"Spoofing" occurs when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity. Spoofers masquerade as representatives of companies, including banks, or even government agencies in an attempt to obtain valuable personal information that can be used in fraudulent activity. U.S. law and FCC rules prohibit most types of spoofing.
Under the Truth in Caller ID Act, FCC rules prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value. Anyone who is illegally spoofing can face penalties of up to $10,000 for each violation. If no harm is intended or caused, spoofing is not illegal.
To avoid being spoofed:
Learn more from the FCC about stopping unwanted calls and texts, including how to report suspected spoofing.