I agree that you won't find forged PDF documents in the wild with any type of frequency, but they are forged in private settings. Forged or doctored bank statements are relatively more common. FinCEN identifies altered bank statements alongside W-2s, tax returns, gift letters, and employment information as examples of documents involved in mortgage fraud [1]. In March 2026, a mortgage loan officer was even charged by federal prosecutors with altering and creating bank statements to make borrowers appear qualified for a mortgage [2].
I can't find the quote any more, but when some internal bank workers were done for laundering money (possibly the Estonian branch of Danske Bank), one of the messages between the defendants read "There's always photoshop" :)
I saw it alot in the fake KYC world, phantom commodities trades
and all those things listed wouldn’t be prosecuted, as long as you don’t touch mortgages
I would say KYC in general is a joke and nobody cares, as long as FinCEN and the DOJ believe KYC is working. But as far as the peddling of forged PDF’s go, very common, just not at the point of where the more damaging crime occurs ….. except in mortgage fraud, where that crime explicitly considers the fake employment letter to be the crime
Sure, you can also have iOS binaries forward relevant iOS SDK symbols to macOS. That doesn’t mean they’re not different SDKs with different limitations, and not everything that is on the store can be patched to run in the simulator because there are legitimately symbols missing or with stubbed functionality.
I built apps like these on GOV.UK over 10 years ago for the Ministry of Justice. We built our own form wizard library that let us validate long forms in steps and break them out into multiple pages because Ruby on Rails didn't support doing that out of the box. It was a very important principle back then that everyone should be able to make use of these digital services regardless of whatever users were using to access them.
I've always liked basic HTML pages where one can upload a document without having to restart the entire application. That's a great practice you have there with general forms. With each session ID, it can cross reference a page in a multi page application with that session ID, so that the user can maybe type it in if necessary, but it should be able to determine that with enough information, like IP address, upload date, browser, OS and so on. But the most accurate session would be within the browser so that the cookies for a single application aren't mixed up with another applicant, like a relative, who might be using the Playstation Portable.
How can pay ostensibly be lagging behind big tech at Rockstar, yet GTA 6 allegedly has a budget of $3B? Granted not all of it will be allocated to development cost, but still.
I'm surprised YC funded this — not because it's a bad idea, because it isn't. But because surely one of the first questions was: what happens when Apple decides to shut it down?
> Before that fact causes you to lose sympathy for the case, note that almost every significant criminal case affirming constitutional rights involves a defendant who did something unsavory, if not reprehensible.
Not always. Often times prosecutors pick cases with bad fact patterns to be test cases when they want to attack a right. A recent example is Biden DoJ choosing to take US v Rahimi to SCOTUS in an attempt to wheel back the NYSRPA v Bruen decision.
Speaking of the forefront the UK has had interbank realtime payments (Faster Payment) since 2008. It also used to have something like Pix, i.e. bank account referenced by user's phone number called Paym from 2014, until it was discontinued due to lack of demand in 2023. Faster Payments is still operational.
The problem with almost all call centers is that their "agents" aren't given any agency. They can attempt to convince you that your bill is actually correct, or escalade our issue to technical support, which may or may not get back to you. I don't see how any amount of AI will fix the complete lack of trust that many companies seems to have in their agents, regardless of them being software or humans.
Most modern call centers / support is completely pointless and almost nothing would be lost by not having them. This is assuming that you'd provide just a half decent self service and have actual information available, written in a clear, easy to read, language.
[1] https://www.fincen.gov/mortgage-loan-fraud
[2] https://www.justice.gov/usao-mdfl/pr/licensed-mortgage-loan-...
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