President Joe Biden ended the Covid-19 national emergency this past April, a little more than three years after the pandemic began. While the disease may no longer be an everyday crisis, the pandemic saw the emergence of a new problem: efforts by fraudsters to steal Covid-19 relief funds from the government.  While fraud schemes surrounding Covid have been well documented, a report from The Associated Press provided new figures that shed light on what the AP called "the greatest grift in U.S. history." In total, the outlet reported that $400 billion in Covid relief funds were stolen or lost, and that figure is "certain to grow as investigators dig deeper into thousands of potential schemes," the AP said.  The haphazard nature of the pandemic's early days, along with agency shortages and other problems, created an environment where "the grift was just way too easy," the AP reported. The government's relief funds represented a "sort of endless pot of money that anyone could access," Dan Fruchter, the chief of the fraud and white-collar crime unit for the Eastern District of Washington's U.S. Attorney's office, told the outlet. "Folks kind of fooled themselves into thinking that it was a socially acceptable thing to do, even though it wasn't legal." How much fraud has occurred? While there is no exact number, fraudsters "potentially stole more than $280 billion in Covid-19 relief funding," the AP reported. Another $123 billion was "wasted or spent," putting the total estimated fraud at $403 billion. This combined figure represents 10% of the $4.2 trillion in total relief sent out by the United States during the pandemic.  The agency in charge of dispersing the money, the Small Business Administration (SBA), began doling out funds at a rapid pace upon the start of the pandemic. The SBA handled two massive programs, the Paycheck Protection Program and the Covid-19 Economic Injury Disaster Loan. Both of these programs ended up giving out billions in relief funds as the pandemic raged.  In the initial rush by the SBA to get these funds out, "guardrails to protect federal money were dropped," the AP said, allowing fraudsters to swoop in. The SBA inspector general's office initially estimated that fraud from the Paycheck Protection Program had lost $20 billion to fraud and the economic injury disaster loan had lost $86 billion. However, with the AP's new report, the office is "expected in coming weeks to release revised loss figures that are likely to be much higher." What type of fraud was it? The scope of the payouts "has obscured multibillion-dollar mistakes," the AP reported. For example, an $837 billion IRS program succeeded in getting stimulus checks to the right taxpayers 99% of the time. However, the 1% failure rate caused nearly $8 billion to go to ineligible recipients, a Treasure Department spokesperson told the AP.  Other schemes have been more targeted. Medicare advocates across the country noticed "an eleventh-hour rise in complaints from beneficiaries who received [Covid] tests," NPR reported, even though the tests were never requested. These tests likely came from fraudsters who "may have been using, and could continue to use, seniors' Medicare information to improperly bill the federal government."  The fraud was "everywhere and the grift of fake businesses, stolen identities and other shenanigans ranged from epic steals to petty robbery," the Chicago Tribune reported. The Tribune cited one agency, the Ohio Department of Job and Family Services, at which there were "some $1 billion in 'fraudulent pandemic unemployment claims' and another $4.8 billion in 'overpayments.'" How many defendants have been charged? The government has charged more than 2,230 people with allegedly perpetrating Covid-19 fraud, according to a running tally from the AP. This represents a significant ramp-up in the past two years. By March 2021, the Justice Department had only charged 474 defendants with fraud-related crimes.  Biden has pressed for additional anti-fraud measures to be implemented. This includes investing $600 million "in fraud prevention and identity theft" and $600 million in resources "for investigations and prosecution of those engaged in major or systemic pandemic fraud," according to a White House fact sheet. The push appears to be somewhat productive, as one federal case alone "seized and recovered $286 million in stolen pandemic relief funds," the White House stated.