POLICY EXPRESS · PE-SB-191 · Security Bureau
Combating Scams: From Blocking to Recovery
Deception cases fell in 2025 for the first time since 2019, but online investment fraud is taking a larger share of losses and no one reports money returned.
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2 pages · English and 繁體中文 · Built on the 1134211 Framework · Facts as at 25 October 2026
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The tension and our thesis
The tension
Hong Kong has become good at blocking calls, links and numbers, yet the scams now costing most are those the victim authorises, and the system measures what it stops, not what it recovers.
Our thesis
Measure recovery, add friction at the point of payment, close the mule and SIM gaps, and consult on shared liability only if recovery stays low.
Three policy problems this brief examines
- 01Losses are moving to authorised payments
- 02Recovery and liability are unmeasured
- 03The elderly and the mule layer pay most
Each problem is developed in three layers: the fact, why it persists, and the consequence for the system.
Three options compared
A · Shared liability: banks and platforms compensate victims.
B · Enforce harder: more blocking, alerts and arrests.
C · Friction at payment: delay and confirm risky transfers, with data sharing.
The scored comparison, the justified recommendation with its phased measures, the implementation challenges, the stakeholder assessment and the success metrics are in the full brief.
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Both pages, in English and Traditional Chinese: the introduction and background, key figures, the three policy problems, the scored options, the recommendation with its phased measures, the implementation challenges, the stakeholder assessment and the conclusion.
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Facts and figures are checked against primary sources where we could retrieve them. † marks press-only figures. (J) marks IRB judgements. Facts as at 25 Oct 2026.
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