The Utah Department of Commerce has introduced a set of guidelines to help consumers avoid scams, encapsulated in the acronym WISER. This framework is designed to empower individuals to make informed decisions. The first letter, "W," stands for "Watch for red flags." Consumers are advised to be cautious when receiving phone calls from unknown numbers, especially if the caller claims to be from a bank and creates a sense of urgency. Katie Hass, the director for the Utah Division of Consumer Protection, emphasizes the importance of recognizing pressure tactics, whether from phone calls or door-to-door interactions. Next is the "I" for "Investigate and research." Consumers should take their time and set boundaries when approached for purchases. Hass suggests that individuals should feel comfortable delaying decisions to conduct thorough investigations. Utilizing business rating websites and reading customer reviews can provide valuable insights before making a purchase. The "S" stands for "Setting boundaries." Establishing personal policies, such as not making purchases from door-to-door salespeople, can prevent impulsive decisions. It's recommended to limit business interactions to trusted places and set a clear budget. The fourth letter, "E," encourages consumers to "Examine the fine print" of contracts. Many agreements contain important terms and conditions that require careful reading, particularly regarding cancellation policies and auto-renewals. Understanding the obligations outlined in contracts is crucial for consumers to protect themselves. Finally, the last letter, "R," represents "Reach out to a trusted person." Designating a family member or close friend as a trusted advisor can be beneficial during potentially questionable transactions. This relationship can provide support and guidance, ensuring that decisions are made with confidence. The Utah Department of Commerce provides various resources for consumers who want to be proactive against scams. More information can be found on the Division of Consumer Protections website.