Which of the following groups can commit fraud?

Fraud can be committed by a variety of individuals or groups, each with different motivations and methods. The correct answer acknowledges that multiple entities can engage in deceptive practices.

Agents, who may represent another person or organization, can exploit their position to commit fraud by misrepresenting facts or engaging in dishonest behavior to benefit themselves or their clients. Consumers can also engage in fraudulent activities, such as using stolen identities or exploiting return policies. Agencies, whether governmental or private, can be involved in fraud by mismanaging funds or resources, misrepresenting their services, or manipulating information for personal or organizational gain.

Recognizing that all these groups have the potential to commit fraud highlights the complexity of fraudulent activities and the importance of vigilance and regulation in various contexts. It illustrates that fraud is not limited to one type of entity but is a broader issue that requires awareness and prevention efforts across different sectors.