# AntiFraud.com

> Fight fraud from every angle: earn 10–50% government rewards for reporting it, get step-by-step recovery help if you are a victim, and choose the right fraud-prevention software for your business.

Independent U.S. fraud resource in three sections: a verified directory of every government whistleblower reward program, recovery guides for fraud victims, and buyer’s guides for fraud-prevention software.

## Help for fraud victims
- [Scammed? Here’s Exactly What to Do Now](https://antifraud.com/victims/): Step-by-step help for fraud victims: stop the damage, report to the right agencies, try to get your money back, and protect your identity — free official channels only.
- [How to Get Your Money Back After a Scam](https://antifraud.com/victims/get-your-money-back/): Card chargebacks, wire recalls, Zelle/Venmo disputes, gift cards and crypto — ranked by your real odds of recovery.
- [How to Report Identity Theft and Reclaim Your Name](https://antifraud.com/victims/report-identity-theft/): The exact reporting order — IdentityTheft.gov first — and how to clean up accounts opened in your name.
- [Where to Report a Scam (and Why It Matters)](https://antifraud.com/victims/where-to-report-a-scam/): A routing table for every fraud type — online crime to IC3, imposters to the FTC, mail fraud to USPIS, and more.
- [Credit Freeze vs. Fraud Alert: Which Do You Need?](https://antifraud.com/victims/credit-freeze-fraud-alert/): Freezes, fraud alerts and "locks" compared — and the 15-minute, $0 setup that blocks most new-account fraud.
- [Romance Scams: How to Spot One and What to Do After](https://antifraud.com/victims/romance-scams/): Warning signs, pig-butchering red flags, and a judgment-free recovery plan for you or someone you love.
- [Elder Fraud: Helping a Parent or Grandparent Who’s Been Scammed](https://antifraud.com/victims/elder-fraud/): Stepping in without a fight: the Elder Fraud Hotline, common schemes targeting seniors, and prevention that sticks.
- [Do You Actually Need Identity Theft Protection?](https://antifraud.com/victims/identity-theft-protection/): An honest look at monitoring services: what they catch, what a free credit freeze already covers, and who should pay.

## Fraud prevention software (buyer’s guides)
- [Fraud Prevention Software: The Complete Guide](https://antifraud.com/prevention/): An independent map of the fraud-prevention stack — ecommerce fraud, KYC/IDV, chargebacks, AML, account takeover and ad fraud — with vendor landscapes and how to choose.
- [Ecommerce Fraud Prevention Software: Buyer’s Guide](https://antifraud.com/prevention/ecommerce-fraud-prevention/): Pre-auth screening and chargeback guarantees — and why false declines usually cost more than fraud itself.
- [Identity Verification & KYC Software: Buyer’s Guide](https://antifraud.com/prevention/identity-verification-software/): Document checks, selfie biometrics and database verification for KYC onboarding — without wrecking conversion.
- [Chargeback Management Software: Buyer’s Guide](https://antifraud.com/prevention/chargeback-management-software/): Prevention alerts, representment automation and when fighting disputes is worth it — a plain-English guide.
- [AML & Transaction Monitoring Software: Buyer’s Guide](https://antifraud.com/prevention/aml-transaction-monitoring/): Sanctions screening, monitoring rules and case management — compliance-grade tooling from enterprise to fintech.
- [Account Takeover & Bot Fraud Prevention: Buyer’s Guide](https://antifraud.com/prevention/account-takeover-prevention/): Device intelligence, behavioral signals and bot mitigation against credential stuffing and session hijacking.
- [Ad Fraud & Click Fraud Detection: Buyer’s Guide](https://antifraud.com/prevention/ad-fraud-detection/): Invalid traffic and click fraud drain ad budgets silently — how detection tools work and who sells them.

## Whistleblower reward programs (verified directory)
- [Searchable directory of all 69 programs](https://antifraud.com/rewards/)
- [False Claims Act Qui Tam (Federal)](https://antifraud.com/programs/fca-qui-tam/): 15–30% of recovery. Sue companies defrauding the U.S. government and earn 15–30% of the recovery. Record $6.8B recovered in FY2025. Covers Medicare, defense, customs and more.
- [SEC Whistleblower Program](https://antifraud.com/programs/sec-whistleblower/): 10–30% of sanctions. Report securities fraud to the SEC and earn 10–30% of sanctions over $1M. File anonymously through an attorney. Over $2 billion already paid out.
- [IRS Whistleblower Program](https://antifraud.com/programs/irs-whistleblower/): 15–30% of collected proceeds. Report tax evasion to the IRS with Form 211 and earn 15–30% of what the IRS collects. Over $1.4 billion paid to whistleblowers since 2007.
- [CFTC Whistleblower Program](https://antifraud.com/programs/cftc-whistleblower/): 10–30% of sanctions. Report commodities, derivatives or crypto fraud to the CFTC and earn 10–30% of sanctions over $1M. Over $430 million awarded to date.
- [FinCEN AML & Sanctions Whistleblower Program](https://antifraud.com/programs/fincen-aml/): 10–30% of sanctions. Report money laundering or sanctions evasion to FinCEN and earn 10–30% of sanctions over $1M. New program — proposed rule presumes the maximum 30% award.
- [DOJ Corporate Whistleblower Awards Pilot Program](https://antifraud.com/programs/doj-corporate-pilot/): Up to 30% of first $100M forfeited. DOJ pays up to 30% of forfeited proceeds for tips on corporate crime — private-insurer fraud, corruption, cartels, customs fraud. Active through Aug 2027.
- [NHTSA Motor Vehicle Safety Whistleblower Program](https://antifraud.com/programs/nhtsa-vehicle-safety/): 10–30% of collected penalties. Auto-industry insiders can earn 10–30% of penalties for reporting safety defects to NHTSA. First award: $24.3 million (Hyundai engineer).
- [DOJ Antitrust Whistleblower Rewards Program](https://antifraud.com/programs/doj-antitrust-rewards/): 15–30% of criminal fine. New in 2025: report price fixing or bid rigging to the DOJ and earn 15–30% of criminal fines over $1M. First $1M award already paid.
- [Customs Moiety Program](https://antifraud.com/programs/customs-moiety/): Up to 25% of net recovery. Report customs or tariff fraud to CBP and earn up to 25% of the recovery (max $250K). For bigger cases, FCA qui tam pays 15–30% uncapped.
- [FIRREA / FIAFEA Bank Fraud Declarations](https://antifraud.com/programs/firrea-fiafea/): 5–30% tiered. Report fraud affecting federally insured banks via a FIRREA declaration and earn up to $1.6M. Covers mortgage and financial-institution fraud.
- [Ocean Pollution Whistleblower Awards (APPS)](https://antifraud.com/programs/apps-ocean-pollution/): Up to 50% of criminal fine. Ship crew members can earn up to 50% of criminal fines for reporting illegal ocean dumping ('magic pipes'). Average award: 28.8% of the fine.
- [Medicare Incentive Reward Program (HHS)](https://antifraud.com/programs/hhs-oig-incentive/): Up to $1,000 (10% of first $10K recovered). HHS pays up to $1,000 for Medicare fraud tips. Have serious evidence? The False Claims Act pays 15–30% of recoveries instead — compare programs.
- [Wildlife Trafficking Rewards (Lacey Act / ESA)](https://antifraud.com/programs/fws-wildlife/): Discretionary (historically $250–$125,000). The U.S. Fish & Wildlife Service pays discretionary rewards for tips on wildlife trafficking, illegal logging and poaching under the Lacey Act and ESA.
- [EPA Clean Air Act Awards](https://antifraud.com/programs/epa-clean-air/): Up to $10,000. The Clean Air Act authorizes EPA rewards up to $10,000 for information leading to convictions or penalties for air-pollution violations.
- [California False Claims Act](https://antifraud.com/programs/ca-fca/): 15–30% of recovery. Report fraud against California or its cities and counties under the CA False Claims Act and earn 15–30% of the state's recovery.
- [Colorado False Claims Act](https://antifraud.com/programs/co-fca/): 15–30% of recovery. Colorado's 2022 False Claims Act pays whistleblowers 15–30% of recoveries for reporting fraud against state or local government funds.
- [Connecticut False Claims Act](https://antifraud.com/programs/ct-fca/): 15–30% of recovery. Connecticut's expanded False Claims Act (2023) now covers all state funds — whistleblowers earn 15–30% of recoveries.
- [Delaware False Claims and Reporting Act](https://antifraud.com/programs/de-fca/): 15–30% of recovery. Report fraud against Delaware under its False Claims and Reporting Act and earn 15–30% of the recovery.
- [District of Columbia False Claims Act](https://antifraud.com/programs/dc-fca/): 15–30% of recovery. DC's False Claims Act covers government fraud AND large tax fraud — whistleblowers earn 15–30% of what the District recovers.
- [Florida False Claims Act](https://antifraud.com/programs/fl-fca/): 15–30% of recovery. Report fraud against the State of Florida under the FL False Claims Act and earn 15–30% of the state's recovery.
- [Georgia Taxpayer Protection False Claims Act](https://antifraud.com/programs/ga-fca/): 15–30% of recovery. Georgia's Taxpayer Protection FCA pays whistleblowers 15–30% of recoveries for reporting fraud on state or local funds.
- [Hawaii False Claims Act](https://antifraud.com/programs/hi-fca/): 15–30% of recovery. Report fraud against Hawaii or its counties under the HI False Claims Act and earn 15–30% of the recovery.
- [Illinois False Claims Act](https://antifraud.com/programs/il-fca/): 15–30% of recovery. Illinois' False Claims Act covers state funds and even sales-tax fraud — whistleblowers earn 15–30% of recoveries.
- [Indiana False Claims Act](https://antifraud.com/programs/in-fca/): 15–30% of recovery. Report fraud against the State of Indiana under its False Claims Act and earn 15–30% of the recovery.
- [Iowa False Claims Act](https://antifraud.com/programs/ia-fca/): 15–30% of recovery. Report fraud against the State of Iowa under the Iowa False Claims Act and earn 15–30% of the recovery.
- [Maryland False Claims Act](https://antifraud.com/programs/md-fca/): 15–25% of recovery. Maryland whistleblowers can earn 15–25% under its False Claims Acts — plus 15–30% under its separate tax whistleblower program.
- [Massachusetts False Claims Act](https://antifraud.com/programs/ma-fca/): 15–30% of recovery. Massachusetts' False Claims Act pays whistleblowers 15–30% — and now reaches private-equity owners of companies that defraud the state.
- [Minnesota False Claims Act](https://antifraud.com/programs/mn-fca/): 15–30% of recovery. Report fraud against Minnesota or its local governments under the MN False Claims Act and earn 15–30% of the recovery.
- [Montana False Claims Act](https://antifraud.com/programs/mt-fca/): 15–30% of recovery. Report fraud against Montana or its local governments under the MT False Claims Act and earn 15–30% of the recovery.
- [Nevada False Claims Act](https://antifraud.com/programs/nv-fca/): 15–30% of recovery. Report fraud against Nevada or its local governments under the NV False Claims Act and earn 15–30% of the recovery.
- [New Jersey False Claims Act](https://antifraud.com/programs/nj-fca/): 15–30% of recovery. Report fraud against New Jersey under the NJ False Claims Act and earn 15–30% of the state's recovery.
- [New Mexico Fraud Against Taxpayers Act](https://antifraud.com/programs/nm-fca/): 15–30% of recovery. Report fraud against New Mexico under the Fraud Against Taxpayers Act and earn 15–30% of the recovery.
- [New York False Claims Act](https://antifraud.com/programs/ny-fca/): 15–30% of recovery. New York's False Claims Act covers government fraud AND million-dollar tax fraud — whistleblowers earn 15–30% of recoveries.
- [North Carolina False Claims Act](https://antifraud.com/programs/nc-fca/): 15–30% of recovery. Report fraud against North Carolina under the NC False Claims Act and earn 15–30% of the state's recovery.
- [Rhode Island False Claims Act](https://antifraud.com/programs/ri-fca/): 15–30% of recovery. Report fraud against Rhode Island under the RI False Claims Act and earn 15–30% of the state's recovery.
- [Tennessee False Claims Act](https://antifraud.com/programs/tn-fca/): 25–50% of recovery (general act). Tennessee pays the highest whistleblower shares in America — up to 50% of recoveries under its False Claims Act.
- [Vermont False Claims Act](https://antifraud.com/programs/vt-fca/): 15–30% of recovery. Report fraud against Vermont under the VT False Claims Act and earn 15–30% of the state's recovery.
- [Virginia Fraud Against Taxpayers Act](https://antifraud.com/programs/va-fca/): 15–30% of recovery. Report fraud against Virginia under the Fraud Against Taxpayers Act and earn 15–30% of the state's recovery.
- [Guam False Claims and Whistleblower Act](https://antifraud.com/programs/gu-fca/): 15–30% of recovery. Guam's False Claims and Whistleblower Act pays 15–30% of recoveries, including a dedicated tax-fraud reward provision.
- [Puerto Rico False Claims Act](https://antifraud.com/programs/pr-fca/): 15–30% of recovery. Puerto Rico's False Claims Act (2018) pays whistleblowers 15–30% of recoveries for reporting fraud on territorial funds.
- [U.S. Virgin Islands False Claims Act](https://antifraud.com/programs/vi-fca/): 15–50% of recovery. The U.S. Virgin Islands False Claims Act pays whistleblowers up to 50% of recoveries in non-intervened cases.
- [Louisiana Medical Assistance Programs Integrity Law](https://antifraud.com/programs/la-mapil/): 15–30% of recovery. Report Louisiana Medicaid fraud under MAPIL and earn 15–30% of the state's recovery.
- [Michigan Medicaid False Claim Act](https://antifraud.com/programs/mi-mfca/): 15–30% of recovery. Report Michigan Medicaid fraud under the Medicaid False Claim Act and earn 15–30% of the recovery.
- [New Hampshire False Claims Act](https://antifraud.com/programs/nh-fca/): 15–30% of recovery. Report New Hampshire Medicaid fraud under the NH False Claims Act and earn 15–30% of the recovery.
- [Oklahoma Medicaid False Claims Act](https://antifraud.com/programs/ok-mfca/): 15–30% of recovery. Report Oklahoma Medicaid fraud under the OK Medicaid False Claims Act and earn 15–30% of the recovery.
- [Texas Medicaid Fraud Prevention Act](https://antifraud.com/programs/tx-mfpa/): 15–30% of recovery. Report Texas Medicaid fraud under the TMFPA and earn 15–30% of the state's recovery — one of the most active state programs.
- [Washington Medicaid Fraud False Claims Act](https://antifraud.com/programs/wa-mfca/): 15–30% of recovery. Report Washington Medicaid fraud under RCW 74.66 and earn 15–30% of the state's recovery.
- [California Insurance Frauds Prevention Act](https://antifraud.com/programs/ca-ifpa/): 30–50% of recovery. California's IFPA pays whistleblowers 30–50% for exposing fraud against private insurance companies — the highest-percentage insurance program in the U.S.
- [Illinois Insurance Claims Fraud Prevention Act](https://antifraud.com/programs/il-icfpa/): 30%+ intervened / 40%+ declined. Illinois pays whistleblowers 30–40%+ of recoveries for exposing fraud against private insurers and healthcare kickback schemes.
- [New York City False Claims Act](https://antifraud.com/programs/nyc-fca/): 15–30% of recovery. Report fraud against New York City under the NYC False Claims Act and earn 15–30% of the City's recovery.
- [Chicago False Claims Act](https://antifraud.com/programs/chi-fca/): 15–30% of recovery. Report fraud against the City of Chicago under its False Claims Act and earn 15–30% of the recovery.
- [Philadelphia False Claims Ordinance](https://antifraud.com/programs/phl-fca/): 10–30% of recovery. Pennsylvania has no state FCA, but Philadelphia's False Claims Ordinance pays whistleblowers 10–30% for reporting fraud on the City.
- [Allegheny County False Claims Act](https://antifraud.com/programs/alleg-fca/): 10–30% of recovery. Report fraud against Allegheny County, PA under its False Claims Act and earn 10–30% of the County's recovery.
- [Broward County False Claims Ordinance](https://antifraud.com/programs/brow-fca/): 15–30% of recovery. Report fraud against Broward County, FL under its False Claims Ordinance and earn 15–30% of the recovery.
- [Miami-Dade County False Claims Ordinance](https://antifraud.com/programs/mia-fca/): 10% or 25% (fixed). Report fraud against Miami-Dade County under its False Claims Ordinance and earn a 10–25% share of the recovery.
- [Bay Harbor Islands False Claims Ordinance](https://antifraud.com/programs/bhi-fca/): 10% or 25% (fixed). Bay Harbor Islands, FL pays whistleblowers 10–25% of recoveries under its False Claims Ordinance.
- [Hallandale Beach False Claims Ordinance](https://antifraud.com/programs/hal-fca/): Up to 15–20% of recovery. Hallandale Beach, FL pays whistleblowers up to 20% of recoveries under its False Claims Ordinance.
- [Maryland Tax Whistleblower Reward Program](https://antifraud.com/programs/md-tax-whistleblower/): 15–30% of collected proceeds. Maryland pays tax whistleblowers 15–30% of collected proceeds for reporting tax fraud over $250K — one of the only state tax reward programs.
- [Utah Securities Fraud Reporting Program](https://antifraud.com/programs/ut-securities/): Up to 30% of sanctions. Utah pays up to 30% of sanctions for securities-fraud tips — with a threshold of just $50K, far below the SEC's $1M.
- [Indiana Securities Whistleblower Award](https://antifraud.com/programs/in-securities/): Up to 10% of penalties. Indiana's Securities Division pays whistleblowers up to 10% of penalties for reporting securities fraud in the state.
- [New Jersey Insurance Fraud Detection Reward Program](https://antifraud.com/programs/nj-insurance-reward/): Up to $25,000 per case. New Jersey pays up to $25,000 cash for insurance-fraud tips that lead to a conviction. No lawsuit or lawyer required.
- [Texas Medicaid Fraud Reporting Award](https://antifraud.com/programs/tx-medicaid-tip/): Up to 5% of penalties. Texas pays tipsters up to 5% of recovered penalties for reporting Medicaid fraud — no lawsuit required.
- [Arkansas Medicaid Fraud Reporting Reward](https://antifraud.com/programs/ar-medicaid-tip/): Up to 10% of penalties. Arkansas pays up to 10% of recovered penalties for Medicaid fraud tips — no lawsuit required.
- [Missouri Medicaid Fraud Original-Source Reward](https://antifraud.com/programs/mo-medicaid-tip/): 10% of recovery. Missouri pays original sources 10% of Medicaid-fraud recoveries — report to the Attorney General, no lawsuit required.
- [Michigan HEAT Auto Theft & Insurance Fraud Rewards](https://antifraud.com/programs/mi-heat/): $1,000–$10,000 tiers. Michigan's HEAT program pays $1,000–$10,000 cash rewards for tips on auto theft, chop shops, and auto insurance fraud.
- [Virginia HEAT Auto Theft Rewards](https://antifraud.com/programs/va-heat/): Up to $25,000. Virginia's HEAT program pays rewards up to $25,000 for tips on auto theft and chop shops. Anonymous tips accepted.
- [Missouri Arson Hotline Reward](https://antifraud.com/programs/mo-arson/): Up to $5,000. Missouri pays up to $5,000 for arson tips — including arson-for-insurance fraud. Call 1-800-392-7766.
- [Indiana Arson Hotline Reward](https://antifraud.com/programs/in-arson/): Up to $5,000. Indiana pays up to $5,000 for arson tips, including arson-for-insurance schemes. Call 1-800-382-4628.
- [Florida Arson Tip Rewards](https://antifraud.com/programs/fl-arson/): Cash rewards. Florida's CFO pays cash rewards for arson tips, including arson-for-insurance fraud. Call 1-877-NO-ARSON.

## Whistleblower rewards outside the U.S.
- [Whistleblower Rewards Outside the U.S.: Which Countries Actually Pay](https://antifraud.com/international/): Which countries pay whistleblower rewards in 2026 — the UK, Canada and South Korea — and how non-U.S. citizens claim 10–30% U.S. rewards from anywhere.
- [Can Non-U.S. Citizens Get U.S. Whistleblower Rewards? Yes — Here’s How](https://antifraud.com/international/us-rewards-for-foreign-nationals/): You don’t need to be American: how foreign nationals claim 10–30% rewards under the SEC, CFTC, IRS and qui tam programs.
- [UK Whistleblower Rewards: HMRC’s New 15–30% Scheme and CMA Cartel Rewards](https://antifraud.com/international/united-kingdom/): The new HMRC scheme pays 15–30% of recovered tax; the CMA pays up to £250k for cartel tips. What UK whistleblowers can claim in 2026.
- [Canada Whistleblower Rewards: The OSC Program (up to CAD $5M) and CRA Tax Informants](https://antifraud.com/international/canada/): The OSC pays 5–15% up to CAD $5M for securities tips; the CRA’s Offshore Tax Informant Program pays 5–15% of tax recovered.
- [Australia Has No Whistleblower Reward Program — Here Are Your Options](https://antifraud.com/international/australia/): Australia rejected a U.S.-style bounty. What protections exist, and how Australians with U.S.-linked cases can still be paid.
- [South Korea’s Whistleblower Rewards: How the ACRC Pays up to ₩3 Billion](https://antifraud.com/international/south-korea/): One of Asia’s most established reward systems: 4–30% of recovered public funds, capped at ₩3 billion (about US$2.6M).

## About
- [Methodology & editorial policy](https://antifraud.com/about/)
- [Structured program dataset (JSON)](https://antifraud.com/data/programs.json)