{"success":true,"data":{"id":"paycheck-advance-loan-phish","label":"Fake pre-approved paycheck advance or emergency loan requiring bank account and routing number (or SSN) via email link to release funds — advance-fee loan fraud targeting financially stressed individuals.","description":"Fake payday lender or employer-branded \"paycheck advance\" service claiming a pre-approved cash advance has been approved and requiring bank account, routing number, or SSN via email link to \"release\" the funds — advance-fee loan fraud targeting financially vulnerable individuals. Real paycheck advance services (DailyPay, EarnIn, PayActiv) never solicit via cold email and never request credentials before enrollment through authenticated apps. Detection: paycheck advance/cash advance/emergency loan pre-approved + verify bank/routing number/SSN to receive loan vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +3. Source: GC1-R22; CFPB payday loan scam advisory; FTC advance fee loan scam patterns.","tier":"danger","category":"phishing","isThin":false}}