19,20 and 21

19. Per the Fraud Examiners Manual, what is a tax identity theft? A. occurs when a fraudster uses another person's taxes to sell online. B. occurs when a fraudster uses another person's identity to file a tax return and obtain a refund from the government. C. occurs when a fraudster steal someone's taxes. D. None of the above is tax identity theft. 20. Per the Fraud Examiners Manual, what is a negative impact that victims of criminal identity theft might face? A. Victims suffer financial stress. B. Victims may not experience similar emotional effects as victims of violent crimes, ranging from anxiety to emotional volatility. C. Victims might be terminated or not hired for jobs in which criminal background checks are required. D. Victims do not face a negative impact of criminal identity theft. 21. Per the Fraud Examiners Manual, where do identity thieves usually obtain personal information from? A. from a bank. B. from a membership club. C. from improperly discarded computers, media drives, copiers, printers, mobile phones, and other devices. D. from a school's computer system