Staying Safe in the Season of Giving
As the holidays approach, charitable giving naturally ramps up. In fact, Americans contribute hundreds of billions each year, with a big surge in the final months. That generosity makes a real impact — but it also attracts scammers hoping to cash in on good intentions.
Before you give this season, a little extra caution can help ensure your support actually reaches the people and causes you care about.
How Charity Scams Typically Work
Scammers often pose as representatives for well-known causes — veterans, animal rescues, disaster relief, children’s programs, and more. They may call, email, send mailers, or even show up in person. Sometimes they’ll thank you for a donation you never made in an effort to appear legitimate. A common red flag: pressure to give immediately.
What to Keep in Mind
Real charities welcome donations, but they won’t demand gift cards, wire transfers, or cryptocurrency. They also won’t mind if you take time to verify who they are. Be especially alert during major disasters or crises, when fake charities tend to pop up quickly. And if you’re considering giving to a crowdfunding campaign, stick to creators you personally know and trust.
Smart Ways to Protect Yourself
- Do a quick background check. Sites like give.org, CharityNavigator.org, and CharityWatch.org can confirm legitimacy and show how an organization uses its funds.
- Look closely at names and URLs. Scammers often design their sites to resemble trusted charities.
- Be cautious with unsolicited messages. Links sent via email, text, or social media can lead to malware or spoofed donation pages.
- Use a credit card. It’s easier to track contributions and dispute fraudulent charges.
- Plan your giving. Keep a list of vetted charities so you’re less likely to feel pressured by unexpected solicitations.
A few simple steps can help your generosity make the impact you intend — safely and confidently.
