听力原文： By failing to scan security codes in the magnetic strips on ATM and debit cards, many banks are letting thieves get away with an increasingly common fraud at a cost of several billion dollars a year. A report Tuesday from Gartner, a technology analyst firm, estimates that 3 million U.S. consumers were victims of ATM and debit-card fraud in the past year. The fraud most commonly begins when a criminal engages in 'phishing'--sending a legitimate-seeming e-mail with a link to a phony Web site that appears to belong to a consumer's bank, Gartner analyst Avivah Litan says. The e-mail recipients are asked to give their account information, including PIN numbers. With that information' harvested,' fraudsters can make their own cards for automated teller machines and withdraw huge sums. What is this passage about?