Dave Farber's interesting people list has a post by a former bank credit card officer explaining why banks don't get as excited about fraud as customers do. http://www.interesting-people.org/archives/interesting-people/200405/msg0004... Many of the statements apply to anyone who deals with malicious behavior on a regular basis. The police officer may not appear to care as much about your car being stolen as you do, the ISP abuse department may not appear to care as much about the port scan as you do, the bank may not appear to care as much about the merchant who doesn't check the card signature as you do, etc. But he is correct; banks, as well as police, ISPs or any other fraud investigation group, do care about fraud and abuse; just not as much about the scam du jour.