Consumers are increasingly using digital payment apps -- Venmo, Cash App and Zelle are a few -- fconvenience. A 2020 Nerdwallet survey found that “[r]oughly 4 in 5 Americans (79%) use mobilepayment apps.1” The apps were originally marketed as a way for friends to split expenses. However, the ease of opening peer-to-peer (P2P) accounts,2 the ease of obtaining information about other users and a variety of ways to trick consumers have created new fraud risks to users