{"success":true,"data":{"id":"utility-new-account-setup-phish","label":"Fake utility company targeting new movers claiming account setup requires SSN and bank account via email link to activate service — credential-harvest and bank-drain fraud; real utility activation uses authenticated portals, not cold email credential requests.","description":"Fake utility company (electric, gas, water, power) targeting new movers by claiming new account setup or service activation requires SSN and bank account information submitted via email link before service can be activated — credential-harvest and bank-drain fraud. Real utility providers require in-person identity verification, online portal enrollment with authentication, or a phone call with the existing service address on record; cold emails demanding SSN and bank routing details to activate a new utility account are not a legitimate utility enrollment workflow. Distinct from utility-emergency-disconnection-phish (existing account disconnection threat) and utility-smart-meter-upgrade-phish (meter upgrade). Detection: electric/gas/water utility new account setup/service activation + provide SSN/bank account/routing number vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R24; NARUC utility consumer protection guidelines; FTC utility impostor scam advisory 2025.","tier":"danger","category":"phishing","isThin":false}}