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The best thing you can do to protect yourself from this or any scam is to be skeptical, says Frank W. Banks and credit card companies are in the process of issuing customers new "chip" cards.

Abagnale, a former con artist who became a long time FBI consultant on scams and is now AARP's Fraud Watch Network Ambassador. "The data is protected in an integrated circuit [rather than a magnetic strip], and there's a dynamic code that resets after each use," explains Vernon Marshall, senior vice president and functional risk officer for American Express.

It's the first step in opening you up to many of the phone-based scams discussed in this article.

Your Plan If you haven't already done so, ask your phone company to put caller ID on your landline.

For many years, the Internet was the "final frontier," operating largely unregulated — in part because of the jurisdictional nightmare involved in trying to enforce laws when communications crossed not just state lines but also national boundaries. Legislation that affects the use of Internet-connected computers is springing up everywhere at the local, state and federal levels.

You might be violating one of them without even knowing.

"Often they'll target older adults, who they perceive as holding the majority of wealth in this country." This just might be the biggest consumer scam in the U. That's one American duped out of an average 4 nearly every 10 seconds.

Here's how the scam typically unfolds: You get an unsolicited call from someone claiming to be with Microsoft or Windows tech support, who says viruses have been detected on your computer.

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There are some exemptions, such as circumventing copy protection of programs that are in an obsolete format for the purpose of archiving or preservation. Prior to this act, copyright violations were generally treated as civil matters and could not be prosecuted criminally unless it was done for commercial purposes.

Also, don't click any links in unsolicited emails from "Microsoft" or in pop-up ads promising to speed up your computer.

"And if you haven't downloaded Windows 10 or the latest version of OS X, do it," says William Woodworth with Best Buy's Geek Squad.

In this article, we'll take a look at some of the existing laws and some of the pending legislation that can influence how we use our computers and the Internet.

Nothing in this article should be construed as legal advice; this is merely an overview of some of the legislation that's out there, how it has been interpreted by the courts (if applicable), and possible implications for computer users.

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