Group 1 - The core issue highlighted is the illegal practices in the loan assistance and insurance sectors, where criminal groups exploit vulnerable individuals through fraudulent "rights protection" services and "insurance refund" schemes [1][3][5] - A recent court ruling in Shanghai has classified the actions of a criminal gang as extortion rather than fraud, marking a significant legal precedent in addressing illegal rights protection activities in the loan industry [3][4] - The criminal gang led by Zeng Moupeng was found to have illegally obtained personal information and used coercive tactics to extort financial institutions, resulting in significant financial losses [3][6] Group 2 - In the insurance sector, a similar case involved a gang that created false advertisements for full insurance refunds, charging clients fees while systematically fabricating evidence to pressure insurance companies [5][6] - The court recognized the involvement of ordinary policyholders in the criminal activities, establishing that anyone participating in evidence fabrication and coercive complaints could be held criminally liable [5][6] - The tactics employed by these criminal organizations specifically target financially vulnerable groups, such as the elderly and individuals with poor credit histories, exploiting their lack of financial knowledge [8][9] Group 3 - Common scams related to credit repair include fabricating credit issues, charging high fees for unfulfilled promises, and misleading individuals into believing they can learn credit repair techniques through fraudulent training programs [9][10] - The Ministry of Public Security has clarified that any claims of paid credit repair services are fraudulent, emphasizing that no entity has the authority to alter accurate credit records [10]