This guide covers consumer fraud and financial exploitation from the first hour after a loss through civil recovery years later. Part 1 explains the distinction between unauthorized and authorized-but-induced transfers, which governs every remedy. Parts 2 and 3 set out the payment-method hierarchy and the statutory error resolution procedures. Part 4 covers the first hour. Part 5 covers identity theft and the credit reporting toolkit. Part 6 covers elder financial exploitation, including undue influence and the Medicaid consequence that arrives years later. Part 7 covers the regulatory backdrop. Part 8 covers civil claims and which ones are actually worth bringing. Parts 9 through 12 cover the criminal statutes, institutional liability, business email compromise, and prevention.