Fake IRS Direct File 1040-X amendment / refund-recalculation lure — "Your IRS Direct File 1040-X amended return refund has been recalculated; verify banking and routing details within 7 days" targeting taxpayers who used the IRS Direct File pilot (expanded to 25 states for TY2025). Real IRS refund deposits never request banking re-verification via emailed link; refunds either go to the bank account on file or are mailed as a paper check. Spoofs `directfile.irs.gov` lookalike. Source: GC1 R7 multiagent council top-5 (S1 fin specialist).
irs-direct-file-2026-amendment-lure
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake IRS Direct File 1040-X amendment / refund-recalculation lure targeting US taxpayers who used the IRS Direct File pilot (expanded to 25 states for TY2025, with broader rollout planned for TY2026). The phish narrative arrives as: "Your IRS Direct File 1040-X amended return refund has been recalculated — verify banking and routing details within 7 days to receive your refund," or "Form 1040-X amended return processed — confirm banking account or refund will be returned to Treasury." Direct File adoption climbed sharply through TY2024-TY2025 (over a million returns filed in the pilot states), creating a large + recently-engaged target population. The April-May 2026 amendment / extension window is when real 1040-X activity peaks, giving attackers a high-volume pretext window. Real IRS refund deposits never request banking re-verification via emailed link; refunds either go to the bank account on file from the original return, or are mailed as a paper check to the address of record. The Treasury-Direct/EFTPS phishing kits often spoof `directfile-irs-amend.io`, `treasury-directfile.co`, and similar lookalike subdomains. Compromised tax filers face SSN exposure plus directly-stolen refund deposits redirected to attacker bank accounts (real-world losses $3K-$15K per victim, depending on filing complexity). Fires when body references IRS Direct File / Form 1040-X / amended return / refund recalculation AND contains an IRS / Treasury / EFTPS authority reference AND contains verify-banking / verify-routing / verify-account or generic action-required urgency. Excludes irs.gov, treasury.gov, eftps.gov, directfile.irs.gov, and the broader .gov umbrella. Auto-classified as danger via the `-lure` suffix. Source: GC1 R7 multi-agent council top-5 (S1 fin specialist).
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits 2,143+ signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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