Independent field guide


U.S. fraud reward programs, in the government’s own words.

What the Justice Department, the SEC, the CFTC, the IRS, and FinCEN have published about awards, who may qualify, and where an official report goes. Every figure on this site is tied to a primary source.

Edition reviewed October 21, 2026. Not legal advice. Not a government site.

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Tracker

Reward programs

Seven program pages, from the October 2026 DOJ tip reward to qui tam, SEC, CFTC, IRS, FinCEN, and state statutes.

Guides

Fraud types

Hospice, home health, day care, SNAP, unemployment, student aid, PPP, and VA benefits, from public cases.

Quiz

Match a tip

A short client-side quiz. It suggests pages. It does not collect a narrative.

Record

News and payouts

Summaries of government releases on awards, charges, pleas, sentences, and settlements.

Programs

U.S. Department of Justice, National Fraud Enforcement Division

Fraud Whistleblower Incentive Program (WHIP)

$10,000 to $30,000, if the Department decides to pay

Last updated October 21, 2026

An early-stage Justice Department reward of $10,000 to $30,000 for specified fraud tips, paid only in the Department’s discretion after criminal charges are unsealed.

Read the sources

U.S. Department of Justice, Civil Division

False Claims Act qui tam

15% to 25% if the government proceeds; 25% to 30% if it does not

Last updated October 21, 2026

A civil statute that lets a private person sue in the government’s name over false claims for federal money, and share in a recovery if the suit succeeds.

Read the sources

U.S. Securities and Exchange Commission, Office of the Whistleblower

SEC Whistleblower Program

10% to 30% of sanctions collected, if sanctions exceed $1 million

Last updated October 21, 2026

Awards of 10% to 30% of monetary sanctions collected when an SEC enforcement action orders more than $1 million and the whistleblower’s information leads to that action.

Read the sources

U.S. Commodity Futures Trading Commission

CFTC Whistleblower Program

10% to 30% when sanctions collected exceed $1 million

Last updated October 21, 2026

Awards of 10% to 30% of monetary sanctions collected when original information leads to a successful CFTC action, or a related action, with sanctions over $1 million.

Read the sources

Internal Revenue Service, Whistleblower Office

IRS Whistleblower Office

Generally 15% to 30% of proceeds collected

Last updated October 21, 2026

The IRS pays awards from proceeds it collects because of a whistleblower’s information. Mandatory awards under section 7623(b) have dollar and income thresholds. Smaller matters are discretionary.

Read the sources

Financial Crimes Enforcement Network, U.S. Department of the Treasury

FinCEN AML and sanctions whistleblower program

Statute: 10% to 30% if sanctions exceed $1 million. Payment waits on a final rule.

Last updated October 21, 2026

A Treasury program for information about Bank Secrecy Act, IEEPA, Trading With the Enemy Act, and Kingpin Act violations. FinCEN says it will pay awards after its regulation is final.

Read the sources

State attorneys general and state legislatures

State false claims acts

Set by each state statute. Not listed here.

Last updated October 21, 2026

Some states let a private person sue in the state’s name over false claims for state money. Shares, covered programs, and procedures are in each statute. They are not copied here unless verified.

Read the sources

Guides

Guide

Hospice fraud

Public cases describe Medicare payments for patients who were not terminally ill, and for crisis-level care that was not needed or not provided.

Last updated October 21, 2026

Guide

Home health fraud

The Intrepid settlement describes allegations of Medicare claims for patients who did not qualify, for care that was not necessary, and for services that were not performed.

Last updated October 21, 2026

Guide

Day care and child care fraud

Prosecutors have alleged that licensed home day cares billed subsidized child care programs for days and hours when children were not there.

Last updated October 21, 2026

Guide

SNAP fraud

The Justice Department has described SNAP fraud as a covered example in its early tip reward, and it has prosecuted false household reports used to obtain benefits.

Last updated October 21, 2026

Guide

Unemployment insurance fraud

Prosecutors have described fictitious employers, stolen identities, and thousands of false unemployment claims filed with a state labor department.

Last updated October 21, 2026

Guide

Federal student aid fraud

A North Carolina case describes stolen or borrowed identities, fake enrollment, and FAFSA forms used to draw federal student aid.

Last updated October 21, 2026

Guide

PPP and SBA loan fraud

Public PPP cases describe inflated payroll, fake tax forms, and loans guaranteed by the Small Business Administration that were used for personal spending.

Last updated October 21, 2026

Guide

VA benefits fraud

A public plea describes forged employment letters and false certifications used to obtain Department of Veterans Affairs tuition payments.

Last updated October 21, 2026

Recent from the public record

How to read this site

Methodology

Claims stay in only when a government page states them. Unverified award tables are left out.

How qui tam works

The sealed civil lawsuit, and how it differs from the 2026 criminal tip reward.

Anonymity

What each program actually says about names, lawyers, and disclosure.

Retaliation rules

The employment protections the statutes and agency pages describe.