Last November, Mayo Clinic neurologist Mary Zupanc learned strangers had secretly mailed a change of address form to her post office. Armed with nothing more than a forged signature, the strangers gained control of Ms. Zupanc's bank accounts, creating another victim of a new type of financial crime - "account takeover."

First uncovered in 1994, account takeover is among several new types of financial fraud plaguing the consumer finance industry. Because criminals are rapidly adapting to the financial industry's technological advances, lawmakers are mulling new legislation that could help crime fighters keep pace.

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