ic3_complaints_2025": 20648, "ic3_reported_loss_2025_usd": 660411901, "complaints_per_100k_2025": 216.24984355714653, "reported_loss_per_100k_2025_usd": 6916600.652582707, "average_reported_loss_per_complaint_2025_usd": 31984.30361294072, "crypto_related_complaints_2025": 4459, "crypto_related_reported_loss_2025_usd": 383662185, "crypto_complaints_per_100k_2025": 46.6998281877817, "crypto_reported_loss_per_100k_2025_usd": 4018156.116090809, "crypto_average_reported_loss_per_complaint_2025_usd": 86042.20340883607, "median_household_income_2024_usd": 104294, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 16, "raw_loss_rank": 5, "complaint_rate_rank": 41, "loss_rate_rank": 5, "loss_severity_rank": 2, "crypto_complaint_rate_rank": 18, "crypto_loss_rate_rank": 6, "raw_to_adjusted_loss_rank_change": 0, "frequency_to_severity_rank_gap": 39, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 5 }, { "state": "New Mexico", "postal_abbreviation": "NM", "fips_code": "35", "jurisdiction_type": "state", "population_2025": 2125498, "population_source_year": 2025, "ic3_complaints_2025": 5688, "ic3_reported_loss_2025_usd": 85571285, "complaints_per_100k_2025": 267.60787354304733, "reported_loss_per_100k_2025_usd": 4025940.5090007144, "average_reported_loss_per_complaint_2025_usd": 15044.178094233474, "crypto_related_complaints_2025": 914, "crypto_related_reported_loss_2025_usd": 45229204, "crypto_complaints_per_100k_2025": 43.001687134026945, "crypto_reported_loss_per_100k_2025_usd": 2127934.4417167176, "crypto_average_reported_loss_per_complaint_2025_usd": 49484.90590809628, "median_household_income_2024_usd": 67816, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 34, "raw_loss_rank": 38, "complaint_rate_rank": 20, "loss_rate_rank": 34, "loss_severity_rank": 43, "crypto_complaint_rate_rank": 21, "crypto_loss_rate_rank": 30, "raw_to_adjusted_loss_rank_change": 4, "frequency_to_severity_rank_gap": -23, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 1 }, { "state": "Nevada", "postal_abbreviation": "NV", "fips_code": "32", "jurisdiction_type": "state", "population_2025": 3282188, "population_source_year": 2025, "ic3_complaints_2025": 13366, "ic3_reported_loss_2025_usd": 302235247, "complaints_per_100k_2025": 407.2283488940914, "reported_loss_per_100k_2025_usd": 9208346.596843326, "average_reported_loss_per_complaint_2025_usd": 22612.243528355528, "crypto_related_complaints_2025": 2518, "crypto_related_reported_loss_2025_usd": 205388286, "crypto_complaints_per_100k_2025": 76.71711675260528, "crypto_reported_loss_per_100k_2025_usd": 6257663.668260319, "crypto_average_reported_loss_per_complaint_2025_usd": 81568.02462271645, "median_household_income_2024_usd": 81134, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 24, "raw_loss_rank": 18, "complaint_rate_rank": 2, "loss_rate_rank": 2, "loss_severity_rank": 7, "crypto_complaint_rate_rank": 1, "crypto_loss_rate_rank": 2, "raw_to_adjusted_loss_rank_change": 16, "frequency_to_severity_rank_gap": -5, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 3 }, { "state": "New York", "postal_abbreviation": "NY", "fips_code": "36", "jurisdiction_type": "state", "population_2025": 20002427, "population_source_year": 2025, "ic3_complaints_2025": 45255, "ic3_reported_loss_2025_usd": 1226307877, "complaints_per_100k_2025": 226.2475448604312, "reported_loss_per_100k_2025_usd": 6130795.412976635, "average_reported_loss_per_complaint_2025_usd": 27097.73233896807, "crypto_related_complaints_2025": 8088, "crypto_related_reported_loss_2025_usd": 593370013, "crypto_complaints_per_100k_2025": 40.435093201440004, "crypto_reported_loss_per_100k_2025_usd": 2966490.0814286186, "crypto_average_reported_loss_per_complaint_2025_usd": 73364.24493076162, "median_household_income_2024_usd": 85820, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 4, "raw_loss_rank": 4, "complaint_rate_rank": 36, "loss_rate_rank": 9, "loss_severity_rank": 4, "crypto_complaint_rate_rank": 25, "crypto_loss_rate_rank": 14, "raw_to_adjusted_loss_rank_change": -5, "frequency_to_severity_rank_gap": 32, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 4 }, { "state": "Ohio", "postal_abbreviation": "OH", "fips_code": "39", "jurisdiction_type": "state", "population_2025": 11900510, "population_source_year": 2025, "ic3_complaints_2025": 27626, "ic3_reported_loss_2025_usd": 421289526, "complaints_per_100k_2025": 232.14131159084778, "reported_loss_per_100k_2025_usd": 3540096.399229949, "average_reported_loss_per_complaint_2025_usd": 15249.747556649532, "crypto_related_complaints_2025": 4925, "crypto_related_reported_loss_2025_usd": 208874675, "crypto_complaints_per_100k_2025": 41.38478098837781, "crypto_reported_loss_per_100k_2025_usd": 1755174.147998699, "crypto_average_reported_loss_per_complaint_2025_usd": 42411.10152284264, "median_household_income_2024_usd": 72212, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 8, "raw_loss_rank": 13, "complaint_rate_rank": 32, "loss_rate_rank": 41, "loss_severity_rank": 41, "crypto_complaint_rate_rank": 23, "crypto_loss_rate_rank": 37, "raw_to_adjusted_loss_rank_change": -28, "frequency_to_severity_rank_gap": -9, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 2 }, { "state": "Oklahoma", "postal_abbreviation": "OK", "fips_code": "40", "jurisdiction_type": "state", "population_2025": 4123288, "population_source_year": 2025, "ic3_complaints_2025": 11964, "ic3_reported_loss_2025_usd": 131921776, "complaints_per_100k_2025": 290.15678749580434, "reported_loss_per_100k_2025_usd": 3199431.5216400116, "average_reported_loss_per_complaint_2025_usd": 11026.56101638248, "crypto_related_complaints_2025": 1581, "crypto_related_reported_loss_2025_usd": 62394493, "crypto_complaints_per_100k_2025": 38.343186311506734, "crypto_reported_loss_per_100k_2025_usd": 1513221.802600255, "crypto_average_reported_loss_per_complaint_2025_usd": 39465.20746363061, "median_household_income_2024_usd": 66148, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 26, "raw_loss_rank": 30, "complaint_rate_rank": 15, "loss_rate_rank": 46, "loss_severity_rank": 50, "crypto_complaint_rate_rank": 35, "crypto_loss_rate_rank": 40, "raw_to_adjusted_loss_rank_change": -16, "frequency_to_severity_rank_gap": -35, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 1 }, { "state": "Oregon", "postal_abbreviation": "OR", "fips_code": "41", "jurisdiction_type": "state", "population_2025": 4273586, "population_source_year": 2025, "ic3_complaints_2025": 12477, "ic3_reported_loss_2025_usd": 193196479, "complaints_per_100k_2025": 291.9562166293132, "reported_loss_per_100k_2025_usd": 4520711.15451988, "average_reported_loss_per_complaint_2025_usd": 15484.209265047688, "crypto_related_complaints_2025": 2175, "crypto_related_reported_loss_2025_usd": 545938510, "crypto_complaints_per_100k_2025": 50.89402670263334, "crypto_reported_loss_per_100k_2025_usd": 12774716.830315337, "crypto_average_reported_loss_per_complaint_2025_usd": 251006.21149425287, "median_household_income_2024_usd": 85220, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 25, "raw_loss_rank": 27, "complaint_rate_rank": 13, "loss_rate_rank": 26, "loss_severity_rank": 40, "crypto_complaint_rate_rank": 15, "crypto_loss_rate_rank": 1, "raw_to_adjusted_loss_rank_change": 1, "frequency_to_severity_rank_gap": -27, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 4 }, { "state": "Pennsylvania", "postal_abbreviation": "PA", "fips_code": "42", "jurisdiction_type": "state", "population_2025": 13059432, "population_source_year": 2025, "ic3_complaints_2025": 31154, "ic3_reported_loss_2025_usd": 537787231, "complaints_per_100k_2025": 238.55555126746705, "reported_loss_per_100k_2025_usd": 4117998.631180897, "average_reported_loss_per_complaint_2025_usd": 17262.220934711433, "crypto_related_complaints_2025": 5118, "crypto_related_reported_loss_2025_usd": 292893338, "crypto_complaints_per_100k_2025": 39.19006584666163, "crypto_reported_loss_per_100k_2025_usd": 2242772.4115413288, "crypto_average_reported_loss_per_complaint_2025_usd": 57228.084798749514, "median_household_income_2024_usd": 77545, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 6, "raw_loss_rank": 7, "complaint_rate_rank": 28, "loss_rate_rank": 33, "loss_severity_rank": 30, "crypto_complaint_rate_rank": 29, "crypto_loss_rate_rank": 29, "raw_to_adjusted_loss_rank_change": -26, "frequency_to_severity_rank_gap": -2, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 3 }, { "state": "Rhode Island", "postal_abbreviation": "RI", "fips_code": "44", "jurisdiction_type": "state", "population_2025": 1114521, "population_source_year": 2025, "ic3_complaints_2025": 2700, "ic3_reported_loss_2025_usd": 71960439, "complaints_per_100k_2025": 242.256538907746, "reported_loss_per_100k_2025_usd": 6456624.774230365, "average_reported_loss_per_complaint_2025_usd": 26652.014444444445, "crypto_related_complaints_2025": 414, "crypto_related_reported_loss_2025_usd": 14125096, "crypto_complaints_per_100k_2025": 37.14600263252105, "crypto_reported_loss_per_100k_2025_usd": 1267369.210629499, "crypto_average_reported_loss_per_complaint_2025_usd": 34118.58937198068, "median_household_income_2024_usd": 83504, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 45, "raw_loss_rank": 40, "complaint_rate_rank": 27, "loss_rate_rank": 7, "loss_severity_rank": 6, "crypto_complaint_rate_rank": 37, "crypto_loss_rate_rank": 48, "raw_to_adjusted_loss_rank_change": 33, "frequency_to_severity_rank_gap": 21, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 4 }, { "state": "South Carolina", "postal_abbreviation": "SC", "fips_code": "45", "jurisdiction_type": "state", "population_2025": 5570274, "population_source_year": 2025, "ic3_complaints_2025": 14699, "ic3_reported_loss_2025_usd": 264083026, "complaints_per_100k_2025": 263.88288978244157, "reported_loss_per_100k_2025_usd": 4740934.216162437, "average_reported_loss_per_complaint_2025_usd": 17966.05388121641, "crypto_related_complaints_2025": 2176, "crypto_related_reported_loss_2025_usd": 118509954, "crypto_complaints_per_100k_2025": 39.06450562396033, "crypto_reported_loss_per_100k_2025_usd": 2127542.6307574813, "crypto_average_reported_loss_per_complaint_2025_usd": 54462.295036764706, "median_household_income_2024_usd": 72350, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 21, "raw_loss_rank": 20, "complaint_rate_rank": 22, "loss_rate_rank": 22, "loss_severity_rank": 26, "crypto_complaint_rate_rank": 30, "crypto_loss_rate_rank": 31, "raw_to_adjusted_loss_rank_change": -2, "frequency_to_severity_rank_gap": -4, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 2 }, { "state": "South Dakota", "postal_abbreviation": "SD", "fips_code": "46", "jurisdiction_type": "state", "population_2025": 935094, "population_source_year": 2025, "ic3_complaints_2025": 2514, "ic3_reported_loss_2025_usd": 51452806, "complaints_per_100k_2025": 268.84997657989464, "reported_loss_per_100k_2025_usd": 5502420.719200423, "average_reported_loss_per_complaint_2025_usd": 20466.509944311852, "crypto_related_complaints_2025": 603, "crypto_related_reported_loss_2025_usd": 23169159, "crypto_complaints_per_100k_2025": 64.48549557584586, "crypto_reported_loss_per_100k_2025_usd": 2477735.8212115574, "crypto_average_reported_loss_per_complaint_2025_usd": 38423.149253731346, "median_household_income_2024_usd": 76881, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 47, "raw_loss_rank": 46, "complaint_rate_rank": 19, "loss_rate_rank": 17, "loss_severity_rank": 13, "crypto_complaint_rate_rank": 5, "crypto_loss_rate_rank": 24, "raw_to_adjusted_loss_rank_change": 29, "frequency_to_severity_rank_gap": 6, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 3 }, { "state": "Tennessee", "postal_abbreviation": "TN", "fips_code": "47", "jurisdiction_type": "state", "population_2025": 7315076, "population_source_year": 2025, "ic3_complaints_2025": 16261, "ic3_reported_loss_2025_usd": 269214519, "complaints_per_100k_2025": 222.29434116610682, "reported_loss_per_100k_2025_usd": 3680269.610322572, "average_reported_loss_per_complaint_2025_usd": 16555.840292724926, "crypto_related_complaints_2025": 2854, "crypto_related_reported_loss_2025_usd": 142006339, "crypto_complaints_per_100k_2025": 39.01531576705423, "crypto_reported_loss_per_100k_2025_usd": 1941283.1664360017, "crypto_average_reported_loss_per_complaint_2025_usd": 49756.95129642607, "median_household_income_2024_usd": 71997, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 20, "raw_loss_rank": 19, "complaint_rate_rank": 38, "loss_rate_rank": 39, "loss_severity_rank": 38, "crypto_complaint_rate_rank": 31, "crypto_loss_rate_rank": 35, "raw_to_adjusted_loss_rank_change": -20, "frequency_to_severity_rank_gap": 0, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 2 }, { "state": "Texas", "postal_abbreviation": "TX", "fips_code": "48", "jurisdiction_type": "state", "population_2025": 31709821, "population_source_year": 2025, "ic3_complaints_2025": 97912, "ic3_reported_loss_2025_usd": 1825636181, "complaints_per_100k_2025": 308.775000653583, "reported_loss_per_100k_2025_usd": 5757320.992130483, "average_reported_loss_per_complaint_2025_usd": 18645.68368535011, "crypto_related_complaints_2025": 13965, "crypto_related_reported_loss_2025_usd": 1016062841, "crypto_complaints_per_100k_2025": 44.039983700948675, "crypto_reported_loss_per_100k_2025_usd": 3204252.84330681, "crypto_average_reported_loss_per_complaint_2025_usd": 72757.81174364482, "median_household_income_2024_usd": 79721, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 2, "raw_loss_rank": 2, "complaint_rate_rank": 9, "loss_rate_rank": 13, "loss_severity_rank": 23, "crypto_complaint_rate_rank": 20, "crypto_loss_rate_rank": 11, "raw_to_adjusted_loss_rank_change": -11, "frequency_to_severity_rank_gap": -14, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 3 }, { "state": "Utah", "postal_abbreviation": "UT", "fips_code": "49", "jurisdiction_type": "state", "population_2025": 3538904, "population_source_year": 2025, "ic3_complaints_2025": 9903, "ic3_reported_loss_2025_usd": 195417205, "complaints_per_100k_2025": 279.83240008771077, "reported_loss_per_100k_2025_usd": 5521969.655011835, "average_reported_loss_per_complaint_2025_usd": 19733.131879228516, "crypto_related_complaints_2025": 1833, "crypto_related_reported_loss_2025_usd": 107495105, "crypto_complaints_per_100k_2025": 51.79569719890678, "crypto_reported_loss_per_100k_2025_usd": 3037525.318573208, "crypto_average_reported_loss_per_complaint_2025_usd": 58644.35624659029, "median_household_income_2024_usd": 96658, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 28, "raw_loss_rank": 25, "complaint_rate_rank": 17, "loss_rate_rank": 16, "loss_severity_rank": 18, "crypto_complaint_rate_rank": 11, "crypto_loss_rate_rank": 13, "raw_to_adjusted_loss_rank_change": 9, "frequency_to_severity_rank_gap": -1, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 5 }, { "state": "Virginia", "postal_abbreviation": "VA", "fips_code": "51", "jurisdiction_type": "state", "population_2025": 8880107, "population_source_year": 2025, "ic3_complaints_2025": 25314, "ic3_reported_loss_2025_usd": 476120025, "complaints_per_100k_2025": 285.0641326731761, "reported_loss_per_100k_2025_usd": 5361647.387807377, "average_reported_loss_per_complaint_2025_usd": 18808.56541834558, "crypto_related_complaints_2025": 4246, "crypto_related_reported_loss_2025_usd": 261243361, "crypto_complaints_per_100k_2025": 47.8147391692465, "crypto_reported_loss_per_100k_2025_usd": 2941894.292489944, "crypto_average_reported_loss_per_complaint_2025_usd": 61526.93382006595, "median_household_income_2024_usd": 92090, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 12, "raw_loss_rank": 10, "complaint_rate_rank": 16, "loss_rate_rank": 19, "loss_severity_rank": 22, "crypto_complaint_rate_rank": 17, "crypto_loss_rate_rank": 15, "raw_to_adjusted_loss_rank_change": -9, "frequency_to_severity_rank_gap": -6, "frequency_severity_group": "Higher frequency, higher severity", "income_quintile": 4 }, { "state": "Vermont", "postal_abbreviation": "VT", "fips_code": "50", "jurisdiction_type": "state", "population_2025": 644663, "population_source_year": 2025, "ic3_complaints_2025": 1580, "ic3_reported_loss_2025_usd": 26567033, "complaints_per_100k_2025": 245.0892947167745, "reported_loss_per_100k_2025_usd": 4121073.0257514394, "average_reported_loss_per_complaint_2025_usd": 16814.577848101268, "crypto_related_complaints_2025": 212, "crypto_related_reported_loss_2025_usd": 7532107, "crypto_complaints_per_100k_2025": 32.885399037946954, "crypto_reported_loss_per_100k_2025_usd": 1168378.9825071394, "crypto_average_reported_loss_per_complaint_2025_usd": 35528.806603773584, "median_household_income_2024_usd": 82730, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 48, "raw_loss_rank": 49, "complaint_rate_rank": 26, "loss_rate_rank": 32, "loss_severity_rank": 33, "crypto_complaint_rate_rank": 43, "crypto_loss_rate_rank": 49, "raw_to_adjusted_loss_rank_change": 17, "frequency_to_severity_rank_gap": -7, "frequency_severity_group": "Lower frequency, lower severity", "income_quintile": 4 }, { "state": "Washington", "postal_abbreviation": "WA", "fips_code": "53", "jurisdiction_type": "state", "population_2025": 8001020, "population_source_year": 2025, "ic3_complaints_2025": 25619, "ic3_reported_loss_2025_usd": 458165375, "complaints_per_100k_2025": 320.19667492394717, "reported_loss_per_100k_2025_usd": 5726337.079522361, "average_reported_loss_per_complaint_2025_usd": 17883.811819352824, "crypto_related_complaints_2025": 4589, "crypto_related_reported_loss_2025_usd": 263067281, "crypto_complaints_per_100k_2025": 57.35518721363026, "crypto_reported_loss_per_100k_2025_usd": 3287921.802470185, "crypto_average_reported_loss_per_complaint_2025_usd": 57325.62235781216, "median_household_income_2024_usd": 99389, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 11, "raw_loss_rank": 11, "complaint_rate_rank": 5, "loss_rate_rank": 15, "loss_severity_rank": 28, "crypto_complaint_rate_rank": 7, "crypto_loss_rate_rank": 10, "raw_to_adjusted_loss_rank_change": -4, "frequency_to_severity_rank_gap": -23, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 5 }, { "state": "Wisconsin", "postal_abbreviation": "WI", "fips_code": "55", "jurisdiction_type": "state", "population_2025": 5972787, "population_source_year": 2025, "ic3_complaints_2025": 16680, "ic3_reported_loss_2025_usd": 194227722, "complaints_per_100k_2025": 279.2666137265568, "reported_loss_per_100k_2025_usd": 3251877.5908131334, "average_reported_loss_per_complaint_2025_usd": 11644.347841726618, "crypto_related_complaints_2025": 3092, "crypto_related_reported_loss_2025_usd": 87426944, "crypto_complaints_per_100k_2025": 51.768127676409684, "crypto_reported_loss_per_100k_2025_usd": 1463754.5922866494, "crypto_average_reported_loss_per_complaint_2025_usd": 28275.20827943079, "median_household_income_2024_usd": 77488, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 19, "raw_loss_rank": 26, "complaint_rate_rank": 18, "loss_rate_rank": 44, "loss_severity_rank": 48, "crypto_complaint_rate_rank": 12, "crypto_loss_rate_rank": 41, "raw_to_adjusted_loss_rank_change": -18, "frequency_to_severity_rank_gap": -30, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 3 }, { "state": "West Virginia", "postal_abbreviation": "WV", "fips_code": "54", "jurisdiction_type": "state", "population_2025": 1766147, "population_source_year": 2025, "ic3_complaints_2025": 4209, "ic3_reported_loss_2025_usd": 92648544, "complaints_per_100k_2025": 238.31538371381316, "reported_loss_per_100k_2025_usd": 5245800.264643882, "average_reported_loss_per_complaint_2025_usd": 22012.0085531005, "crypto_related_complaints_2025": 556, "crypto_related_reported_loss_2025_usd": 23208701, "crypto_complaints_per_100k_2025": 31.48095826678074, "crypto_reported_loss_per_100k_2025_usd": 1314086.5964158135, "crypto_average_reported_loss_per_complaint_2025_usd": 41742.267985611514, "median_household_income_2024_usd": 60798, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 39, "raw_loss_rank": 36, "complaint_rate_rank": 29, "loss_rate_rank": 20, "loss_severity_rank": 10, "crypto_complaint_rate_rank": 47, "crypto_loss_rate_rank": 45, "raw_to_adjusted_loss_rank_change": 16, "frequency_to_severity_rank_gap": 19, "frequency_severity_group": "Lower frequency, higher severity", "income_quintile": 1 }, { "state": "Wyoming", "postal_abbreviation": "WY", "fips_code": "56", "jurisdiction_type": "state", "population_2025": 588753, "population_source_year": 2025, "ic3_complaints_2025": 1552, "ic3_reported_loss_2025_usd": 25826205, "complaints_per_100k_2025": 263.60799860043176, "reported_loss_per_100k_2025_usd": 4386594.208437155, "average_reported_loss_per_complaint_2025_usd": 16640.59600515464, "crypto_related_complaints_2025": 273, "crypto_related_reported_loss_2025_usd": 13695308, "crypto_complaints_per_100k_2025": 46.369190475462545, "crypto_reported_loss_per_100k_2025_usd": 2326155.1108869086, "crypto_average_reported_loss_per_complaint_2025_usd": 50165.96336996337, "median_household_income_2024_usd": 75532, "income_source_year": 2024, "ic3_source_year": 2025, "missing_data": false, "notes": "IC3 complaint geography is complainant location. Counts are reports, not unique victims or prevalence. Cryptocurrency is an overlapping descriptor.", "raw_complaint_rank": 49, "raw_loss_rank": 50, "complaint_rate_rank": 23, "loss_rate_rank": 27, "loss_severity_rank": 35, "crypto_complaint_rate_rank": 19, "crypto_loss_rate_rank": 28, "raw_to_adjusted_loss_rank_change": 23, "frequency_to_severity_rank_gap": -12, "frequency_severity_group": "Higher frequency, lower severity", "income_quintile": 2 } ], "national_category_series": [ { "category": "Credit Card/Check Fraud", "year": 2023, "complaints": 13718, "reported_loss_usd": 173627614, "source_page": 26 }, { "category": "Credit Card/Check Fraud", "year": 2024, "complaints": 12876, "reported_loss_usd": 199889841, "source_page": 26 }, { "category": "Credit Card/Check Fraud", "year": 2025, "complaints": 18774, "reported_loss_usd": 282670235, "source_page": 26 }, { "category": "Investment", "year": 2023, "complaints": 39570, "reported_loss_usd": 4570275683, "source_page": 26 }, { "category": "Investment", "year": 2024, "complaints": 47919, "reported_loss_usd": 6570639864, "source_page": 26 }, { "category": "Investment", "year": 2025, "complaints": 72984, "reported_loss_usd": 8648617756, "source_page": 26 } ], "age_series": [ { "age_group": "Under 20", "complaints": 31254, "reported_loss_usd": 67100000 }, { "age_group": "20-29", "complaints": 112069, "reported_loss_usd": 563100000 }, { "age_group": "30-39", "complaints": 153293, "reported_loss_usd": 1700000000 }, { "age_group": "40-49", "complaints": 167066, "reported_loss_usd": 2957000000 }, { "age_group": "50-59", "complaints": 124820, "reported_loss_usd": 3700000000 }, { "age_group": "60+", "complaints": 201266, "reported_loss_usd": 7748000000 } ], "income_quintiles": [ { "income_quintile": 1, "states": 10, "median_income_usd": 65337.0, "median_complaints_per_100k": 214.50045726688086, "median_reported_loss_per_100k_usd": 3256002.6148855365, "median_average_reported_loss_per_complaint_usd": 15130.346423198562 }, { "income_quintile": 2, "states": 10, "median_income_usd": 74649.0, "median_complaints_per_100k": 230.1782903252484, "median_reported_loss_per_100k_usd": 3808246.477380668, "median_average_reported_loss_per_complaint_usd": 17371.980426941078 }, { "income_quintile": 3, "states": 10, "median_income_usd": 77803.0, "median_complaints_per_100k": 253.70276392368083, "median_reported_loss_per_100k_usd": 4733322.670059983, "median_average_reported_loss_per_complaint_usd": 20137.84126373887 }, { "income_quintile": 4, "states": 10, "median_income_usd": 85520.0, "median_complaints_per_100k": 272.1673931247729, "median_reported_loss_per_100k_usd": 5391664.905400155, "median_average_reported_loss_per_complaint_usd": 18558.125519029356 }, { "income_quintile": 5, "states": 10, "median_income_usd": 99965.5, "median_complaints_per_100k": 302.4222221390495, "median_reported_loss_per_100k_usd": 5928036.841872141, "median_average_reported_loss_per_complaint_usd": 19908.841312748587 } ], "pearson_correlations_50_states_only": { "complaints_per_100k_2025": 0.4795106830309045, "reported_loss_per_100k_2025_usd": 0.6336466233358471, "average_reported_loss_per_complaint_2025_usd": 0.45958753442407957, "crypto_reported_loss_per_100k_2025_usd": 0.4106767752873592 }, "statistical_validation_50_states_only": { "complaints_per_100k_2025": { "pearson_r": 0.4795106830309045, "spearman_rho": 0.5207683073229292, "spearman_bootstrap_95_ci": [ 0.26632477507063645, 0.7086099563699698 ], "bootstrap_samples": 10000, "leave_one_out_pearson_range": [ 0.4488730103477896, 0.5322345893624483 ], "jurisdictions": 50, "district_of_columbia_excluded": true, "interpretation": "Descriptive state-level association only; not causal or individual-level evidence." }, "reported_loss_per_100k_2025_usd": { "pearson_r": 0.6336466233358471, "spearman_rho": 0.7446338535414165, "spearman_bootstrap_95_ci": [ 0.576507646436472, 0.8494430599634226 ], "bootstrap_samples": 10000, "leave_one_out_pearson_range": [ 0.6091698613160769, 0.6878314506184824 ], "jurisdictions": 50, "district_of_columbia_excluded": true, "interpretation": "Descriptive state-level association only; not causal or individual-level evidence." }, "average_reported_loss_per_complaint_2025_usd": { "pearson_r": 0.45958753442407957, "spearman_rho": 0.4871548619447779, "spearman_bootstrap_95_ci": [ 0.21589959045461007, 0.7067210624780553 ], "bootstrap_samples": 10000, "leave_one_out_pearson_range": [ 0.39967216160718877, 0.5127171125459029 ], "jurisdictions": 50, "district_of_columbia_excluded": true, "interpretation": "Descriptive state-level association only; not causal or individual-level evidence." }, "crypto_reported_loss_per_100k_2025_usd": { "pearson_r": 0.4106767752873592, "spearman_rho": 0.6994957983193277, "spearman_bootstrap_95_ci": [ 0.5062478503772793, 0.83841629669331 ], "bootstrap_samples": 10000, "leave_one_out_pearson_range": [ 0.3788747710067037, 0.6012863399611792 ], "jurisdictions": 50, "district_of_columbia_excluded": true, "interpretation": "Descriptive state-level association only; not causal or individual-level evidence." } }, "fraud_exposure_matrix": { "complaint_rate_median": 252.17997414657208, "average_loss_severity_median_usd": 18136.86975046477, "groups": { "Higher frequency, higher severity": [ "AZ", "CA", "CO", "CT", "DE", "FL", "KS", "MD", "NV", "SD", "TX", "UT", "VA" ], "Higher frequency, lower severity": [ "AK", "IL", "IN", "MA", "NH", "NM", "OK", "OR", "SC", "WA", "WI", "WY" ], "Lower frequency, higher severity": [ "GA", "HI", "ID", "ME", "MN", "MT", "ND", "NE", "NJ", "NY", "RI", "WV" ], "Lower frequency, lower severity": [ "AL", "AR", "IA", "KY", "LA", "MI", "MO", "MS", "NC", "OH", "PA", "TN", "VT" ] }, "threshold_rule": "50-state medians; Washington, D.C. excluded" }, "largest_raw_to_adjusted_loss_rank_changes": [ { "state": "Rhode Island", "postal_abbreviation": "RI", "raw_loss_rank": 40, "loss_rate_rank": 7, "rank_change": 33 }, { "state": "Delaware", "postal_abbreviation": "DE", "raw_loss_rank": 42, "loss_rate_rank": 12, "rank_change": 30 }, { "state": "Alaska", "postal_abbreviation": "AK", "raw_loss_rank": 47, "loss_rate_rank": 18, "rank_change": 29 }, { "state": "South Dakota", "postal_abbreviation": "SD", "raw_loss_rank": 46, "loss_rate_rank": 17, "rank_change": 29 }, { "state": "Hawaii", "postal_abbreviation": "HI", "raw_loss_rank": 32, "loss_rate_rank": 4, "rank_change": 28 }, { "state": "Ohio", "postal_abbreviation": "OH", "raw_loss_rank": 13, "loss_rate_rank": 41, "rank_change": -28 }, { "state": "Pennsylvania", "postal_abbreviation": "PA", "raw_loss_rank": 7, "loss_rate_rank": 33, "rank_change": -26 }, { "state": "North Dakota", "postal_abbreviation": "ND", "raw_loss_rank": 48, "loss_rate_rank": 23, "rank_change": 25 }, { "state": "North Carolina", "postal_abbreviation": "NC", "raw_loss_rank": 12, "loss_rate_rank": 36, "rank_change": -24 }, { "state": "Wyoming", "postal_abbreviation": "WY", "raw_loss_rank": 50, "loss_rate_rank": 27, "rank_change": 23 } ], "calculation_notes": [ "The ranking inputs cover full-year FBI IC3 complaint reports and reported loss from January 1 through December 31, 2025, Census resident population estimates for July 1, 2025, and 2024 ACS median household income.", "Rates use Census Vintage 2025 population estimates as denominators.", "Income correlations use 2024 ACS median household income and exclude the District of Columbia.", "No causal inference is made from state-level correlations.", "FTC Consumer Sentinel, CFPB complaints, FinCEN SAR statistics, and FBI IC3 are separate systems; their totals are not combined.", "The analysis does not use a Q1 2025 through Q1 2026 collection window or 2026 state population estimates.", "Spearman confidence intervals use 10,000 deterministic paired bootstrap resamples.", "The exposure matrix uses 50-state medians as descriptive thresholds and excludes Washington, D.C.", "Cryptocurrency descriptor values are not converted to a share of total state loss because the FBI's published Oregon descriptor loss exceeds its published overall state loss; the source tables are preserved and the measures are not treated as mutually exclusive." ], "source_system_roles": [ { "source_id": "S1", "system": "FBI IC3", "role": "ranking input", "period": "January 1 through December 31, 2025", "combined_with_ic3": true }, { "source_id": "S2", "system": "U.S. Census population estimates", "role": "ranking denominator", "period": "July 1, 2025 estimate", "combined_with_ic3": true }, { "source_id": "S3", "system": "U.S. Census ACS household income", "role": "separate state-level association input", "period": "calendar year 2024", "combined_with_ic3": true }, { "source_id": "S8", "system": "FTC Consumer Sentinel Network", "role": "separate consumer-report context", "period": "calendar year 2024", "combined_with_ic3": false }, { "source_id": "S9", "system": "CFPB Consumer Complaint Database", "role": "separate financial-product complaint context", "period": "ongoing public database", "combined_with_ic3": false }, { "source_id": "S10", "system": "FinCEN SAR Filings by Industry", "role": "separate financial-institution filing context", "period": "January 1, 2014 through December 31, 2024", "combined_with_ic3": false } ] }