Article: Focus on fraud: internal controls, audit policies--and a tough stance--can help deter fraud.(FRAUD PREVENTION)

Consumer fraud in California amounted to $53 million in 2004, according to the Federal Trade Commission. To stop fraud in its tracks, it's necessary to understand the four general elements that must occur to establish fraud:

* A misrepresentation of material facts;

* Knowledge of the falsity of the representations made with the intent to deceive;

* Reliance by the victim upon the misrepresented facts; and

* Actual injury resulting from the misrepresentation.

Typically, fraud occurs in the shadows. While a bank robber steals with a gun in front of employees and customers, the person who steals by committing fraud generally goes ...

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