Someone has been scammed and has already contacted their bank. They are not sure whether to report it further or tell anyone about what happened. What does this module recommend, and why?

Both reporting and sharing matter, for different reasons. The FTC report enters a database used by thousands of law enforcement agencies to identify patterns and build cases. The FBI IC3 report can support criminal investigations. Neither agency can guarantee a personal outcome, but both contribute to a bigger picture that has led to real enforcement actions and returned funds to victims. Sharing your experience with people you trust serves a different purpose: it removes the shame that keeps people silent and may be the most direct warning someone close to you ever receives. The E in PAUSE captures this: experience matters, and passing it on protects others.