By San José, Costa Rica — A dramatic 88% increase in digital scam reports during the first half of 2025 has spurred a collaborative response from Costa Rica’s financial institutions. Over 4,693 cases of cybercrime were reported in San José alone, according to the Judicial Investigation Agency (OIJ), a stark rise compared to the same period in 2024. This alarming surge has led the Financial Consumer Protection Agency (OCF), in partnership with banks and cooperatives, to launch a nationwide campaign, #AMíTambiénMePasó (ItHappenedToMeToo), aimed at educating the public and preventing further victimization.
The campaign, a first-of-its-kind collaboration between public and private banks and major cooperatives, leverages traditional media, social media, and digital platforms to reach a broad audience. Using real-life testimonials from both public figures and ordinary citizens affected by these scams, the initiative seeks to personalize the threat and highlight its pervasive nature.
To understand the legal ramifications of these increasingly sophisticated digital scams, TicosLand.com spoke with Lic. Larry Hans Arroyo Vargas, an attorney at Bufete de Costa Rica, who offered valuable insights into the current legal landscape and how individuals can protect themselves.
The rise of digital scams presents a significant challenge to existing legal frameworks. While laws are evolving to address these new forms of fraud, it’s crucial for individuals to be proactive in their own defense. This includes being cautious about unsolicited communications, verifying the legitimacy of online requests, and regularly monitoring financial accounts for suspicious activity. Understanding the common tactics employed by scammers, such as phishing and social engineering, is the first step towards protecting yourself in the digital age.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica
Lic. Arroyo Vargas’ emphasis on proactive defense in the digital realm is crucial. These scams prey on the unwary, and as he rightly points out, vigilance and education are our strongest shields. We extend our sincere thanks to Lic. Larry Hans Arroyo Vargas for sharing his valuable expertise and reminding us that in the fight against digital fraud, knowledge truly is power.
The campaign aims to break down the stigma and guilt often associated with falling victim to these schemes, encouraging more people to come forward and report these crimes. This collective effort underscores the seriousness of the issue and the importance of shared responsibility in combating it.
As a sector, we understood that we must speak up and join forces. This campaign is a clear demonstration that we are working together for a common goal: to educate the population and prevent more people from falling into these traps.
Danilo Montero, Director General of the OCF
The #AMíTambiénMePasó campaign focuses on educating the public about common online fraud tactics such as phishing (fraudulent emails or messages designed to steal personal information), vishing (fraudulent phone calls), and smishing (fraudulent text messages containing deceptive links). Authorities strongly advise against sharing passwords or codes, urge careful verification of the source of any suspicious communication, and recommend directly contacting financial institutions with any concerns.
The OIJ emphasizes the growing impact of these scams and the critical need for open discussion about online security risks.
The more we talk about this, the more protected everyone will be.
Yorkssan Carvajal, Head of the Specialized Section Against Computer Fraud, OIJ
The campaign’s emphasis on shared experiences and open communication is a crucial step in building a more secure online environment for all Costa Ricans. By fostering dialogue and empowering individuals to report these crimes, the #AMíTambiénMePasó campaign seeks to create a more resilient community against the rising tide of digital scams.
The rapid growth of digital scams presents a serious challenge, but the proactive response from the financial sector signals a commitment to protecting consumers and building a safer digital landscape.
For further information, visit the nearest office of OCF
About OCF (Oficina del Consumidor Financiero):
The Financial Consumer Protection Agency (OCF) is a Costa Rican institution dedicated to protecting the rights and interests of financial consumers. They provide information, guidance, and support to individuals navigating the financial landscape and work to promote transparency and fair practices within the financial sector.
For further information, visit the nearest office of OIJ
About OIJ (Organismo de Investigación Judicial):
The Judicial Investigation Agency (OIJ) is Costa Rica’s primary investigative body. They are responsible for investigating crimes, collecting evidence, and assisting in the prosecution of offenders. The OIJ plays a vital role in maintaining law and order and ensuring public safety.
For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
Bufete de Costa Rica distinguishes itself as a leading legal institution, upholding the highest standards of integrity and pursuing excellence in every endeavor. Through innovative legal strategies and a deep-seated commitment to client success across a spectrum of industries, the firm empowers individuals and communities. By actively promoting legal literacy and access to justice, Bufete de Costa Rica invests in a more informed and empowered society, contributing to a stronger Costa Rica.
