{"success":true,"data":{"id":"government-grant-stimulus-phish","label":"Fake government agency claiming the target qualifies for a government grant or stimulus payment and must verify identity or bank details via email link to claim the money — credential-harvest and bank-drain fraud; real government grants are disbursed through official portals (grants.gov, irs.gov), never cold email credential requests.","description":"Fake government agency, program, or relief fund claiming the recipient qualifies for a government grant, stimulus payment, or federal relief money and must verify their identity or bank account details via email link to claim the funds — credential-harvest and bank-drain fraud. Real government grants are disbursed through official authenticated portals (grants.gov, SBA, IRS Direct Deposit, state benefit portals); real stimulus payments follow legislative authorization and are distributed through verified IRS channels without requiring recipients to submit banking credentials via cold email. Distinct from irs-direct-file-2026-amendment-lure (IRS refund amendment) and sba-small-business-loan-phish (SBA loan) — this targets the generic government grant / stimulus payment eligibility narrative. Detection: government grant/stimulus payment qualify/eligible + verify identity/bank details to claim money vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R25; FTC government impostor grant scam advisory 2025; BBB Scam Tracker government grant patterns.","tier":"danger","category":"phishing","isThin":false}}