If the recent changes in the financial marketplace have you confused, you’re not alone. The financial institution where you did business last week may have a new name today, and your checks and statements may come with a new look tomorrow. A new lender may have acquired your mortgage, and you could be mailing your payments to a new location. The upheaval in the financial marketplace may spur scam artists to phish for your personal information.

You may receive attention-getting e-mails that look like they’re coming from the financial institution that recently acquired your bank, savings and loan, or mortgage. Their intent is to collect or capture your personal information, like your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information. Their messages may ask you to “update,” “validate,” or “confirm” your account information. For example, you may see messages like:

“We recently purchased ABC Bank. Due to concerns for the safety and integrity of our new online banking customers, we have issued this warning message… Please follow the link below to renew your account information.”

“We recently acquired the mortgage on your home and are in the process of validating account information. Please click here to update and verify your information.”

“During our acquisition of XYZ Savings & Loan, we experienced a data breach. We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below to confirm your identity.”

The messages direct you to a website that looks like the actual site of your new financial institution or lender. But it isn’t. It’s a bogus site whose purpose is to trick you into divulging your personal information so the operators can steal your identity and run up bills or commit other crimes in your name.

The Federal Trade Commission offers these tips to help you avoid falling victim to a phishing scam:

• Don’t reply to an e-mail or pop-up message that asks for personal or financial information, and don’t click on links in the message—even if it appears to be from your bank.

• Don’t cut and paste a link from the message into your Web browser, either. Phishers can make links look like they go one place, but actually redirect you to another.

• Some scammers send an e-mail that appears to be from an institution and asks you to call a phone number to update your account. Because of the technology they use, the area code you call does not reflect where the scammers are. To reach an institution you do business with, call the number on your financial statements.

•Use anti-virus and anti-spyware software, as well as a firewall, and update them regularly.

• Don’t e-mail personal or financial information. E-mail is not a secure way to send sensitive information.

• Review your financial account statements as soon as you receive them to check for unauthorized charges.

• Be cautious about opening any attachment or downloading any files from e-mails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer’s security.

• Forward phishing e-mails to spam@uce.gov—and to the institution or company impersonated in the phishing e-mail.

If you’ve been scammed, visit the Federal Trade Commission’s Identity Theft website at ftc.gov/id theft for important information on the next steps to take.

For more tips from the federal government and the technology industry about possible e-mail fraud and to help you be on guard against such fraud, secure your computer, and protect your personal information, visit www.OnGuardOnline.gov.