A bill in the Maryland General Assembly would regulate cryptocurrency kiosks, the more than 700 ATM-like machines for virtual currencies around the state.

The FBI received more than 4,400 complaints about the kiosks in 2023, according to a report on cryptocurrency scams. Nearly 60% of complaints came from people over the age of 60.

The legislation would establish registration and operating requirements for the kiosks in the state, enforced by the Commissioner for Financial Regulation.

Tammy Bresnahan, senior director of advocacy for AARP Maryland, said crypto kiosks have become a new way for scammers to target people.

"These kiosks have become a haven for scammers to call people to say, 'There's a problem with your account. You need to take money -- $4,500 in cash -- and deposit it into this nearby cryptocurrency kiosk because your account has been compromised,'" Bresnahan explained.

The total losses from cryptocurrency kiosks in 2023 exceeded $150 million.

The FBI advised no legitimate law enforcement or government agency would call or message demanding payment with a cryptocurrency. Bresnahan pointed out one of the issues with kiosks is they are not required to provide a user a receipt for their transaction, making them hard to track.

"Operators must clearly disclose transaction fees and exchange rates," Bresnahan urged. "And there has to be some kind of receipt. It doesn't have to be a printed receipt, but it has to be some kind of detailed receipt, whether it's on the system or whether it comes out printed. Because, right now, when you put money in there, you don't get anything."

Other states, like Minnesota and Vermont, have already passed legislation regulating virtual currency kiosks.

In less than a week, many Wisconsinites will be unable to apply for Social Security benefits over the phone, which could lead to potential disruptions and challenges for millions as the nationwide change takes effect.

Starting April 14, seniors applying for retirement benefits or making direct deposit changes must do so online or in-person at a Social Security Administration office as part of a new identity verification process. The change comes in haste from the White House amid massive federal budget cuts which have already trimmed staff and resources at the agency.

Jim Flaherty, communications director for AARP Wisconsin, said calls to AARP's national call center have more than doubled in the last two months.

"They're concerned, and they're confused," Flaherty observed. "It is up to our President and our Congress to work in a bipartisan manner; this is not a partisan issue. They need to work together to make sure that this program remains strong and solvent for current and future generations."

People can qualify for Social Security benefits through retirement, disability or as a family member of someone who is eligible. More than 1.3 million Wisconsinites receive Social Security benefits. For now, those applying for disability, SSI and Medicare can continue to do so by phone.

There is also confusion about Social Security Administration office closures, which the agency said have been falsely reported but cuts to resources and services disproportionately affect rural and tribal communities. About one in five Wisconsinites would have to drive at least 46 miles from their home to the nearest Social Security office, while nearly half would have to drive at least 23 miles, according to the Urban Institute.

Flaherty emphasized for some, it is more than an inconvenience.

"For a lot of folks, Social Security makes up the majority of their retirement income," Flaherty pointed out. "Cuts to the program and services could be devastating for them. These are folks who are struggling to just to pay their rent or mortgage and put food on the table."

While the Trump Administration has said it will protect Social Security and changes are meant to address fraud and increase efficiency, Flaherty added people are understandably anxious about what could happen next.

"This is a very tough and serious situation that we want folks to be aware of," Flaherty stressed. "This is the time to call your members of Congress and say, 'Hey, you've got to do something before this April 14th deadline to extend this,' because it would be devastating for so many folks."

A local "Meals on Wheels" organization is forging ahead with an event to provide meals and personal care items to seniors in four Illinois counties, despite the looming uncertainty about federal funding helping to run the programs.

"March for Meals" brings community members and elected officials together, who volunteer to deliver and serve nutritious meals to seniors in Cook, Grundy, Kendall and Will counties.

Caitlin Wilson, manager of the Schaumburg Community Café, said they also help pack care bags to deliver to those who are homebound.

"Just to know that they're not alone," Wilson explained. "That we are here and they're not left just at home, that we are thinking about them."

Nationally, March for Meals commemorates the Older Americans Act and the funding it provides for nutrition programs for people in their 60s and older. The Illinois March for Meals event is March 31 at the Schaumburg Community Café.

Seniors make up about 22% of Illinois' population. Many statewide programs, including Meals on Wheels, rely on federal funding to keep running.

Every five years, Congress needs to reauthorize the Older Americans Act. The last time it happened was in 2020 and the funding expired in Sept. 2024. Wilson said the need is clear, even if its future is unclear under the new administration.

"We have seniors that come that this is their only source of socialization and even nutrition," Wilson pointed out. "It's definitely important that we continue our goal in the community, because we have those seniors that really depend on these programs."

Wilson added events like these are crucial to raising awareness about the need for senior services, and this year, the additional challenge of potential federal funding cuts.

"It's definitely a huge program and it is a huge impact, with the seniors not sure what's going on and what's going to happen," Wilson emphasized. "But we are here and it's important that we stay here."

Michigan is home to more than 470,000 veterans, yet many have never accessed the military benefits to which they are entitled. The gap in support prompted a local war veteran to take action.

During the COVID-19 pandemic, nearly 200 Michigan veterans died by suicide, well above the state's average, and the number is growing.

Joshua Parish, president of the nonprofit service organization VETLIFE and an Iraq War veteran, is working to change it. His organization, which started in 2018, provides veterans with sustainable resources, free events and community support to help them navigate civilian life. Parish said one of their flagship events called VetFest attracts more than 3,000 people at each event.

"We have 60 resource providers that help connect the dots," Parish explained. "What we're seeing is one month after the VetFest event, a 60% increase in veterans going down to their local resources, which is what we want."

Parish emphasized his main goal is to educate and empower veterans to be their own best advocate. He believes by doing so, it will decrease the veteran suicide rate.

More than 8 million U.S. veterans are 65 and older, nearly half of the veteran population. Many face isolation, depression and struggles transitioning to civilian life, even decades later. As a veteran, Parish has battled mental health challenges himself. He added many feel a loss of purpose and betrayed by the government they once served.

"If you can give these veterans or help cultivate the sense of purpose, the sense of identity, and just make them feel like a person again, I feel like that's going to drastically reduce the veterans' suicide rate," Parish contended.

Many veterans rely on VA pensions, Social Security or disability benefits, making it crucial for them to know and access the resources they have earned.