Commentary
COMMENTARY: Reparations NOW! Are Blacks Close to Finally Getting Their “40 Acres and a Mule”?
HOUSTON FORWARD TIMES — it comes to the concept of granting “reparations” to Black people as a form of restitution for the years that Blacks spent subjected to the barbaric institution of slavery in America, it has seemingly been overlooked and ignored by the majority of legislators that have come and gone in the U.S. Congress. Even former U.S. Congressman John Conyers Jr. (D-MI) once proposed to create a Commission to study how to appropriately compensate the descendants of slaves for decades, with those conversations falling on deaf ears.
By Jeffrey L. Boney
it comes to the concept of granting “reparations” to Black people as a form of restitution for the years that Blacks spent subjected to the barbaric institution of slavery in America, it has seemingly been overlooked and ignored by the majority of legislators that have come and gone in the U.S. Congress. Even former U.S. Congressman John Conyers Jr. (D-MI) once proposed to create a Commission to study how to appropriately compensate the descendants of slaves for decades, with those conversations falling on deaf ears.
Blacks have been trying to equal the economic and societal playing fields in this country for some time. Many Blacks have heard and even used the phrase – “40 acres and a mule” – which was a guarantee made to formerly enslaved people of African descent that was the first attempt at seeking to provide some form of reparations to Blacks who had been enslaved.
Of course, history shows us that the decision makers who talked about implementing the idea of providing reparations to those people of African descent, who were previously enslaved, reneged on their promise, leaving Blacks to work harder and longer to achieve success than those who had enslaved them to begin with. This has proved to be extremely challenging for Blacks.
U.S. Congresswoman Sheila Jackson Lee (D-TX) is hoping that a bill she is now championing, in the spirit of former Rep. Conyers, gets the type of support and traction needed to help African Americans finally receive the guarantee once promised to them back in the late 1800s.
Congresswoman Jackson Lee recently announced the introduction of H.R. 40, the Commission to Study and Develop Reparations Proposals for African Americans Act. This piece of legislation would create a Commission aimed at studying the impact of slavery and continuing discrimination against African Americans, resulting directly and indirectly from slavery to segregation to the desegregation process and the present day. The Commission would also make recommendations concerning any form of apology and compensation to begin the long delayed process of atonement for slavery.
“The impact of slavery and its vestiges continues to affect African Americans and indeed all Americans in communities throughout our nation, which is why I am pleased to introduce H.R. 40,” said Congresswoman Lee. “This legislation is intended to examine the institution of slavery in the colonies and the United States from 1619 to the present, and further recommend appropriate remedies.”
Congresswoman Jackson Lee states that since the initial introduction of this legislation, its proponents have made substantial progress in elevating the discussion of reparations and reparatory justice at the national level and joining the mainstream international debate on the issues. She went on to state that some people have tried to deflect the importance of these conversations by focusing on individual monetary compensation, but the real issue is whether and how this nation can come to grips with the legacy of slavery that still infects current society.
According to the bill, the Commission shall be composed of 13 members, who shall be appointed, within 90 days after the date of enactment of this Act, as follows:
• Three members shall be appointed by the President.
• Three members shall be appointed by the Speaker of the House of Representatives.
• One member shall be appointed by the President pro tempore of the Senate.
• Six members shall be selected from the major civil society and reparations organizations that have historically championed the cause of reparatory justice.
In short, the Commission would be tasked with studying the impact of slavery and the continuing discrimination against African Americans, which has come as a direct and indirect result of slavery, as well as from segregation and other present day factors. According to the bill, the Commission would also make recommendations concerning any form of apology and compensation to begin the long delayed process of atonement for slavery.
Congresswoman Jackson Lee believes that through legislation, resolutions, news, and litigation, Congress is moving closer to making more strides in the movement toward reparations.
The U.S. has a history of and has set a precedent for providing reparations to several groups, including Japanese Americans and victims of the Jewish Holocaust, who have suffered their own respective challenges as a group.
People of African descent were enslaved and experienced some of the worst ordeals imaginable through the barbaric institution of slavery and should be looked at no different than any other group, in that they have experienced their own set of unique challenges and issues.
From a historical perspective, approximately 4,000,000 Africans and their descendants were enslaved in the United States and colonies that became the United States from 1619 to 1865. The institution of slavery was constitutionally and statutorily sanctioned by the Government of the United States from 1789 through 1865. African Americans continue to suffer debilitating economic, educational, and health hardships, including but not limited to, having nearly 1,000,000 Black people incarcerated, an unemployment rate that is more than twice the current White unemployment rate, and an average of less than 1⁄16 of the wealth of White families, a disparity which has worsened, not improved over time.
While a focus has been made on highlighting the social effects of slavery and segregation, its continuing economic implications remain largely ignored by mainstream analysis. These economic issues are the root cause of many critical issues in the African American community today, such as education, healthcare and criminal justice policy, including policing practices. The call for reparations represents a commitment to entering a constructive dialogue on the role of slavery and racism in shaping present-day conditions in our community and American society.
Congresswoman Jackson Lee points out that despite the progress that has been made in this country, including the election of the first American President of African descent, the legacy of slavery still lingers heavily in this nation. She believes this bill, which seeks to establish a Commission to examine the moral and social implications of slavery, is both relevant and crucial to restoring trust in governmental institutions in many communities, especially during a time where there are many reoccurring issues that affect members of the African American communities in ways that they don’t affect other communities.
“Today there are more people at the table — more activists, more scholars, more CEO’s, more state and local officials, and more Members of Congress,” said Congresswoman Jackson Lee. “I believe that H.R. 40 is a crucial piece of legislation because it goes beyond exploring the economic implications of slavery and segregation. Though the times and circumstances may change, the principle problem of slavery continues to weigh heavily on this country. A federal commission can help us reach into this dark past and bring us into a brighter future.”
This article appeared in the Houston Forward Times.
Black Press
OP-ED: How Does Your State Rank for Pre-K?
BLACKPRESSUSA NEWSWIRE — “Other states should take note: Georgia proves that state-funded preschool with well-qualified teachers, pay parity with K-12, small classes, and strong continuous improvement systems can be scaled as a universal program,” said NIEER director Steve Barnett. “With new initiatives to support quality, Georgia can expect increased enrollment, but leaders should also actively promote increased enrollment.”
Georgia’s state-funded pre-k program for 4-year-olds was recently recognized as the largest state-funded preschool program in the nation to meet all 10 quality benchmarks, and the first universal program to do so. Georgia’s recognition is the top finding in the National Institute for Early Education Research’s new 2025 State of Preschool Yearbook. The yearbook provides an annual snapshot of state-funded preschool across the country. Forty-four states and the District of Columbia fund preschool programs.
Only five additional states meet all 10 of NIEER’s research-based benchmarks for quality —Alabama, Hawaii, Michigan, Mississippi, and Rhode Island—in this year’s report. None of those programs have the reach of Georgia Pre-K. NIEER’s benchmarks measure essential preschool quality indicators, including teacher qualifications, class sizes, early learning standards, and program assessments.
“Other states should take note: Georgia proves that state-funded preschool with well-qualified teachers, pay parity with K-12, small classes, and strong continuous improvement systems can be scaled as a universal program,” said NIEER director Steve Barnett. “With new initiatives to support quality, Georgia can expect increased enrollment, but leaders should also actively promote increased enrollment.”
Nationally, state support for preschool education hit record highs in enrollment and funding in 2024-2025. The pace of growth slowed, however, compared to the prior year, and many states continue to lag behind pre-pandemic enrollment levels. Preschool enrollment increased by 44,000 children nationally, reaching almost 1.8 million, including 37% of U.S. four-year-olds and 9% of three-year-olds. California, Colorado, Michigan, Minnesota, and Missouri contributed the most to increased enrollment, adding more than 52,000 new seats.
States spent nearly $14.4 billion on preschool in 2024-2025. Including federal and local dollars, total spending was almost $17.7 billion. Three states each spent more than $1 billion last year: California ($4.1 billion), New Jersey ($1.2 billion), and New York ($1 billion). Together, these three states account for 45% of all state preschool spending. Texas adds almost another $1 billion.
Spending increased by $434 million, or 3%, adjusted for inflation. Twenty-eight states increased preschool funding, including Michigan and New Jersey, which each added more than $100 million. “Not only does preschool access vary by which state a child happens to live in, but so does the quality of that preschool experience,” said Allison Friedman-Krauss, lead author of the report. “Only high-quality early care and education programs support children’s development enough to result in lasting academic and other gains that ultimately deliver savings for taxpayers.”
A record six states met all 10 of NIEER’s recommended quality standards, with Alabama doing so for the 20th consecutive year. Georgia joined this list this year after improving its teacher-to-child ratio from 1:11 to 1:10 and lowering maximum class sizes to 20. Several states met 9 of 10 benchmarks, including New Mexico, which is working toward universal access for both three- and four-year-olds. Once New Mexico requires all lead teachers to have a bachelor’s degree in early childhood education, it will be on par with Georgia in terms of both quality and quantity.
Not all states moved forward. Twenty states enrolled fewer preschoolers in 2024-2025 than the prior year, with enrollment dropping by more than 1,000 children in Arizona, Florida, New York, Ohio, Oklahoma, and Wisconsin. Seventeen states spent less on preschool than the prior year, adjusted for inflation, with Arizona, North Carolina, Oregon, and Texas seeing the largest percentage declines. Additional information about the State of Preschool Yearbook, including individual state profiles and maps, graphs, and state rankings, can be found at www.nieer.org.
Black Press
Port of Oakland, Army Corps Sign Historic Harbor Design Agreement
OAKLAND POST — Oakland Port Commission President Stephanie Dominguez Walton called the agreement a historic milestone that will support thousands of jobs. “Today marks a historic occasion for the Port as we sign the inaugural Design Agreement for the Turning Basin Widening Project, which will keep Oakland competitive,” said Walton.
A $642 million project designed to accommodate larger cargo ships and strengthen the Port of Oakland’s position as a major Pacific trade gateway moved a significant step closer to construction on Aug. 27.
The U.S. Army Corps of Engineers (USACE) San Francisco District and the Port of Oakland commemorated the signing of the inaugural Design Agreement for the Oakland Harbor Turning Basins Widening Projectduring a ceremony aboard the USS Potomac, the presidential yacht once used by President Franklin D. Roosevelt.
The project will widen the Port’s Inner and Outer Harbor turning basins, allowing today’s increasingly larger and longer vessels more space to safely maneuver and turn around. The current basins are narrow, creating delays and operational inefficiencies.
Oakland Port Commission President Stephanie Dominguez Walton called the agreement a historic milestone that will support thousands of jobs.
“Today marks a historic occasion for the Port as we sign the inaugural Design Agreement for the Turning Basin Widening Project, which will keep Oakland competitive,” said Walton.
The agreement advances the project into its preconstruction engineering and design phase following years of planning and collaboration.
Lt. Col. Virginia Brickner, commander of the USACE San Francisco District, said the signing represented tangible progress toward construction.
“We are moving forward. We are showing progress,” Brickner said.
Major General Jason Kelly, USACE Deputy Commanding General for Civil and Emergency Operations, said dredging is critical for maritime dominance, supply chains, and economic competitiveness.
“Dredging sustains our national economic infrastructure,” he said. “The future demands more, the taxpayer deserves more, and together we’re going to deliver.”
For U.S. Representative Congresswoman Lateefah Simon (D-CA-12), the Port project will support jobs beyond its completion. “This will impact workers and businesses, and every shipping container represents multiple jobs.”
Oakland Mayor Barbara Lee described Oakland as a gateway to international markets and spoke on earlier efforts to deepen Oakland’s shipping channel to 50 feet. While serving in the California Legislature, Lee helped bring together labor, business, environmental advocates and Port officials to resolve disputes surrounding dredging and environmental protections.
“We want the Port to remain competitive economically,” Lee said, excited about both protecting the environment and generating sustainable jobs in the region. “We want to make sure that we create good-paying union jobs, and that the Port continues to not just survive, but thrive.”
Port of Oakland Executive Director Kristi McKenney said economic growth is dependent on investments in the Oakland Harbor’s infrastructure.
“This investment and staying competitive will fuel our economy for years to come,” said McKenney.
The Port of Oakland, with its partners, supports more than 98,000 regional jobs and $174 billion in annual economic activity. The Port oversees the Oakland Seaport, the Oakland San Francisco Bay Airport (OAK), and nearly 20 miles of waterfront, including Jack London Square.
Black History
Nuna Phillips-McKee Celebrates 100 Years: ‘A Century of Faith, Family and God’s Amazing Grace!’
OAKLAND POST — Nuna’s life has been one of Christian service. A longtime member of Wings of Love Maranatha Ministries, now Incredible Church, she serves as director of Community Services and is actively involved in the church’s Food Ministries.
Nuna Phillips-McKee will reach an extraordinary milestone on Sept. 24 —her 100th
birthday, marking a century filled with faith, family, service, laughter and the amazing grace of God.
Born Sept. 14, 1926, in Oakland, Nuna has witnessed a world of change during her lifetime, yet the values that have guided her remain constant: a deep faith in God, devotion to family, a strong work ethic and a heart for serving others.
She enjoyed a distinguished career as a civil servant for more than 40 years, demonstrating the dedication, dependability and strength that have characterized so much of her life.
Nuna’s life has been one of Christian service. A longtime member of Wings of Love Maranatha Ministries, now Incredible Church, she serves as director of Community Services and is actively involved in the church’s Food Ministries.
Through the years, she has continued to help meet the needs of others—not merely with food, but with kindness, compassion and a genuine desire to serve. Her ministry reflects a simple principle by which she lives: when God blesses you, you bless others.
Nuna is the proud mother of one son, whose memory she carries in her heart, and the beloved grandmother of three grandchildren, as well as six great-grandchildren and one great-great-grandchild.
At 100, she has the rare blessing of seeing several generations of her family carrying forward a legacy that began long ago.
She remains the loving, intelligent, witty, and, when the occasion calls for it, delightfully sassy Nuna that her family and friends know so well. Her contagious laugh, quick wit and youthful spirit have endeared her to generations of relatives, church members and friends.
Nuna was born into the large and loving Phillips family of seven sisters and one brother, with bonds that formed in childhood and have remained precious throughout the decades. Their shared love, faith, and family traditions have continued to be a source of joy, strength and countless treasured memories.
As family and friends gather for this special occasion, they will celebrate far more than a number. They will celebrate 100 years of prayers prayed and answered; 100 years of lessons learned and wisdom shared; 100 years of family, faith, laughter and love; 100 years of serving God and serving others.
Most of all, they will celebrate a life that stands as a testimony to God’s faithfulness through every season.
Nuna’s century-long journey can be summed up in the words chosen to commemorate this remarkable occasion: “100 years of God’s amazing grace.”
Black Press
OPINION: AI Needs to Know Who Is the Boss
OAKLAND POST — AI is software running on computers. However startling the conversation may feel, the machine does not have my childhood, my mother, my father, my mistakes, my embarrassments, my loves, my grudges, my Filipino American history, my aging body or my accumulated sense of what matters and what doesn’t.
I hope on Labor Day you honored the value of a good day’s work–and reflected on the thing that could eliminate a lot of jobs.
Artificial intelligence.
Your replacement is in the break room.
Except it doesn’t take breaks.
It doesn’t sleep. It doesn’t demand health insurance. It doesn’t complain. It doesn’t need Social Security. And it can produce in seconds what might take you or me hours.
And when they can mass-produce AI faster than we can reproduce humans, there may eventually be more artificial workers than actual ones.
The racists who came up with “replacement theory” worried about the wrong replacements.
It wasn’t immigrants.
It was software.
We can rail against the data centers sucking up electricity and water.
Rail against the billionaires getting richer while telling the rest of us how wonderful the future will be.
But which billionaire?
Jensen Huang of Nvidia? He literally has all the chips?
Sam Altman of OpenAI?
Dario Amodei at Anthropic?
Or Bill Gates?
Gates recently said AI could become the “greatest equalizer ever invented” or the “worst source of injustice.”
I want to believe him. But he’s the guy who forced us all to use Explorer.
Maybe Gates is just Control-Z-ing his life.
Undo. Undo. Undo.
STAYING HUMAN
The other day, I started texting with my AI chatbot.
I’d used AI before, of course. Spellcheck. Grammar. Transcription. Research assistance. The mechanical stuff.
This time, we talked.
Or, rather, I started talking.
At one point the chatbot said something that sounded strangely personal. So, I reminded it that IT wasn’t a person.
“You’re not human,” I said. “I’m basically talking to myself.”
It disagreed.
It said, I should think of it as working with an instrument that talks back.
This is where the danger begins.
The machine talks back.
I tried another analogy.
You’re a tool, I said. Like a cane.
The chatbot liked that better.
Then it tagged my line and said it was my “cognitive cane.”
I laughed.
Then, I realized the damn machine used my analogy to make a joke.
That’s where the real problem lurks.
AI is software running on computers. However startling the conversation may feel, the machine does not have my childhood, my mother, my father, my mistakes, my embarrassments, my loves, my grudges, my Filipino American history, my aging body or my accumulated sense of what matters and what doesn’t.
It can process those things after I tell it about them.
It can mimic thoughts.
But it did not live them.
That is the boundary we humans cannot surrender.
I’m not ready to make peace with the AI industry. Not with its enormous data centers, its environmental costs, its concentration of wealth and power, or the possibility that companies will use AI primarily as a wonderfully efficient machine for converting human paychecks into corporate profits.
And I certainly don’t trust the billionaires to decide by themselves what happens to the rest of us.
But I may be making peace with the tool.
Because a tool is something we use.
A cognitive cane.
But do the walking yourself.
About the Author
Emil Guillermo is an award-winning journalist, commentator, and comic monologist. He plays a robot in an upcoming Ishmael Reed play, “King Ludd’s Revenge,” coming in December. See his micro-talk show on YouTube.com/@emilamok1
Black Press
Goldi-Locs and Two (or Three) Bears in the Forest in California Hills
OAKLAND POST — My husband has anticipated 99% of our needs – tents, saws, canopies, batteries, shovels, rakes, axes, picks, etc., and Goldi-Locs instructs and reminds us how to get from step A to B, but there is nothing like the experience you gain on your own. Meaning: you don’t how to do it until you do it. No matter what you read, what somebody says, until you do it, you don’t know.
It is my belief that the mice set us up. That’s how the bear(s) knew where to go.
On a mountain in Butte County, a wide-ranging crew of Black people have embarked on a mission of land stewardship.
That means if you want that country cottage, you have to build it yourself.
When we first saw the land after our veteran land steward – let’s call her Goldi-Locs for her long locs that are the gold of California hills – asked for help putting up a fence to ward off potential trespassers. What had been lavish green hills of Douglas fir were now covered with dark spires like burnt matches pushing into the sky.
Up close, moss and ferns edged out from the bases of blackened tree stumps. A lizard skittered by, the only sign of life. No birds. No squirrels. No mice.
And no bears.
Fast forward five years, and FEMA has done all it will do to clear burned trees. The remaining trees are dead and have to be logged and milled.
The most urgent work is to clear the dirt access roads clogged with dead trees. For shelter while we, I mean, they do that, we bought an old trailer that has seen better days but suits our needs.
My husband has anticipated 99% of our needs – tents, saws, canopies, batteries, shovels, rakes, axes, picks, etc., and Goldi-Locs instructs and reminds us how to get from step A to B, but there is nothing like the experience you gain on your own. Meaning: you don’t how to do it until you do it. No matter what you read, what somebody says, until you do it, you don’t know.
So, I thought I knew what I was doing. It was my job to assist with the cooking and set-up. And the break-down. There are cupboards in the trailer and a refrigerator, so I stored a couple of unopened boxes of spaghetti and an unopened bottle of olive oil, salt (Lawry’s of course), pepper, garlic powder and dried Italian herbs in the cupboard. In the refrigerator, which seals closed like any normal refrigerator I (accidently) left a box of butter.
Two weeks later, we get a call in Oakland from Goldi-Locs that the door of the trailer was hanging off its hinge, visible from her trailer uphill and 150 yards west of ours.
She said she would enlist the help of another (male) neighbor, to investigate.
An hour later, we got the report: No one was in the cabin, but a bear – or bears – had been. Outside, a torn box of spaghetti with just one or two remaining stiff strands lay in the dirt. Inside, the salt, pepper, herbs and garlic oil were an aromatic mess on the floor, while coffee grounds were scattered over the counter (After-dinner coffee?).
Paw prints led to the bathroom and beyond a single, muddy paw print marked the duvet on our bed.
Besides claw marks in the cupboard, and a swipe of dirt on the front and side of the refrigerator, there was no major damage.
Goldi-Locs and G. cleaned up the worst of it and were able to get the door up on the hinge and lock it. The trailer remained unmolested until our return.
In the meantime, some sleuthing – as Nancy Drew would put it – had been done. Visitors to the mountain confessed that they had previously prepared a vegetarian meal of – that’s right– pasta in a red sauce with sautéed garlic, onions, and Lawry’s and Italian herbs.
They ate outdoors. The scent filled the air. Mice have returned to the forest. They know how to get under, over and into trailers. Easy-peasy. They managed to get a little of the Italian meal. The bears wanted some. The mice shrugged their little shoulders and said, “we got everything but the crumbs, but over in the next yard, they have everything you need to MAKE IT YOURSELVES.”
So, it was Yogi, ‘smarter than the average bear, according to himself – and no doubt accompanied by Boo-Boo (the Fool), lumbered over to our unoccupied trailer and gently opened the door. The spaghetti in one cupboard, seasonings in the other, olive oil and look out- butter for bread in the refrigerator.
Yes, everything they needed. The whole recipe, or so the trifling mice said, having omitted fresh onion and bell pepper. The mice had left out the most important part – how to get the job done. Yogi had been given no information on pots, turning on the stove, boiling water, etc.
Disappointed, it was time for a nap, but the bed was neither hard, nor soft, but too small and as their cave was more comfortable, Yogi was of the mind to head home, maybe go fishing on the way in that nice stream up the hill.
Boo-Boo (the Fool), however, was of the mind to spitefully take do what bears do in the woods, but Yogi reminded him that, as it is their forest it is wise not to do that where you eat.
But when Yogi is not around, evidence shows that Boo-Boo routinely returns to the scene of the crime and leaves a little something in the middle of the path to the outhouse. Just because.
The mischievous mice have yet to be apprehended.
Black Press
Don’t Let scammers Crash Your School Year
OAKLAND POST — Buy from official and trusted retailers whenever possible, double check website URLs for misspellings or other red flags, and make sure the site uses https://. Be wary of deals that seem too good to be true as well. Avoid clicking links in unsolicited emails or text messages, including fake “missed delivery” notifications that often lead to fraudulent websites or malware.
Today’s students and young adults are true digital natives, having grown up online, learning to navigate digital spaces as a normal part of daily life. As they transition to college, they turn to digital platforms and social media for everything from apartment hunting and job searches to shopping, banking and talking with friends.
That familiarity, however, can create a false sense of security, making younger adults just as much of a target for fraud and scams as older individuals. According to the FBI’s Internet Crime Report, Americans ages 20–29 reported more than $500 million to internet-crime losses in 2025.
As scammers become more sophisticated, including using AI, students need to be more vigilant than ever about fraud and scams. Understanding the most common ones can help you avoid becoming a victim.
Common Scams Targeting Students
Online shopping and marketplace scams
Whether you’re furnishing a dorm, moving into an apartment or buying textbooks, online deals and secondhand marketplaces can help you save money while also creating more opportunities for scammers.
Buy from official and trusted retailers whenever possible, double check website URLs for misspellings or other red flags, and make sure the site uses https://. Be wary of deals that seem too good to be true as well. Avoid clicking links in unsolicited emails or text messages, including fake “missed delivery” notifications that often lead to fraudulent websites or malware.
Before making a purchase, read seller reviews and ratings. If you’re buying locally, meet in a safe public place and inspect the item before paying.
Job scams
As students return to school this fall, some may be looking for part-time jobs or internships. Scammers target students with fake jobs offering high salaries, flexible schedules or jobs you can do from your residence hall, apartment or home.
If you receive a job offer by text, email, or direct message – be cautious, especially if you never applied to work at that company. Always use well-known job boards and then apply directly through the company’s official website.
Also, if an employer asks you to pay upfront for training, equipment, background checks or application fees, it may be a sign of a scam. Legitimate companies will never charge you to get a job. They also won’t send you money and then ask you to return a portion of it.
Rental and housing scams
Scammers know student housing is in high demand. They’ll often post fake apartment listings or copy legitimate ones to trick potential renters into sending money for a deposit.
Rental prices that seem unusually low should raise a red flag. Use a reverse image search to see if photos of the property appear on a different website or in a different location. Research unfamiliar property managers or housing websites before sending money, and avoid paying deposits through wire transfers, gift cards or peer-to-peer payment apps.
Double check the address, read online reviews of the property management company and schedule a tour of the house or apartment before signing a lease or sending a deposit. That way, you’ll know the listing and location is real.
The influence of AI
Thanks to artificial intelligence, scammers can now create cloned voices and deepfake videos, along with fraudulent emails, text messages and even websites and apps that look real. These AI tools let scammers impersonate family members, employers, banks, law enforcement, delivery companies and trusted brands to get you to send money or share personal information.
How to protect yourself
No matter what type of scam you encounter, a few simple habits can go a long way toward reducing your risk:
- Limit the personal information you share online and make social media profiles private whenever possible. This can help reduce the information scammers can use to target you, guess your security questions or attempt to access your financial accounts.
- When you’re making a payment, use more protected methods, such as credit and debit cards, which generally offer stronger consumer protections than wire transfers, gift cards or peer-to-peer payment apps. Treat peer-to-peer payments, such as Zelle, like cash — once the money is sent, it’s often difficult to recover.
- Scammers can spoof phone numbers to make calls look like they’re coming from your bank, law enforcement or another trusted organization. Don’t automatically trust your caller ID – if you get a call demanding immediate action or claiming there’s a problem with your account, hang up and call back directly using a verified phone number. Banks will never call and ask you for account information, tell you to transfer money to ‘protect’ it or pressure you to act immediately.
- Don’t click links or download attachments from unexpected emails or text messages and avoid accessing your financial accounts or making online purchases on public Wi-Fi, where savvy cybercriminals can gain access to your login credentials.
- Perhaps most importantly, slow down. Back-to-school season brings a flurry of financial decisions and scammers know students are looking for deals. They often create a false sense of urgency to try to pressure people into making quick decisions. Taking a few extra minutes to verify information can make the difference.
The bottom line
Whether you’re shopping for school supplies, searching for a job or signing your first lease if you’re entering college, your status as a student can make you a prime target for scammers.
Stay skeptical of unsolicited offers, verify before you pay or share personal information, and slow down when something feels rushed. Those simple habits can help protect your money, your identity and your peace of mind throughout the school year from scams and fraud.
For more financial health tips, visit chase.com/scamproof.
For informational/educational purposes only: Views and strategies described in this article or provided via links may not be appropriate for everyone and are not intended as specific advice/recommendation for any business. Information has been obtained from sources believed to be reliable, but JPMorgan Chase & Co. or its affiliates and/or subsidiaries do not warrant its completeness or accuracy. The material is not intended to provide legal, tax, or financial advice or to indicate the availability or suitability of any JPMorgan Chase Bank, N.A. product or service. You should carefully consider your needs and objectives before making any decisions and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results. JPMorgan Chase & Co. and its affiliates are not responsible for, and do not provide or endorse third party products, services, or other content.
Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender.
© 2026 JPMorgan Chase & Co.
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