According to the FBI, the term “white-collar crime” started in 1939. The term generally refers to businesses and government professionals, as opposed to blue-collar laborers. White-collar crimes involve deceit, violations of trust, and concealment. They generally involve money or valuable assets to obtain a business or personal advantage. White-collar crimes do not require force, though force can be used in the advancement of one. Victims are normally families or companies. The schemes are becoming more sophisticated with time. White-collar crimes include many different types of financial fraud, including Ponzi schemes, pyramid schemes, advance fee fraud, commodities fraud, market manipulation, embezzlement, counterfeiting, gambling, securities fraud, bank fraud, health care fraud, and promissory note fraud. White-collar crimes also include corporate fraud, falsifying financial information, and self-dealing by corporate insiders such as insider trading or tax violations.