Replacing the UK’s Action Fraud for Inaction Against Scams

Reviewing the Progress Made in the UK to Replace the City of London Police’s Action Fraud

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Authors:
•  SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
•  Alexander Martin, The Record

Replacement for the City of London’s Action Fraud, UK’s Scam, Fraud, and Cybercrime Reporting Service, delayed again until 2025

According to the Record – being reprinted in the public interest – source link above

Action Fraud

The launch date for the repeatedly delayed replacement service for Action Fraud, the much-criticized reporting center for fraud and financially motivated cybercrime in Britain, has again been pushed back, a senior police officer has confirmed to Recorded Future News.

The likely date will be sometime in the spring of 2025, according to Nik Adams, the temporary assistant commissioner at the City of London Police.

In its current form Action Fraud, which is run by the City of London Police, has been described as “not fit for purpose” by the House of Commons Justice Committee amid a surge in the levels of that crime affecting people across the country.

The Public Accounts Committee stated it was “seriously concerned that the failures of Action Fraud in supporting victims of fraud has earned it the nickname ‘Inaction Fraud,’” and echoed the Justice Committee’s findings that the levels of fraud were being driven by shortcomings across the whole of the criminal justice system.

A replacement service aiming to provide more intelligence capabilities to police following incidents of fraud, and better communications to victims who report into the platform, was scheduled to be launched this April. However, in February, officials admitted they had “not been able to achieve” that deadline.

A spokesperson for the City of London Police then said the new service was “planned to go live in 2024, but we have not set a date.”

That broad target of 2024 has now been dropped according to Adams, who told Recorded Future News the force was “currently working to a timeline of the first quarter of 2025.”

Adams then clarified this was the first quarter of the financial year, rather than the calendar year: “So roundabout April or May time 2025 for the formal launch of the new service.”

City of London Police did not explain the cause of the delay. In July, a spokesperson said that work to replace Action Fraud “has progressed in many areas, including essential technical projects that will allow crime reports to be sent out to police forces for consideration for investigation in a timelier and more efficient manner.”

Two companies have been contracted to deliver the replacement service, PwC and Capita, neither of which provided an explanation for the latest delay when asked. A financial services company, TORI, was also recently awarded a £1 million contract “to deliver the technical requirements needed for the new service.”

TORI and PwC declined to comment when contacted by Recorded Future News. A spokesperson for Capita said: “We are committed to delivering an outstanding service for victims of fraud. We’re working closely with all parties to deliver an effective and efficient system.”

Inaction Fraud

The lack of public confidence in Action Fraud has put a significant amount of pressure on City of London Police — the force based in London’s ancient financial district, and the national lead force on fraud — to deliver an effective replacement service. As the platform depends on public reporting, if the public doesn’t see any benefit to reporting fraud then the replacement simply won’t work.

“Given the history of Action Fraud, we want to absolutely get right the new system before we launch it, because nothing [would be] worse … [than] if people lose confidence in it from the outset,” Nik Adams told a parliamentary committee earlier this year.

The new service will provide a “dramatic change in the interface between the public and how they supply information,” Adams said, responding to a question from Recorded Future News.

“It will be easier for people to upload [additional] information [to their reports, including] metadata that might be attached to emails and communications that they’ve received, as well as screenshots and other images.

“And the strength of the tool that will sit behind the new Action Fraud service will be much more efficient at analyzing that [data], finding the links and connections between things and drawing out the intelligence value,” he said.

Jonathan Frost, a fraud and cybercrime consultant who worked at the City of London Police’s national fraud intelligence bureau for more than a decade, said that centralizing fraud reporting was “fundamentally the right model.”

Frost argued the service had “historically suffered from underfunding,” although he acknowledged “that does not justify nor explain the continued poor outcomes.”

“To date the service has been unable to produce a comprehensive intelligence picture due to the absence of a properly formulated intelligence collection plan. Until that is addressed and it is recognised that the cyber element of most fraud crimes is the key requirement, it is likely that the system as a whole will continue to focus on the consequences of fraud (money laundering) rather than the causes of it,” Frost said.

The new system will also keep the public informed about their cases, allowing them to monitor what’s happening with their individual crime reports and providing feedback about whether the material they’ve provided has an intelligence value or is being focused on with an ongoing investigation.

Nik Adams said that encouraging people to report was critical. He said the force was “nervous about, later this year with the advent of the Payment Services Regulator’s requirements on all banks to reimburse victims, that the victim focus will be on reporting to their bank. … I worry that we will see a reduction in people coming forward reporting to Action Fraud.”

Ensuring that victims report is a priority behind the design of the new project, said Adams. Users will receive feedback, even if it takes several years, about whether the information they have shared has been connected to a larger investigation. “There’s real value in us being able to demonstrate the importance of reporting and the impact that people can have,” he said.

The new service will be rebranded, although a name is yet to be selected. It is currently known as the Fraud and Cyber Crime Reporting and Analysis System (FCCRAS) by officials.

According to the City of London Police’s latest budget — issued before the £1m contract was awarded to TORI and when the project was expected to be completed this year — the total estimated total cost for FCCRAS was just over £31 million ($39 million) with an overspend of just £52,000 ($66,000). More recent figures are unavailable.

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