{"id":2932,"date":"2026-07-27T14:33:03","date_gmt":"2026-07-27T12:33:03","guid":{"rendered":"https:\/\/finanz-forensik.de\/?page_id=2932"},"modified":"2026-07-31T09:28:53","modified_gmt":"2026-07-31T07:28:53","slug":"liability-of-advertising-platforms-recovery-from-scams","status":"publish","type":"page","link":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/","title":{"rendered":"Liability of advertising platforms in recovery scams"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2932\" class=\"elementor elementor-2932\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-185df85e e-flex e-con-boxed e-con e-parent\" data-id=\"185df85e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-716dbd23 e-con-full e-flex e-con e-child\" data-id=\"716dbd23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-42e68d71 e-con-full e-flex e-con e-child\" data-id=\"42e68d71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2f6e6 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5f2f6e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f5ba5e eyebrow elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5f5ba5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Research Report No. 08 \u00b7 Law &amp; Platform Liability<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c898d7f elementor-widget elementor-widget-heading\" data-id=\"c898d7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Liability of digital advertising platforms in recovery scams<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-417a9fd6 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"417a9fd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"color: #cdddea; font-size: 19px; line-height: 1.6;\">When do Google Ads become a gateway for organized investment fraudsters? The categorization gap: legal framework, international comparison, economics, and a verification concept. 2nd, expanded edition.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c046a08 elementor-widget elementor-widget-html\" data-id=\"2c046a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:8px;max-width:560px;\"><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;\">10.500+<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">IC3 complaints about recovery scams, USA 2025<\/div><\/div><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;\">1.4 billion $<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">Reported recovery scam losses, USA 2025 (IC3)<\/div><\/div><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;\">27 %<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">of the reported fraud ads removed (BEUC\/vzbv)<\/div><\/div><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;\">7\u201316 billion $<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">Internal meta revenue from risk ads per annum (Reuters)<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50bc79a6 e-con-full e-flex e-con e-child\" data-id=\"50bc79a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60ce91e8 elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"60ce91e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/Whitepaper_Haftung-Werbeplattformen_Finanz-Forensik.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"><\/path><polyline points=\"7 10 12 15 17 10\"><\/polyline><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"><\/line><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Full white paper (PDF)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1735353c elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"1735353c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#summary\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24778e52 e-con-full e-flex e-con e-child\" data-id=\"24778e52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37c8de34 elementor-widget elementor-widget-image\" data-id=\"37c8de34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"960\" src=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-cover.jpg\" class=\"attachment-full size-full wp-image-2922\" alt=\"Close-up of a hand with a magnifying glass over a laptop keyboard, suggesting investigation or data analysis in warm lighting.\" srcset=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-cover.jpg 720w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-cover-225x300.jpg 225w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-cover-9x12.jpg 9w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c0a46c elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"4c0a46c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whitepaper 2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-204912a1 e-flex e-con-boxed e-con e-parent\" data-id=\"204912a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c20b071 e-con-full e-flex e-con e-child\" data-id=\"2c20b071\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-719d1744 e-con-full e-flex e-con e-child\" data-id=\"719d1744\" data-element_type=\"container\" data-e-type=\"container\" id=\"summary\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23cddeb5 elementor-widget elementor-widget-text-editor\" data-id=\"23cddeb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Management Summary<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b219e0a elementor-widget elementor-widget-html\" data-id=\"1b219e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul style=\"list-style:none;margin:0;padding:0;\"><li style=\"position:relative;padding-left:22px;margin:7px 0;font-size:16px;line-height:1.55;\"><span style=\"position:absolute;left:0;top:8px;width:8px;height:8px;background:#B0892F;border-radius:2px;display:block;\"><\/span><b>Categorization gap:<\/b> \u201e&quot;Asset recovery&quot; does not exist in the Google Ads policy as a separate, certification-required category \u2014 as can be seen from the wording of the policy.<\/li><li style=\"position:relative;padding-left:22px;margin:7px 0;font-size:16px;line-height:1.55;\"><span style=\"position:absolute;left:0;top:8px;width:8px;height:8px;background:#B0892F;border-radius:2px;display:block;\"><\/span><b>The second attack:<\/b> Victims who have suffered a loss often seek help themselves and encounter perpetrators again in paid advertisements.<\/li><li style=\"position:relative;padding-left:22px;margin:7px 0;font-size:16px;line-height:1.55;\"><span style=\"position:absolute;left:0;top:8px;width:8px;height:8px;background:#B0892F;border-radius:2px;display:block;\"><\/span><b>The legal framework is shifting:<\/b> DSA (Articles 6, 16, 22, 34\/35, 39) moves platforms from a reactive knowledge threshold to proactive system responsibility.<\/li><li style=\"position:relative;padding-left:22px;margin:7px 0;font-size:16px;line-height:1.55;\"><span style=\"position:absolute;left:0;top:8px;width:8px;height:8px;background:#B0892F;border-radius:2px;display:block;\"><\/span><b>Convergence:<\/b> The EU, UK (Online Safety Act\/Ofcom), USA (Section 230 Erosion) and Australia (ACCC) are all developing independently in the same direction.<\/li><li style=\"position:relative;padding-left:22px;margin:7px 0;font-size:16px;line-height:1.55;\"><span style=\"position:absolute;left:0;top:8px;width:8px;height:8px;background:#B0892F;border-radius:2px;display:block;\"><\/span><b>Proof of feasibility:<\/b> Google already verifies credit, debtor and crypto ads \u2014 the question is not feasibility, but will.<\/li><li style=\"position:relative;padding-left:22px;margin:7px 0;font-size:16px;line-height:1.55;\"><span style=\"position:absolute;left:0;top:8px;width:8px;height:8px;background:#B0892F;border-radius:2px;display:block;\"><\/span><b>Economic incentive problem:<\/b> Platforms earn money from every click, regardless of the legality of the advertised service.<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-536ce993 elementor-widget elementor-widget-html\" data-id=\"536ce993\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"background:#F7FAFC;border:1px solid #E5E7EB;border-top:3px solid #B0892F;border-radius:8px;padding:24px 26px;margin:8px 0;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#B0892F;margin-bottom:12px;\">Methodological note<\/div><p style=\"margin:0;font-size:15.5px;line-height:1.65;\">This white paper strictly distinguishes between externally collected, cited case law and study results (Chapters 3\u20136) and qualitative, anonymized observations from the forensic case work of finanz-forensik.de (Chapters 7.2 and 11). The latter explicitly do not constitute a representative sample or separate statistics. The case patterns presented in Chapter 2.2 are illustrative, anonymized composite scenarios without reference to actual individual case amounts.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5aa7b1 elementor-widget elementor-widget-heading\" data-id=\"6c5aa7b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">01<\/span> Introduction: The recovery scam as a second attack<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd02d7a elementor-widget elementor-widget-text-editor\" data-id=\"fd02d7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Recovery scams exploit a particularly vulnerable psychological point: the moment when a victim has already realized the loss of their investment and is actively seeking a way out. The US Commodity Futures Trading Commission (CFTC) describes this pattern as classic &quot;advance fee fraud&quot; and points out that recovery scammers specifically target those who have already been victims.<\/p><p>Unlike the original investment fraud, in recovery scams the initial contact often occurs through an active search by the victim themselves \u2014 and thus through a channel directly controlled by the advertising platform: paid search ads.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26a5403d elementor-widget elementor-widget-heading\" data-id=\"26a5403d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">02<\/span> Anatomy of an ad-based recovery scam<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cec6f2a elementor-widget elementor-widget-heading\" data-id=\"cec6f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.1 Typical process<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f312c9d elementor-widget elementor-widget-text-editor\" data-id=\"4f312c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the case studies observed by finanz-forensik.de, the ad-based recovery scam typically follows a recurring pattern:<\/p><ul><li><b>First loss:<\/b> The victim loses money through a fake trading platform and realizes the loss.<\/li><li><b>Active search:<\/b> The victim searches for terms like &quot;crypto fraud get money back&quot;.<\/li><li><b>Sponsored advertisement:<\/b> Among the search results appears a paid advertisement from a supposed wealth investigator.<\/li><li><b>Contact and prepayment:<\/b> After an initial consultation, an advance fee is charged for &quot;investigation&quot; or &quot;activation costs&quot;.<\/li><li><b>Second loss:<\/b> The promised repatriation never happened.<\/li><\/ul><p>The CFTC describes two complementary tactics: placing press articles about alleged \u201efraud recovery experts\u201c and selling recycled \u201evictim lists\u201c between groups of perpetrators \u2014 criminological research shows that the majority of fraud victims are victimized multiple times.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42b75e02 elementor-widget elementor-widget-heading\" data-id=\"42b75e02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.2 Illustrative Case Studies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20074c99 elementor-widget elementor-widget-text-editor\" data-id=\"20074c99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The following three scenarios are anonymized, illustrative composite representations of recurring patterns \u2014 not representations of real individual cases with real amounts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b9d051f elementor-widget elementor-widget-html\" data-id=\"5b9d051f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:8px 0;\"><div style=\"background:#fff;border:1px solid #E5E7EB;border-top:3px solid #2D9CDB;border-radius:8px;padding:20px 22px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:#2D9CDB;margin-bottom:10px;\">Example A \u00b7 Direct ad click<\/div><p style=\"margin:0;font-size:14.5px;line-height:1.6;\">The starting point is a previous cryptocurrency investment fraud. The victim specifically searches for ways to recover the money and clicks on a sponsored &quot;wealth investigator&quot; ad. After an initial consultation, an upfront fee is demanded; the money is never recovered, and contact is broken off.<\/p><\/div><div style=\"background:#fff;border:1px solid #E5E7EB;border-top:3px solid #2D9CDB;border-radius:8px;padding:20px 22px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:#2D9CDB;margin-bottom:10px;\">Pattern B \u00b7 \u201eFaked News\u201c variant<\/div><p style=\"margin:0;font-size:14.5px;line-height:1.6;\">Before contacting the advertiser, the victim comes across a seemingly editorial article about a &quot;successful asset investigator&quot;\u2014a pattern described by the CFTC via press distribution lists. The article increases the credibility of the advertisement. The subsequent process is the same as in Pattern A.<\/p><\/div><div style=\"background:#fff;border:1px solid #E5E7EB;border-top:3px solid #2D9CDB;border-radius:8px;padding:20px 22px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:#2D9CDB;margin-bottom:10px;\">Sample C \u00b7 Recycled contact details<\/div><p style=\"margin:0;font-size:14.5px;line-height:1.6;\">The victim had left contact information during an initial fraud attempt. Weeks later, they were contacted again, this time under the pretext of a &quot;successful investigation.&quot; The CFTC describes this as the sale of &quot;victim lists&quot; between criminal groups.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29da634e elementor-widget elementor-widget-heading\" data-id=\"29da634e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">03<\/span> The legal framework<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c463259 elementor-widget elementor-widget-heading\" data-id=\"5c463259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.1 Initial principle: Liability privilege for hosting providers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e98994 elementor-widget elementor-widget-text-editor\" data-id=\"45e98994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Both the E-Commerce Directive (Article 14) and the Data Protection Act (Article 6) grant privileges to providers who merely store or distribute third-party content: As long as there is no actual knowledge of the illegality and prompt action is taken after gaining such knowledge, the provider is generally not liable like a content provider of its own. In Germany, the Telemedia Act (TMG) initially implemented this privilege; it was replaced in 2024 by the Digital Services Act (DDG).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-102d9166 elementor-widget elementor-widget-heading\" data-id=\"102d9166\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.2 German case law: from liability as a disturber to the knowledge threshold<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-353af337 elementor-widget elementor-widget-text-editor\" data-id=\"353af337\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The German Federal Court of Justice (BGH) established the basic precedent in the Autocomplete ruling (May 14, 2013, Case No. VI ZR 269\/12): liability only arises once the infringement is known. The Higher Regional Court of Frankfurt (OLG Frankfurt) ruled in the AdWords case (February 27, 2020, Case No. 6 U 240\/19) that liability for interference primarily rests with the advertising customer\u2014as long as they do not play an active role. For recovery scam ads, this threshold is the decisive factor: as soon as a platform repeatedly receives reports of structurally similar ads, the defense of lack of knowledge becomes more difficult to defend.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef09e13 elementor-widget elementor-widget-heading\" data-id=\"6ef09e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.3 The Digital Services Act: from reaction to systemic responsibility<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2262a667 elementor-widget elementor-widget-text-editor\" data-id=\"2262a667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The DSA modifies the framework in two ways. First, Article 16 DSA specifies the &quot;notice and action&quot; procedure, and Article 22 DSA introduces a privileged reporting channel for trusted flaggers. Second, Articles 34 and 35 DSA require very large platforms and search engines (VLOP\/VLOSE, over 45 million monthly EU users) to conduct systemic risk assessments; Google Search and Google Ads meet these thresholds. Article 39 DSA requires advertising transparency in a public ad database. Violations of Articles 34 and 35 DSA can result in fines of up to 6 million euros of global annual turnover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d887a03 elementor-widget elementor-widget-heading\" data-id=\"6d887a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3.4 The ECJ&#039;s &quot;active role&quot; doctrine<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36d04a7c elementor-widget elementor-widget-text-editor\" data-id=\"36d04a7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In its case law (Google France\/Louis Vuitton, L&#039;Or\u00e9al\/eBay), the European Court of Justice (ECJ) has developed a criterion: the liability privilege no longer applies as soon as a provider assumes an &quot;active role&quot; that grants them knowledge or control. For Google Ads, this is not an academic question: ad ranking, algorithmic targeting, and quality-based bidding mechanisms are not simply neutral redirection, but rather an active editorial and commercial process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77de348e elementor-widget elementor-widget-heading\" data-id=\"77de348e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">04<\/span> International comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f11b88a elementor-widget elementor-widget-heading\" data-id=\"1f11b88a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.1 USA: Section 230 erosion and its magnitude<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f181eec elementor-widget elementor-widget-text-editor\" data-id=\"6f181eec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The US reporting agency IC3 registered more than 10,500 complaints about recovery scams in 2025, with total losses of approximately $1.4 billion. The FBI&#039;s Recovery Asset Team froze around $679 million in 3,900 incidents\u2014a success rate of 58%. The Ninth Circuit Court of Appeals ruled that Section 230 does not protect Meta from claims arising from breach of contract. A Reuters investigation, based on internal Meta documents, revealed roughly 15 billion &quot;higher risk&quot; ads per day, with an internal revenue target of $7 to $16 billion annually. These figures pertain to Meta, not Google, but they demonstrate that the structural economic incentive problem is real and well-documented.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bbbb57f elementor-widget elementor-widget-heading\" data-id=\"5bbbb57f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.2 United Kingdom: Binding supervisory obligation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18ca5016 elementor-widget elementor-widget-text-editor\" data-id=\"18ca5016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Online Safety Act 2023 introduces, for the first time, a legal obligation to protect against fraudulent advertising; Ofcom launched a consultation on nearly 40 measures of a &quot;Fraudulent Advertising Code of Practice&quot; on July 10, 2026. Violations can be punished with fines of up to \u00a318 million or 10\u00a2 of global revenue. The FCA already secured the withdrawal of more than 10,000 misleading financial advertisements in 2023\u2014this pressure prompted Google to implement its first financial advertising verification in 2021.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5afd43d8 elementor-widget elementor-widget-heading\" data-id=\"5afd43d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.3 Australia: ACCC vs. Meta<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37b58962 elementor-widget elementor-widget-text-editor\" data-id=\"37b58962\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The ACCC is pursuing legal action against Meta; its own investigations revealed that around 58 % of the reviewed, reported crypto ads violated platform policies or were fraudulent \u2014 a structural problem of the ad-based business model.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb42642 elementor-widget elementor-widget-heading\" data-id=\"eb42642\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">05<\/span> The complaints situation in the EU<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bbafe52 elementor-widget elementor-widget-heading\" data-id=\"1bbafe52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5.1 \u201eSponsored by Scammers\u201c: the BEUC\/vzbv report<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf9b855 elementor-widget elementor-widget-text-editor\" data-id=\"7bf9b855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In May 2026, BEUC and 13 national member organizations\u2014including the vzbv in Germany\u2014published the report &quot;Sponsored by Scammers.&quot; Between December 2025 and March 2026, approximately 900 allegedly illegal financial advertising ads were reported to Google, Meta, and TikTok, and the platforms&#039; reactions were analyzed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4415c119 elementor-widget elementor-widget-html\" data-id=\"4415c119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"background:#fff;border:1px solid #E5E7EB;border-radius:8px;padding:20px 18px;margin:8px 0;\"><svg viewbox=\"0 0 560 232\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;height:auto;\"><circle cx=\"116\" cy=\"116\" r=\"82\" fill=\"none\" stroke=\"#2D9CDB\" stroke-width=\"34\" stroke-dasharray=\"139.1 375.9\" stroke-dashoffset=\"0\" transform=\"rotate(-90 116 116)\"\/><circle cx=\"116\" cy=\"116\" r=\"82\" fill=\"none\" stroke=\"#B0892F\" stroke-width=\"34\" stroke-dasharray=\"267.9 247.1\" stroke-dashoffset=\"-139.1\" transform=\"rotate(-90 116 116)\"\/><circle cx=\"116\" cy=\"116\" r=\"82\" fill=\"none\" stroke=\"#9DB6C9\" stroke-width=\"34\" stroke-dasharray=\"108.2 406.8\" stroke-dashoffset=\"-407.0\" transform=\"rotate(-90 116 116)\"\/><text x=\"116\" y=\"110\" text-anchor=\"middle\" font-size=\"30\" font-weight=\"800\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">27%<\/text><text x=\"116\" y=\"132\" text-anchor=\"middle\" font-size=\"10\" letter-spacing=\"1\" fill=\"#2D9CDB\" font-family=\"Outfit,sans-serif\">REMOVED<\/text><rect x=\"285\" y=\"34\" width=\"13\" height=\"13\" rx=\"2\" fill=\"#2D9CDB\"\/><text x=\"307\" y=\"45\" font-size=\"13\" fill=\"#2D3748\" font-family=\"Open Sans,sans-serif\">Actually removed<\/text><text x=\"548\" y=\"45\" font-size=\"13\" font-weight=\"700\" text-anchor=\"end\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">27 %<\/text><rect x=\"285\" y=\"66\" width=\"13\" height=\"13\" rx=\"2\" fill=\"#B0892F\"\/><text x=\"307\" y=\"77\" font-size=\"13\" fill=\"#2D3748\" font-family=\"Open Sans,sans-serif\">Rejected \/ not processed<\/text><text x=\"548\" y=\"77\" font-size=\"13\" font-weight=\"700\" text-anchor=\"end\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">52 %<\/text><rect x=\"285\" y=\"98\" width=\"13\" height=\"13\" rx=\"2\" fill=\"#9DB6C9\"\/><text x=\"307\" y=\"109\" font-size=\"13\" fill=\"#2D3748\" font-family=\"Open Sans,sans-serif\">Unclear interim status<\/text><text x=\"548\" y=\"109\" font-size=\"13\" font-weight=\"700\" text-anchor=\"end\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">21 %<\/text><\/svg><div style=\"font-size:13.5px;color:#7a8696;line-height:1.5;padding-top:10px;border-top:1px solid #E5E7EB;margin-top:14px;\"><b style=\"color:#1E3A5F;\">Platform response to reported fraud ads.<\/b> Only about a quarter were actually removed. Source: BEUC\/vzbv, \u201eSponsored by Scammers\u201c, May 2026.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13226d4e elementor-widget elementor-widget-heading\" data-id=\"13226d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5.2 The EU Commission&#039;s request for information<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c61a6b9 elementor-widget elementor-widget-text-editor\" data-id=\"c61a6b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In September 2025, the European Commission sent a formal request for information to, among others, Google \u2014 regularly the first formal procedural step before a possible DSA supervisory procedure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4af9e45b elementor-widget elementor-widget-heading\" data-id=\"4af9e45b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5.3 The proof of concept: Google&#039;s verification rollout<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59024d4a elementor-widget elementor-widget-text-editor\" data-id=\"59024d4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Following pressure from the FCA, Google introduced mandatory verification for financial advertisers in the United Kingdom in 2021; since January 2023, violations have been enforced by account suspension. In June 2025, the requirement was extended to debt counseling services in Germany. On July 23, 2026, it will come into force in 24 further EU\/EEA countries. This rollout refutes the argument that comprehensive prior verification is technically impossible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c0eb5b8 elementor-widget elementor-widget-heading\" data-id=\"5c0eb5b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">06<\/span> The Google Ads guidelines in detail<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40eb6ec6 elementor-widget elementor-widget-text-editor\" data-id=\"40eb6ec6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>6.1 What Google already regulates:<\/b> The &quot;Financial Products and Services&quot; directive lists, among other things: personal loans, debt restructuring, loan repair (prohibited), debtor services (after certification), binary options (prohibited), CFDs\/Forex (only licensed providers), cryptocurrencies, and prediction markets. Disclosure requirements apply to all categories requiring certification.<\/p><p><b>6.2 What is only enforced reactively:<\/b> The &quot;Unacceptable business practices&quot; policy generally prohibits deceiving users \u2014 but is only punished &quot;upon discovery&quot;, i.e. reactively after the advertisement has been placed.<\/p><p><b>6.3 The gap in the wording:<\/b> Neither &quot;asset assessment&quot; nor &quot;asset recovery&quot; appears as a separate subcategory. Recovery providers fall only under general, reactive abuse control\u2014direct evidence of the &quot;categorization gap.&quot;.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57dfe90f elementor-widget elementor-widget-heading\" data-id=\"57dfe90f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">07<\/span> The categorization gap: evidence and matrix<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab6fde6 wp-table elementor-widget elementor-widget-text-editor\" data-id=\"2ab6fde6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th style=\"width:40%\">category<\/th><th style=\"width:30%\">A separate Google Ads category?<\/th><th>Pre-certification?<\/th><\/tr><\/thead><tbody><tr><td>Personal loans<\/td><td style=\"color:#3b7a4b;font-weight:700;\">Yes (personal loans)<\/td><td>Yes \u2014 disclosure obligations<\/td><\/tr><tr><td>Debt counselling<\/td><td style=\"color:#3b7a4b;font-weight:700;\">Yes (debt services)<\/td><td>Yes \u2014 certification<\/td><\/tr><tr><td>Credit repair<\/td><td style=\"color:#3b7a4b;font-weight:700;\">Yes (credit repair)<\/td><td>Advertising prohibited<\/td><\/tr><tr><td>Cryptocurrencies<\/td><td style=\"color:#3b7a4b;font-weight:700;\">Yes (cryptocurrencies)<\/td><td>Yes \u2014 depending on the region<\/td><\/tr><tr><td>Speculative products (CFD\/Forex)<\/td><td style=\"color:#3b7a4b;font-weight:700;\">Yes<\/td><td>Yes \u2014 only licensed providers<\/td><\/tr><tr><td>Asset assessment \/ Recovery<\/td><td style=\"color:#b2543a;font-weight:700;\">No \u2014 not a category<\/td><td style=\"color:#b2543a;font-weight:700;\">No \u2014 only reactive oversight<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c081ea3 elementor-widget elementor-widget-text-editor\" data-id=\"2c081ea3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:13px;color:#7a8696;line-height:1.5;\"><b style=\"color:#1E3A5F;\">Categorization matrix.<\/b> The basis is the publicly available wording of the Google Ads financial guidelines (as of July 2026).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dfaa246 elementor-widget elementor-widget-text-editor\" data-id=\"4dfaa246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>7.2 Qualitative observation:<\/b> In the supervised case studies, victims repeatedly report that they made contact with a fraudulent &quot;asset investigator&quot; via a sponsored Google ad. This observation is not representative, but its trend aligns with the findings of BEUC and vzbv.<\/p><p><b>7.3 Why reactive supervision comes too late:<\/b> A reported ad can remain active for weeks and continue to generate advertising revenue. Because ad accounts are quickly recreated, the pattern resembles the &quot;whack-a-mole&quot; effect with wallet addresses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-793e457e elementor-widget elementor-widget-heading\" data-id=\"793e457e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">08<\/span> The Economics of Recovery Scam Advertising<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9e7ad6 elementor-widget elementor-widget-text-editor\" data-id=\"e9e7ad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The categorization gap isn&#039;t due to an economic vacuum: ad platforms earn money from every click\u2014regardless of whether the advertised service is legitimate or fraudulent. Financial and legal services keywords are among the most expensive segments in the Google Ads auction system.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186274f4 elementor-widget elementor-widget-html\" data-id=\"186274f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"background:#fff;border:1px solid #E5E7EB;border-radius:8px;padding:20px 18px;margin:8px 0;\"><svg viewbox=\"0 0 620 210\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;height:auto;font-family:Outfit,sans-serif;\"><text x=\"150\" y=\"30\" text-anchor=\"end\" font-size=\"12\" font-weight=\"600\" fill=\"#1E3A5F\">Insurance<\/text><rect x=\"160\" y=\"18\" width=\"400\" height=\"20\" rx=\"3\" fill=\"#EEF3F7\"\/><rect x=\"160\" y=\"18\" width=\"400\" height=\"20\" rx=\"3\" fill=\"#1E3A5F\"\/><text x=\"568\" y=\"33\" font-size=\"12\" font-weight=\"700\" fill=\"#1E3A5F\">\u2248 55 $<\/text><text x=\"150\" y=\"66\" text-anchor=\"end\" font-size=\"12\" font-weight=\"600\" fill=\"#1E3A5F\">Legal advice<\/text><rect x=\"160\" y=\"54\" width=\"400\" height=\"20\" rx=\"3\" fill=\"#EEF3F7\"\/><rect x=\"160\" y=\"54\" width=\"327\" height=\"20\" rx=\"3\" fill=\"#2D9CDB\"\/><text x=\"495\" y=\"69\" font-size=\"12\" font-weight=\"700\" fill=\"#1E3A5F\">\u2248 45 $<\/text><text x=\"150\" y=\"102\" text-anchor=\"end\" font-size=\"12\" font-weight=\"600\" fill=\"#1E3A5F\">credit<\/text><rect x=\"160\" y=\"90\" width=\"400\" height=\"20\" rx=\"3\" fill=\"#EEF3F7\"\/><rect x=\"160\" y=\"90\" width=\"320\" height=\"20\" rx=\"3\" fill=\"#2D9CDB\"\/><text x=\"488\" y=\"105\" font-size=\"12\" font-weight=\"700\" fill=\"#1E3A5F\">\u2248 44 $<\/text><text x=\"150\" y=\"138\" text-anchor=\"end\" font-size=\"12\" font-weight=\"600\" fill=\"#B0892F\">Recovery \/ &quot;Wealth investigator&quot;\u201e<\/text><rect x=\"160\" y=\"126\" width=\"400\" height=\"20\" rx=\"3\" fill=\"#EEF3F7\"\/><rect x=\"160\" y=\"126\" width=\"320\" height=\"20\" rx=\"3\" fill=\"#B0892F\" opacity=\".5\"\/><text x=\"488\" y=\"141\" font-size=\"12\" font-weight=\"700\" fill=\"#B0892F\">no benchmark<\/text><text x=\"160\" y=\"176\" font-size=\"10.5\" fill=\"#7a8696\" font-style=\"italic\">Market-standard click prices (CPC) by segment. There are no separate rates for recovery keywords.<\/text><text x=\"160\" y=\"192\" font-size=\"10.5\" fill=\"#7a8696\" font-style=\"italic\">According to industry data, they are structurally and plausibly located in the same high-priced segment.<\/text><\/svg><div style=\"font-size:13.5px;color:#7a8696;line-height:1.5;padding-top:10px;border-top:1px solid #E5E7EB;margin-top:14px;\"><b style=\"color:#1E3A5F;\">Finance and legal keywords are among the most expensive CPC segments.<\/b> Source: WordStream Google Ads Benchmarks 2025\/2026.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11b89fbd elementor-widget elementor-widget-text-editor\" data-id=\"11b89fbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>That advertising platforms can profit significantly from illegal financial ads is\u2014at least for Meta\u2014proven by the Reuters investigation. This contrasts with the IC3 finding of approximately $1.4 billion in losses from recovery scams in the US alone in 2025. The conclusion: The categorization gap exists not despite, but also because of, an economic incentive not to close it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c256c elementor-widget elementor-widget-heading\" data-id=\"44c256c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">09<\/span> Overview of liability scenarios<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77bf9d1f wp-table elementor-widget elementor-widget-text-editor\" data-id=\"77bf9d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th style=\"width:22%\">Knowledge of the platform<\/th><th style=\"width:14%\">Ad active?<\/th><th style=\"width:20%\">Report(s)?<\/th><th>Legal classification<\/th><\/tr><\/thead><tbody><tr><td>No knowledge<\/td><td>Yes<\/td><td>No<\/td><td>The liability privilege under DSA Art. 6 remains in effect.<\/td><\/tr><tr><td>Knowledge (individual case)<\/td><td>Yes<\/td><td>Yes (one-time only)<\/td><td>Potential liability for interference due to inaction; DSA Art. 16 obligation triggered.<\/td><\/tr><tr><td>Knowledge (repeated)<\/td><td>Yes<\/td><td>Multiple, comparable<\/td><td>Increased DSA risk; claiming ignorance is untenable.<\/td><\/tr><tr><td>Campaign structure<\/td><td>Yes, it scales.<\/td><td>Many, multiple accounts<\/td><td>Systemic risk according to DSA Art. 34\/35; fine up to 6 % turnover<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b6c83 elementor-widget elementor-widget-text-editor\" data-id=\"27b6c83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:13px;color:#7a8696;line-height:1.5;\"><b style=\"color:#1E3A5F;\">Liability matrix.<\/b> Which scenario applies in any given case always depends on the specific facts. This white paper does not replace a legal review of the individual case.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58bd5fa5 elementor-widget elementor-widget-heading\" data-id=\"58bd5fa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">10<\/span> How should an advertising platform vet recovery providers?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-375069b4 elementor-widget elementor-widget-text-editor\" data-id=\"375069b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The following verification steps transfer Google&#039;s existing verification tools to recovery services \u2014 as a reform proposal:<\/p><ul><li>Extract from the commercial register or proof of the company&#039;s existence and the beneficial owner.<\/li><li>Proof of official authorization (e.g., business detective agency according to \u00a7 34a GewO) or as a law firm.<\/li><li>Proof of AML registration is required if third-party payment flows are involved.<\/li><li>Verification of a real business address.<\/li><li>Identity verification of the responsible parties (Liveness Detection\/KYC).<\/li><li>Reference check based on case references not curated by the user.<\/li><li>Proof of alleged cooperation with a law firm or authority.<\/li><\/ul><p>None of these testing steps require new technical skills. The open question is not feasibility, but regulatory and commercial will.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff108ed elementor-widget elementor-widget-heading\" data-id=\"ff108ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">11<\/span> Forensic observations: Patterns behind the scenes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a3447a7 elementor-widget elementor-widget-text-editor\" data-id=\"5a3447a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Beyond the level of advertisements, recurring patterns can be observed (qualitative, non-representative observations from our own case work):<\/p><ul><li><b>Domain rotation:<\/b> Blocked target pages will be replaced by structurally identical new domains.<\/li><li><b>Reuse of phone numbers<\/b> across several &quot;asset investigator&quot; brands.<\/li><li><b>Recurring payment endpoints:<\/b> Known wallet addresses or PSP accounts are reappearing.<\/li><li><b>Reuse of victim lists<\/b> between perpetrator groups (externally documented by the CFTC).<\/li><li><b>Call center-like conversation style<\/b> with standardized scripts across different brands.<\/li><\/ul><p>The actual organizational level is often located above the individual ad or advertising account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fcba69 elementor-widget elementor-widget-html\" data-id=\"49fcba69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"background:#F7FAFC;border:1px solid #E5E7EB;border-top:3px solid #B0892F;border-radius:8px;padding:24px 26px;margin:8px 0;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#B0892F;margin-bottom:12px;\">Note regarding Chapter 5<\/div><p style=\"margin:0;font-size:15.5px;line-height:1.65;\">The civil law classification of AML (Money Laundering Act) violations as a basis for claims against cryptocurrency exchanges, referenced in section 5.4, is based on legal scholarship, not on established published case law. It should be understood as a guideline, not as a definitively settled legal position.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-131aa6d8 e-con-full e-flex e-con e-child\" data-id=\"131aa6d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c560f10 elementor-widget elementor-widget-image\" data-id=\"6c560f10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"525\" src=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-spot.jpg\" class=\"attachment-full size-full wp-image-2923\" alt=\"Noose tied with rope draped over a laptop keyboard, suggesting self-harm risk.\" srcset=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-spot.jpg 1200w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-spot-300x131.jpg 300w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-spot-1024x448.jpg 1024w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-spot-768x336.jpg 768w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/hf-spot-18x8.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ffe1b09 elementor-widget elementor-widget-html\" data-id=\"5ffe1b09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"font-size:13.5px;color:#7a8696;line-height:1.5;padding-top:10px;border-top:1px solid #E5E7EB;margin-top:10px;\"><b style=\"color:#1E3A5F;\">The search for help becomes the second point of entry.<\/b> Anyone seeking help to recover lost items will again encounter organized criminal structures in the paid advertising spaces \u2014 the platform controls this channel.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-667a8771 elementor-widget elementor-widget-heading\" data-id=\"667a8771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">12<\/span> Options for action for victims<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-133ba772 elementor-widget elementor-widget-text-editor\" data-id=\"133ba772\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The CFTC lists warning signs: missing verifiable business address, payment before any service is provided, communication only via messenger, request for bank details for alleged payment.<\/p><ul><li>Save screenshots of the ad, target website, and communication history promptly.<\/li><li>Report to the advertising platform (DSA Art. 16) and to the consumer center or a Trusted Flagger organization.<\/li><li>Report to the police or public prosecutor&#039;s office.<\/li><li>In case of significant damage and documented knowledge: legal review of civil claims against the platform.<\/li><li>Timely forensic securing and tracing of any payment flows.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-317dd35d elementor-widget elementor-widget-heading\" data-id=\"317dd35d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">13<\/span> Recommendations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-455ea83d elementor-widget elementor-widget-html\" data-id=\"455ea83d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:8px 0;\"><div style=\"background:#fff;border:1px solid #E5E7EB;border-top:3px solid #2D9CDB;border-radius:8px;padding:20px 22px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:#2D9CDB;margin-bottom:10px;\">On advertising platforms<\/div><p style=\"margin:0;font-size:14.5px;line-height:1.6;\">A dedicated verification category for &quot;Recovery and Asset Investigation Services&quot; with the verification steps outlined in Chapter 10. Mandatory processing deadlines for Trusted Flagger notifications (Art. 22 DSA). Cross-referencing of new advertising accounts against previously blocked accounts.<\/p><\/div><div style=\"background:#fff;border:1px solid #E5E7EB;border-top:3px solid #2D9CDB;border-radius:8px;padding:20px 22px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:#2D9CDB;margin-bottom:10px;\">To regulatory authorities<\/div><p style=\"margin:0;font-size:14.5px;line-height:1.6;\">Clarification that recovery scam ads fall under the systemic risk assessment (Articles 34\/35 DSA). Review of the Ofcom Code as an EU template. Regular public evaluation of the DSA ad database (Article 39).<\/p><\/div><div style=\"background:#fff;border:1px solid #E5E7EB;border-top:3px solid #2D9CDB;border-radius:8px;padding:20px 22px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:#2D9CDB;margin-bottom:10px;\">To Consumer Protection &amp; Media<\/div><p style=\"margin:0;font-size:14.5px;line-height:1.6;\">Continuation and expansion of systematic reporting campaigns based on the model of \u201eSponsored by Scammers\u201c in order to create a reliable data basis for supervisory action.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f2a7b1a elementor-widget elementor-widget-heading\" data-id=\"3f2a7b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">14<\/span> Classification by Financial Forensics<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f9651 elementor-widget elementor-widget-html\" data-id=\"9f9651\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"background:linear-gradient(135deg,#15314e,#0F2942);color:#dCEAf5;border-radius:14px;padding:28px 30px;margin:8px 0;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#56CCF2;margin-bottom:10px;\">Expert commentary<\/div><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">Why the gap is forensically relevant.<\/b> Recovery scams are the point where the cycle closes\u2014the same victim, a second time, through a channel completely controlled by a large platform. Tracing the second payment regularly leads to the same wallet clusters as the initial scam.<\/p><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">Why the organizational level matters.<\/b> Domain rotation, recycled phone numbers, and recurring payment endpoints reveal that nominally independent &quot;wealth investigator&quot; brands often share the same structure. Reporting only a single advertisement treats a symptom.<\/p><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">What those affected should do now.<\/b> Secure the notification and communication immediately, track the second payment on-chain and document the platform notification \u2014 the documented acknowledgment will later be the legal leverage.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42ded582 elementor-widget elementor-widget-heading\" data-id=\"42ded582\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">15<\/span> Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35aae0a6 elementor-widget elementor-widget-text-editor\" data-id=\"35aae0a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The legal framework has shifted noticeably towards systemic responsibility with the Digital Services Act\u2014and in parallel in the US, the UK, and Australia. However, a significant gap exists between this shift and its actual implementation\u2014exacerbated by the categorization gap evident in the wording of the directive and reinforced by a real economic incentive problem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b245cbf elementor-widget elementor-widget-html\" data-id=\"5b245cbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<blockquote style=\"margin:20px 0;padding:28px 0;border-top:2px solid #1E3A5F;border-bottom:1px solid #E5E7EB;text-align:center;\"><p style=\"font-family:Outfit,sans-serif;font-weight:600;font-size:22px;line-height:1.34;color:#1E3A5F;max-width:36ch;margin:0 auto;\">\u201e&quot;A platform that knows how to verify a loan broker cannot claim it doesn&#039;t know how to verify a \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb08c3d elementor-widget elementor-widget-html\" data-id=\"6fb08c3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"margin-top:16px;border-top:1px solid #E5E7EB;padding-top:26px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:#B0892F;margin-bottom:14px;\">Sources &amp; Case Law (Selection)<\/div><div style=\"font-size:13.5px;line-height:1.6;color:#54606e;margin-bottom:12px;\"><b style=\"display:block;font-family:Outfit,sans-serif;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#1E3A5F;margin-bottom:3px;\">Studies &amp; Authorities<\/b>BEUC \/ vzbv: \u201eSponsored by Scammers\u201c, May 2026 \u00b7 European Commission: Request for information (Art. 67 DSA) to Google, Sept. 2025 \u00b7 FBI IC3: 2025 Internet Crime Report \u00b7 CFTC: \u201eDon\u2019t be Re-Victimized by Recovery Frauds\u201c \u00b7 Reuters: Internal Meta documents, Nov. 2025 \/ Jan. 2026 \u00b7 ACCC v. Meta \u00b7 Ofcom: Fraudulent Advertising Code, 10.07.2026; Online Safety Act 2023 \u00b7 UK FCA (2023) \u00b7 WordStream Benchmarks 2025\/2026.<\/div><div style=\"font-size:13.5px;line-height:1.6;color:#54606e;margin-bottom:12px;\"><b style=\"display:block;font-family:Outfit,sans-serif;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#1E3A5F;margin-bottom:3px;\">Jurisprudence &amp; Law<\/b>BGH, judgment of May 14, 2013, Ref. VI ZR 269\/12 (\u201eAutocomplete\u201c) \u00b7 OLG Frankfurt a. M., decision v. February 27, 2020, Ref. 6 U 240\/19 \u00b7 ECJ, Google France\/Louis Vuitton (C-236\/08\u2013C-238\/08), L&#039;Or\u00e9al\/eBay (C-324\/09) \u00b7 Consumer Federation of America v. Meta (Ninth Circuit); Santa Clara County v. Meta \u00b7 VO (EU) 2022\/2065 (DSA), Art. 6, 16, 22, 34, 35, 39 \u00b7 RL 2000\/31\/EC, Art. 14 \u00b7 TMG a. F. \/ DDG \u00b7 Google Advertising Policies (as of July 2026).<\/div><p style=\"font-size:12px;color:#9aa6b3;margin-top:6px;line-height:1.6;\">Combines publicly available case law and third-party study results with qualitative, anonymized observations from our own forensic case work (as of July 2026). Does not constitute legal advice in individual cases.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-505e65c1 e-con-full e-flex e-con e-child\" data-id=\"505e65c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3890967e e-con-full e-flex e-con e-child\" data-id=\"3890967e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c27d21 elementor-widget elementor-widget-image\" data-id=\"6c27d21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/david-1.jpg\" class=\"attachment-full size-full wp-image-2763\" alt=\"Professional headshot of an older man in a dark blazer and light shirt, looking at the camera.\" srcset=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/david-1.jpg 400w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/david-1-300x300.jpg 300w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/david-1-150x150.jpg 150w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/david-1-12x12.jpg 12w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4239a185 e-con-full e-flex e-con e-child\" data-id=\"4239a185\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f1f7d9 elementor-widget elementor-widget-text-editor\" data-id=\"67f1f7d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>David L\u00fcdtke<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eefe065 elementor-widget elementor-widget-text-editor\" data-id=\"eefe065\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Managing Director \u00b7 OSINT Analyst &amp; Crypto Forensic Expert \u00b7 Financial Forensics GmbH<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7651a2d8 elementor-widget elementor-widget-text-editor\" data-id=\"7651a2d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:15px;line-height:1.65;\">Court-admissible crypto transaction analysis, OSINT-based asset investigation, and expert reports for defense attorneys, insolvency administrators, and companies. Certified Crystal Expert (CECF, CEEI, CEUI). <b>Financial Forensics<\/b> Supports law firms, companies, investigative bodies and insolvency administrators \u2014 focus areas: Blockchain forensics, wallet analysis, court-admissible documentation, OSINT.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43ce4446 elementor-widget elementor-widget-text-editor\" data-id=\"43ce4446\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<b>Contact:<\/b>\u00a0<a href=\"mailto:postfach@finanz-forensik.de\">postfach@finanz-forensik.de<\/a>\u00a0\u00b7\u00a0<a href=\"tel:+4960579189145\">+49 6057 9189145<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b798473 e-flex e-con-boxed e-con e-parent\" data-id=\"4b798473\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2805d38 e-con-full e-flex e-con e-child\" data-id=\"2805d38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64114b1a elementor-widget elementor-widget-heading\" data-id=\"64114b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Were you harmed again through a police report? We&#039;re following the trail.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72de71e8 elementor-widget elementor-widget-text-editor\" data-id=\"72de71e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"color:#cdddea;font-size:16px;\">We secure evidence of advertisements and communications, track secondary payments on-chain, and support law firms and victims with reporting, claim review, and asset recovery.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-441c36dd e-con-full e-flex e-con e-child\" data-id=\"441c36dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c28b8c9 elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"2c28b8c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanz-forensik.de\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request an initial consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67e66c00 elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"67e66c00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/Whitepaper_Haftung-Werbeplattformen_Finanz-Forensik.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"><\/path><polyline points=\"7 10 12 15 17 10\"><\/polyline><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"><\/line><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Whitepaper as PDF<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Research Report Nr. 08 \u00b7 Recht &amp; Plattformhaftung Haftung digitaler Werbeplattformen bei Recovery-Scams Wann werden Google Ads zum Einfallstor organisierter Anlagebetr\u00fcger? Die Kategorisierungsl\u00fccke: Rechtsrahmen, internationaler Vergleich, \u00d6konomie und ein Verifizierungskonzept. 2., erweiterte Auflage. 10.500+IC3-Beschwerden zu Recovery-Scams, USA 20251,4 Mrd. $gemeldeter Recovery-Scam-Schaden, USA 2025 (IC3)27 %der gemeldeten Betrugsanzeigen entfernt (BEUC\/vzbv)7\u201316 Mrd. $interner Meta-Umsatz aus Risiko-Anzeigen p.&nbsp;a. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3109,"parent":2313,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-2932","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich &amp; Verifizierungskonzept.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.0.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_GB\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Finanz Forensik -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Haftung von Werbeplattformen bei Recovery-Scams | Google Ads\" \/>\n\t\t<meta property=\"og:description\" content=\"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich &amp; Verifizierungskonzept.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-07-27T12:33:03+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-07-31T07:28:53+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Haftung von Werbeplattformen bei Recovery-Scams | Google Ads\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich &amp; Verifizierungskonzept.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/finanz-forensik.de\\\/en\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/#listItem\",\"name\":\"Whitepaper\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/#listItem\",\"position\":2,\"name\":\"Whitepaper\",\"item\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#listItem\",\"name\":\"Haftung von Werbeplattformen bei Recovery-Scams\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#listItem\",\"position\":3,\"name\":\"Haftung von Werbeplattformen bei Recovery-Scams\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/#listItem\",\"name\":\"Whitepaper\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/#organization\",\"name\":\"Finanz Forensik\",\"url\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/\",\"telephone\":\"+49605777299486\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/finanz-forensik.de\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/finanz-forensik-logo.png\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#organizationLogo\",\"width\":1280,\"height\":1173},\"image\":{\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#organizationLogo\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#webpage\",\"url\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/\",\"name\":\"Haftung von Werbeplattformen bei Recovery-Scams | Google Ads\",\"description\":\"Wann werden Google Ads zum Einfallstor f\\u00fcr Recovery-Scams? Kategorisierungsl\\u00fccke, DSA-Haftung, internationaler Vergleich & Verifizierungskonzept.\",\"inLanguage\":\"en-GB\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#breadcrumblist\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/finanz-forensik.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Whitepaper_Haftung-Werbeplattformen_Finanz-Forensik-pdf-1.jpg\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#mainImage\",\"width\":1058,\"height\":1497,\"caption\":\"Close-up of a magnifying glass over a keyboard, on a German finance magazine cover about digital liability and recovery scams.\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/whitepaper\\\/haftung-werbeplattformen-recovery-scams\\\/#mainImage\"},\"datePublished\":\"2026-07-27T14:33:03+02:00\",\"dateModified\":\"2026-07-31T09:28:53+02:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/\",\"name\":\"Finanz Forensik\",\"inLanguage\":\"en-GB\",\"publisher\":{\"@id\":\"https:\\\/\\\/finanz-forensik.de\\\/en\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO Pro -->\r\n\t\t<title>Haftung von Werbeplattformen bei Recovery-Scams | Google Ads<\/title>\n\n","aioseo_head_json":{"title":"Liability of advertising platforms in recovery scams | Google Ads","description":"When do Google Ads become a gateway for recovery scams? Categorization gap, DSA liability, international comparison &amp; verification concept.","canonical_url":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en#listItem","position":1,"name":"Home","item":"https:\/\/finanz-forensik.de\/en","nextItem":{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/#listItem","name":"Whitepaper"}},{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/#listItem","position":2,"name":"Whitepaper","item":"https:\/\/finanz-forensik.de\/en\/whitepaper\/","nextItem":{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#listItem","name":"Haftung von Werbeplattformen bei Recovery-Scams"},"previousItem":{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#listItem","position":3,"name":"Haftung von Werbeplattformen bei Recovery-Scams","previousItem":{"@type":"ListItem","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/#listItem","name":"Whitepaper"}}]},{"@type":"Organization","@id":"https:\/\/finanz-forensik.de\/en\/#organization","name":"Finanz Forensik","url":"https:\/\/finanz-forensik.de\/en\/","telephone":"+49605777299486","logo":{"@type":"ImageObject","url":"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#organizationLogo","width":1280,"height":1173},"image":{"@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#organizationLogo"}},{"@type":"WebPage","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#webpage","url":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/","name":"Haftung von Werbeplattformen bei Recovery-Scams | Google Ads","description":"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich & Verifizierungskonzept.","inLanguage":"en-GB","isPartOf":{"@id":"https:\/\/finanz-forensik.de\/en\/#website"},"breadcrumb":{"@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#breadcrumblist"},"image":{"@type":"ImageObject","url":"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/Whitepaper_Haftung-Werbeplattformen_Finanz-Forensik-pdf-1.jpg","@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#mainImage","width":1058,"height":1497,"caption":"Close-up of a magnifying glass over a keyboard, on a German finance magazine cover about digital liability and recovery scams."},"primaryImageOfPage":{"@id":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/#mainImage"},"datePublished":"2026-07-27T14:33:03+02:00","dateModified":"2026-07-31T09:28:53+02:00"},{"@type":"WebSite","@id":"https:\/\/finanz-forensik.de\/en\/#website","url":"https:\/\/finanz-forensik.de\/en\/","name":"Finanz Forensik","inLanguage":"en-GB","publisher":{"@id":"https:\/\/finanz-forensik.de\/en\/#organization"}}]},"og:locale":"en_GB","og:site_name":"Finanz Forensik -","og:type":"article","og:title":"Haftung von Werbeplattformen bei Recovery-Scams | Google Ads","og:description":"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich &amp; Verifizierungskonzept.","og:url":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/","og:image":"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png","og:image:secure_url":"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png","article:published_time":"2026-07-27T12:33:03+00:00","article:modified_time":"2026-07-31T07:28:53+00:00","twitter:card":"summary_large_image","twitter:title":"Haftung von Werbeplattformen bei Recovery-Scams | Google Ads","twitter:description":"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich &amp; Verifizierungskonzept.","twitter:image":"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2025\/12\/finanz-forensik-logo.png"},"aioseo_meta_data":{"post_id":"2932","title":"Liability of advertising platforms in recovery scams | Google Ads","description":"Wann werden Google Ads zum Einfallstor f\u00fcr Recovery-Scams? Kategorisierungsl\u00fccke, DSA-Haftung, internationaler Vergleich &amp; Verifizierungskonzept.","keywords":null,"keyphrases":{"focus":[],"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":true,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-07-31 07:29:38","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":null,"open_ai":null,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-07-27 12:30:36","updated":"2026-08-03 12:30:14","focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/finanz-forensik.de\/en\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/finanz-forensik.de\/en\/whitepaper\/\" title=\"Whitepaper\">Whitepaper<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tHaftung von Werbeplattformen bei Recovery-Scams\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/finanz-forensik.de\/en"},{"label":"Whitepaper","link":"https:\/\/finanz-forensik.de\/en\/whitepaper\/"},{"label":"Haftung von Werbeplattformen bei Recovery-Scams","link":"https:\/\/finanz-forensik.de\/en\/whitepaper\/haftung-werbeplattformen-recovery-scams\/"}],"_links":{"self":[{"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/pages\/2932","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/comments?post=2932"}],"version-history":[{"count":7,"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/pages\/2932\/revisions"}],"predecessor-version":[{"id":3089,"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/pages\/2932\/revisions\/3089"}],"up":[{"embeddable":true,"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/pages\/2313"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/media\/3109"}],"wp:attachment":[{"href":"https:\/\/finanz-forensik.de\/en\/wp-json\/wp\/v2\/media?parent=2932"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}