Before the first date, one legal question.
In some states, dating before the divorce is final can cost you spousal support, get raised in a custody case, or — still, on the books — be a crime. Plus what the research says about introducing someone to your children, and who actually owns the apps.
Most advice about dating after divorce is somebody’s opinion in the voice of a rule. The “wait six months” kind of thing. So this page does the opposite: it labels every section with how good the evidence behind it is, and it leads with the part that is not opinion at all — the statutes that are still on the books in some states, quoted from those states’ own legislature sites.
This is general information, not advice about your case
The statutes quoted below are real and were read on the relevant state’s own official site. What none of them can tell you is whether any of it applies to you, because that depends on your state, your grounds, your separation date and your facts. If you are separated and not yet divorced, ask your own attorney before you start dating. That one question is cheaper than the answer you get by finding out later.
Five separate things, and most people want one of them. The first is the only one that can cost you money.
- The legal question. Dating before the divorce is final — support, custody, and the states where it is still a crime on paper.
- The apps. All twenty-one compared: who each says it is for, how the money works, and who owns it. Now on its own page.
- Romance fraud and safety. What the federal numbers actually show, and the four rules that matter.
- Telling the children. What the research says about introducing someone, and what it does not.
- Sexual health. Testing, and the conversation nobody has.
There is no evidence behind any of the 'wait X months before dating' rules.
The circulating rules – wait a year, wait half the length of the marriage, wait until the decree is signed – do not come from research. This review found no study, systematic review, or professional-body guidance that identifies a safe or optimal interval between separation and dating. The intervals that do matter are legal ones, set by statute in your state, and they are about conduct and money rather than about readiness.
The rules people repeat have no traceable origin in the research literature. No peer-reviewed study, no government health agency, and none of the professional-body guidance reviewed here (American Academy of Child and Adolescent Psychiatry, CDC) publishes a recommended waiting period before dating after a separation or divorce. The American Academy of Child and Adolescent Psychiatry's Facts for Families sheet on Children and Divorce, updated April 2026, does not mention a parent's dating or new relationships at all.
This is not the same as saying timing does not matter. It is saying that the specific numbers have been invented somewhere downstream of any evidence, and that a reader who is being told 'the research says wait a year' is being told something untrue.
Two things genuinely are time-sensitive, and both are legal rather than psychological. First, in some states conduct before a settlement agreement is signed or before a final order is entered carries consequences that the same conduct does not carry afterwards – South Carolina's alimony bar and Virginia's fault ground are both drafted around a specific cut-off date. Second, in some states moving in with a new partner can end spousal support. Those dates are set by statute, not by advice columns, and they differ by state.
The honest framing for a reader is therefore inverted from the usual one. The question is not 'have I waited long enough to be ready', which nobody can answer for you and no study has answered in general. It is 'what, in my state, changes on which date', which a lawyer can answer precisely.
What clinicians say
The American Academy of Child and Adolescent Psychiatry's Facts for Families sheets on Children and Divorce and on Stepfamily Problems (both updated April 2026) give guidance on children's adjustment and on when to seek a psychiatric evaluation, but neither sets out a recommended interval before a parent dates or introduces a partner. The absence is worth stating plainly: the professional bodies have not taken a position on the timing question that the internet answers with such confidence.
What is customary
Waiting until the decree is final before dating openly is common, and is often driven by lawyers' advice rather than by any belief about emotional readiness. It is a custom with a legal rationale, not a psychological finding.
What to do about it
- Write down the two dates that matter in your case – the date any written settlement agreement was or will be signed, and the date a final order is expected – and ask your attorney which of your state's rules attach to which date.
- Stop treating any number you have been given as a deadline. If someone tells you the research supports a specific interval, ask them which study.
- If you are asking 'am I ready', notice that this is a question about you and not a question the literature has answered; a therapist can help with it, a statistic cannot.
Population data measures remarriage, not dating – and the best national figures on it are thirty years old.
No US government statistical series measures when divorced people start dating. What exists measures the formation of new marriages and new households. The most-cited national figures come from the 1995 National Survey of Family Growth: 54 percent of divorced women had remarried within five years and 75 percent within ten. Those numbers describe women aged 15-44 in 1995 and should not be read as a description of the present.
The distinction matters more than it sounds. Dating is not a transition that appears in vital statistics or in household surveys. Marriage and cohabitation are. So every national number a reader is likely to encounter about 'moving on after divorce' is actually a number about remarriage or about a new person moving in, which happens far later and far less often than dating does. Anyone quoting a national statistic about when divorced people start dating is quoting something that does not exist.
The National Center for Health Statistics report First Marriage Dissolution, Divorce, and Remarriage: United States (Bramlett and Mosher, Advance Data No. 323, 2001), drawing on Cycle 5 of the National Survey of Family Growth conducted in 1995, found that 54 percent of divorced women had remarried within five years and 75 percent within ten years. The sample was women aged 15 to 44. Men were not covered, older divorcing adults were not covered, and the data are now three decades old.
Those caveats are load-bearing rather than decorative. The survey predates the internet dating market entirely, and it predates the rise in cohabitation as a substitute for remarriage. A person who repartners today may never appear in a remarriage statistic at all. The 1995 figures should be treated as historical, not current, and this research did not locate an equivalently authoritative and more recent national series.
The practical upshot for a reader is that there is no benchmark to measure yourself against. If you are wondering whether you are dating 'too early' or 'too late' relative to other people, the data to answer that has not been collected.
What to do about it
- Discount any claim about 'the average time people wait' – it is not measured.
- If you encounter a remarriage statistic, check whether it covers men, and check the survey year before treating it as current.
The 2 sources behind this
- First Marriage Dissolution, Divorce, and Remarriage: United States (Advance Data from Vital and Health Statistics No. 323). National Center for Health Statistics. 2001statistics
- Cohabitation, Marriage, Divorce, and Remarriage in the United States (Vital and Health Statistics Series 23, No. 22). National Center for Health Statistics. 2002statistics
Dating before the divorce is final can carry real legal consequences, and what those are depends entirely on your state.
In a number of states, sexual conduct while you are still legally married is a ground for divorce, can bar or reduce spousal support, can be raised in a custody case, and in a few states remains a criminal offense on the statute books. In other states none of that is true. The range is genuinely enormous and the difference is not a matter of degree. This is a question for your own attorney before you act, not after.
Separation is not divorce. Until a final decree is entered you are married, and every statute that attaches consequences to the conduct of a married person still applies to you. This is the single fact most often missed by people who have been physically separated for a year and reasonably feel single.
The consequences fall into four separate categories, and a state can attach any combination of them. First, fault grounds: adultery remains a statutory ground for divorce in some states. Second, spousal support: some states bar or reduce alimony where adultery is proven. Third, custody and parenting time: some states direct courts to weigh a parent's moral fitness insofar as it affects the child, and others expressly forbid courts from considering parental conduct that does not affect the parent-child relationship. Fourth, criminal law: a small number of states still have adultery offenses on the books.
Separately from all of that, a handful of states still permit civil suits by a spouse against the third party. North Carolina is the clearest surviving example, and it is the reason the risk is not always the reader's alone – a new partner can be the defendant.
The dates that trigger these rules vary and are drafted with precision. South Carolina's alimony bar attaches to adultery before the earlier of a signed written settlement agreement or a permanent order. Virginia's adultery ground reaches only adultery that occurred before the last separation of the parties, so post-separation conduct does not supply that ground in Virginia. North Carolina's third-party torts do not reach acts after the spouses physically separate with intent that the separation be permanent. Three states, three different cut-offs, all doing different work.
The individual topics that follow give the verified statutory text for specific states. They are examples chosen because the text could be read on the state's own legislature or court website. They are not a survey, they do not tell you what your state does, and a state not named here is not thereby safe. The Cusp's per-state pages are the place to start; your attorney is the place to finish.
One practical point that applies regardless of state: written and photographic evidence of a relationship, including dating-app profiles, messages, geolocated photographs and payment records, is routinely discoverable in a contested divorce. The question of whether conduct matters legally is separate from the question of whether it can be proved, and in the internet era the second question has become much easier to answer.
What is customary
Family lawyers commonly advise clients not to date openly, and specifically not to introduce a new partner to the children, until the case is resolved. This is advice about litigation risk and negotiating position rather than a claim about what is good for anyone, and clients are entitled to hear it described that way.
What to do about it
- Ask your attorney one specific question before you go on a date: 'In this state, and in my case, does a new relationship before the final order affect grounds, support, custody, or expose anyone to a claim?' Ask for the answer in writing.
- Ask the same attorney whether your state's rules turn on the date of separation, the date a written agreement is signed, or the date of the final order – the answer determines what, if anything, is safe now.
- Assume anything on a dating app, in a message, or in a photograph can end up in a court file.
- If a new partner exists, tell them the case is live and that in some states third parties can be sued. That conversation is theirs to have too.
The 3 sources behind this
- S.C. Code Ann. Section 20-3-130 (Title 20, Chapter 3). South Carolina Legislature. 2026guidance
- Va. Code Section 20-91, Grounds for divorce from the bond of matrimony. Virginia General Assembly / Virginia Law Portal. 2026guidance
- N.C. Gen. Stat. Section 52-13. North Carolina General Assembly. 2026guidance
In some states, proven adultery can bar spousal support outright – and the bar is written around a specific date.
South Carolina bars alimony to a spouse who commits adultery before the earlier of a signed written settlement agreement or a permanent order. Virginia bars permanent spousal support where the paying spouse can establish adultery as a ground, unless the court finds by clear and convincing evidence that denial would be a manifest injustice. Both are verified statutory text. Most states do not have a bar this hard, and some do not consider conduct at all.
South Carolina Code Section 20-3-130(A) provides: 'No alimony may be awarded a spouse who commits adultery before the earliest of these two events: (1) the formal signing of a written property or marital settlement agreement or (2) entry of a permanent order of separate maintenance and support or of a permanent order approving a property or marital settlement agreement between the parties.' The bar is absolute on its face – there is no discretion written into that sentence – and it runs to whichever of those two dates comes first. A South Carolina spouse who has been separated for two years and has not yet signed an agreement is inside the window.
Virginia Code Section 20-107.1(B) provides that 'no permanent maintenance and support shall be awarded from a spouse if there exists in such spouse's favor a ground of divorce under the provisions of subdivision A (1) of Section 20-91', which is the adultery ground. Virginia writes in an escape valve that South Carolina does not: the court may nonetheless award support if it 'determines from clear and convincing evidence, that a denial of support and maintenance would constitute a manifest injustice, based upon the respective degrees of fault during the marriage and the relative economic circumstances of the parties.'
Virginia's ground itself is narrower than its reputation. Section 20-91(A)(1) reaches adultery 'that occurred prior to the date of the last separation of the parties'. On the face of the statute, adultery after the last separation does not supply that ground – and so, on the face of Section 20-107.1(B), does not trigger that support bar. This is the kind of detail that inverts a reader's assumption entirely, and it is also the kind of detail that is fact-specific enough that no reader should act on it without counsel confirming how it applies to their own separation date.
The contrast between two neighboring southeastern states with hard-looking bars, one with an exception and one apparently without, and with different cut-off dates, is the strongest available illustration of why a general rule cannot be stated. Neither state's rule tells you anything about a third state's.
There is a second, quieter financial consequence that survives the divorce itself and is covered separately below: in some states, cohabiting with a new partner after the divorce can end spousal support.
What to do about it
- If spousal support is in play in your case, ask your attorney directly whether your state has a conduct bar, whether it has an exception, and what date it runs to.
- Do not assume a long separation has moved you outside the window – South Carolina's runs to a signing or an order, not to the separation.
The 3 sources behind this
- S.C. Code Ann. Section 20-3-130 (Title 20, Chapter 3, Divorce). South Carolina Legislature. 2026guidance
- Va. Code Section 20-107.1, Court may decree as to maintenance and support of spouses. Virginia Law Portal, Virginia General Assembly. 2026guidance
- Va. Code Section 20-91, Grounds for divorce from the bond of matrimony. Virginia Law Portal, Virginia General Assembly. 2026guidance
A few states still have criminal adultery statutes on the books, and at least one of them also criminalises the unmarried partner.
Wisconsin classifies adultery as a Class I felony, and the statute reaches both the married person and the person who has intercourse with someone married to another. Virginia's adultery statute remains in force as a Class 4 misdemeanour. Prosecutions are, so far as this research could establish, vanishingly rare – but the statutes exist, and their existence can matter in a divorce even when no prosecution follows.
Wisconsin Statute 944.16 provides: 'Whoever does either of the following is guilty of a Class I felony: (1) A married person who has sexual intercourse with a person not the married person's spouse; or (2) A person who has sexual intercourse with a person who is married to another.' Subsection (2) is the part readers do not expect. The unmarried new partner of a separated-but-not-divorced Wisconsin resident is within the terms of the statute.
Virginia Code Section 18.2-365 provides: 'Any person, being married, who voluntarily shall have sexual intercourse with any person not his or her spouse shall be guilty of adultery, punishable as a Class 4 misdemeanor.' The section was displayed as in force on the Virginia Law Portal, the Commonwealth's official code site, when checked on 22 August 2026.
The realistic risk is almost never prosecution. This research found no data source on the frequency of adultery prosecutions and makes no claim about it; the honest statement is that such prosecutions are widely understood to be extremely rare and that we could not verify a rate. The reason the statutes still matter is indirect and procedural: where conduct is a crime, a party questioned about it in a deposition or at trial may have a Fifth Amendment privilege against self-incrimination, and how that interacts with proving or defending a fault ground is a live tactical question in a divorce. That is a matter for counsel, and it is one of the clearest reasons to raise the subject with a lawyer before it comes up under oath.
These two states are examples verified on their own official sites. Other states have had such statutes and some have repealed them in recent years. This research did not attempt a fifty-state survey and no inference should be drawn about any state not named here.
What to do about it
- If you are separated and not yet divorced, ask your attorney whether your state has a criminal adultery statute and whether it affects how you should answer questions in discovery or at a deposition.
- If your state is one of these, understand that the exposure may not be yours alone.
In North Carolina a spouse can sue the new partner directly – but not for anything that happens after a permanent separation.
North Carolina still recognizes the civil claims of alienation of affection and criminal conversation, which are brought against the third party rather than against the spouse. North Carolina General Statute 52-13 limits them: no act after the spouses physically separate with intent that the separation be permanent can give rise to either claim, and any action must be brought within three years of the defendant's last act.
These are torts, not crimes, and the defendant is the new partner. That is what makes them unlike everything else in this section: the person exposed is the one who was never married to the plaintiff.
North Carolina General Statute 52-13 provides: 'No act of the defendant shall give rise to a cause of action for alienation of affection or criminal conversation that occurs after the plaintiff and the plaintiff's spouse physically separate with the intent of either the plaintiff or plaintiff's spouse that the physical separation remain permanent.' The same section provides that 'An action for alienation of affection or criminal conversation shall not be commenced more than three years from the last act of the defendant giving rise to the cause of action.'
The structure of that statute is worth reading carefully, because it does two opposite things at once. It confirms that the claims survive in North Carolina, which most people assume they do not exist anywhere. And it draws a bright line at permanent physical separation, which means the risk window closes earlier than a reader might fear – conduct after that point is outside the statute.
The intent element is the soft spot. The cut-off depends on the physical separation being accompanied by an intention, held by either spouse, that it be permanent. Where that intention arose and whether it can be proved are contestable questions of fact, which is precisely why a reader should not self-assess this.
This research verified the North Carolina statute only. A small number of other states are commonly said to retain one or both of these claims; that was not verified here and is not asserted.
What to do about it
- If you live in North Carolina and are separated but not divorced, ask your attorney whether the separation would be treated as permanent for the purposes of G.S. 52-13.
- If you are dating someone whose divorce is not final, ask which state they are in and whether third-party claims exist there. This is your exposure, not only theirs.
Whether a new relationship can be raised in a custody case depends on whether your state's statute lets a court look at conduct at all.
States take opposite positions in their own statutory text. Illinois directs that in allocating parenting time the court 'shall not consider conduct of a parent that does not affect that parent's relationship to the child'. Louisiana directs courts to weigh 'the moral fitness of each party, insofar as it affects the welfare of the child'. Both statutes contain a filter tied to the child. Neither treats a parent's private life as relevant on its own.
Illinois, 750 ILCS 5/602.7(c): 'In allocating parenting time, the court shall not consider conduct of a parent that does not affect that parent's relationship to the child.' The verb is 'shall not'. On the face of the statute, a parent's new relationship is off the table in an Illinois parenting-time allocation unless a link to the child is established.
Louisiana, Civil Code Article 134, lists the best-interest factors a court must consider, including factor (7), 'The moral fitness of each party, insofar as it affects the welfare of the child.' Louisiana permits the inquiry that Illinois forecloses – but only through the same filter. Moral fitness is not a free-standing factor; it is qualified by its effect on the child's welfare.
Reading the two together gives a reader something more useful than either alone. The difference between these states is real and consequential, but neither statute supports the fear that a judge will simply disapprove of a parent's dating life. In both, the question that has to be answered is what the conduct does to the child. What crosses that line in practice – exposing a child to a series of overnight partners, leaving a child with an unvetted adult, missing parenting time because of a new relationship, conflict in front of the child – is decided case by case by judges, and this research found no dataset on how they decide.
That last point deserves emphasis because it is where confident advice usually appears. This research located no study, and no professional-body guidance, quantifying how often a parent's new relationship affects a custody outcome or in what direction. Anyone who tells you dating 'always' or 'never' matters in custody is not reporting evidence.
Practical exposure is also driven by what can be documented. Where a state permits the inquiry, the material that gets produced is ordinary digital life: messages, photographs, social media, calendar entries, overnight patterns visible in a parenting-time log.
What clinicians say
The American Academy of Child and Adolescent Psychiatry's Facts for Families sheet on Children and Divorce (updated April 2026) states that 'Children will do best if they know that both of their parents will remain involved with them even though the marriage is ending', and directs parents whose children show signs of distress to their family doctor or pediatrician for referral to a child and adolescent psychiatrist. It does not address a parent's dating.
What is customary
Many parenting plans and separation agreements contain a negotiated clause restricting overnight guests during parenting time, sometimes for a fixed period after the decree. These are commonly agreed between the parties rather than imposed, and their frequency is not something this research could quantify. Where such a clause exists it is enforceable as part of the order, which makes it a more immediate constraint than the underlying statute.
What to do about it
- Read your own parenting plan or separation agreement for a clause about overnight guests or introducing third parties, before assuming your state's general rule governs.
- Ask your attorney which of the two models your state follows: conduct excluded unless it affects the child, or moral fitness weighed as a factor.
- Keep the child's routine unchanged while anything about a new relationship is unsettled. Under either model, disruption to the child is the thing that becomes visible to a court.
The 3 sources behind this
- 750 ILCS 5/602.7, Allocation of parental responsibilities: parenting time. Illinois General Assembly. 2026guidance
- Louisiana Civil Code Article 134, Factors in determining child's best interest. Louisiana State Legislature. 2026guidance
- Facts for Families: Children and Divorce (No. 1). American Academy of Child and Adolescent Psychiatry. 2026guidance
After the divorce, moving in with someone can end spousal support – in Virginia, after one year.
This is the financial consequence of dating that survives the final decree, and it is the one most often overlooked. Virginia Code Section 20-109(A) requires a court to terminate spousal support where the recipient has been habitually cohabiting with another person in a relationship analogous to a marriage for one year or more. The trigger is cohabitation, not remarriage, and the parties can contract around it.
Virginia Code Section 20-109(A) directs termination where 'the spouse receiving support has been habitually cohabiting with another person in a relationship analogous to a marriage for one year or more commencing on or after July 1, 1997'. Two exceptions appear in the same subsection: where the parties have 'otherwise provided by stipulation or contract', and where the receiving spouse proves that termination would be unconscionable.
Three features of that drafting matter to a reader. It does not require remarriage – a relationship 'analogous to a marriage' is enough, and what counts is litigated. It has a duration requirement, one year, so a new relationship does not put support at risk immediately. And it can be varied by agreement, which means the terms negotiated in the settlement may displace the statute entirely.
That last point is the actionable one. If you are receiving support and expect to repartner, the question of what your agreement says about cohabitation is worth answering before you move in with someone, not after. If you are paying support, it is worth knowing whether your agreement preserved this or bargained it away.
Virginia is the state whose text was verified here. Provisions of this general kind exist in a number of states with different triggers and different durations, and some states have no such provision. Do not read Virginia's one-year rule as a national default; this research did not survey other states.
What is customary
It is common for separation agreements to address what happens to support on cohabitation, and equally common for the clause to be more or less generous than the underlying statute. Whether one exists in a given agreement is a matter of what was negotiated.
What to do about it
- Find your settlement agreement and search it for the word 'cohabit'. What it says there may matter more than what your state's statute says.
- If you receive spousal support and are considering living with a partner, get advice on the consequences before the move, not after – in Virginia the clock runs from the start of cohabitation.
The research is about how many partners move through a child's life, not about how soon the first one is introduced.
The relevant body of work is the partnership-instability literature, and it studies the number of family structure transitions a child experiences, not the timing of an introduction. It finds associations between more transitions and worse socioemotional outcomes. How much of that association is caused by the transitions, and how much reflects pre-existing differences between the parents, is genuinely disputed – and the two most careful studies reach different conclusions.
The distinction between transitions and introductions is the whole point, and it changes what a parent should actually be careful about. A transition, in this literature, means a partner moving into or out of the household. Meeting a parent's date does not create a transition. Someone moving in, and later moving out, creates two. The literature therefore has nothing direct to say about whether to introduce someone at three months or at twelve, and a great deal to say about the accumulated churn of partners entering and leaving a child's home.
Fomby and Cherlin (American Sociological Review, 2007) examined whether children experiencing multiple family structure transitions have worse outcomes, using longitudinal data with information on maternal characteristics measured before the child's birth – which lets them ask whether the transitions or the mothers' pre-existing circumstances are doing the work. Their finding was substantially deflationary: for white children, the association between the number of family structure transitions and cognitive outcomes was 'largely explained by mother's prior characteristics', with a possible partial effect on behavioral outcomes remaining. Among Black children they found no significant effects of transitions.
Lee and McLanahan (American Sociological Review, 2015) revisited the question using the Fragile Families and Child Wellbeing Study and marginal structural models, a method designed to handle confounders that themselves change over time – a harder test than controlling for baseline characteristics alone. They reported effects that survived, and, importantly, that were not uniform. Transitions out of two-parent households showed stronger negative associations than transitions into them. Effects were more pronounced for socioemotional outcomes than for cognitive achievement. And they differed across racial and ethnic groups.
That asymmetry – leaving hurts more than arriving – is the most practically useful finding in the literature, and it points away from the conclusion most parents fear. It does not say that a new partner harms a child. It says that a partner who arrives and then leaves is the pattern associated with harm, which makes the relevant caution about the stability of the relationship you introduce rather than the speed at which you introduce it.
Both studies are observational. Neither randomly assigned anyone to repartner. Even marginal structural models rest on the assumption that the confounders measured are the ones that matter, and unmeasured differences between parents who repartner often and parents who do not remain a live alternative explanation. Effects, where found, were modest rather than dramatic; this research did not obtain the full effect-size tables from either paper, only the abstracts, and so does not quote specific coefficients.
No study located in this research examines the timing of a first introduction and child outcomes. If such work exists it was not found here, and no number about when to introduce a partner should be attributed to research.
Fomby and Cherlin (2007) concluded that much of the association between family instability and children's cognitive outcomes was explained by mothers' pre-existing characteristics rather than by the transitions, and found no significant effects among Black children. Lee and McLanahan (2015), using marginal structural models on the Fragile Families data, found effects that persisted after accounting for time-varying as well as time-constant confounding, concentrated in socioemotional outcomes and in transitions out of two-parent households. The disagreement is fundamentally about how much of the observed association is selection. It is not settled, and a reader should treat confident causal claims in either direction with suspicion.
What clinicians say
The American Academy of Child and Adolescent Psychiatry's Facts for Families sheet on Stepfamily Problems (updated April 2026) states that 'It may take several years for the blended families fully adjust', and that 'Most stepfamilies, when given the necessary time to work on developing their own traditions and to form new relationships, can provide emotionally rich and lasting relationships.' It advises considering a psychiatric evaluation where children show persistent feelings of being 'torn between two parents or two households', or prolonged anger, withdrawal, or loss of enjoyment in usual activities. The guidance is about adjustment once a stepfamily has formed; AACAP does not publish a recommended interval before introducing a partner.
What is customary
Waiting until a relationship is stable and expected to last before introducing children, and introducing a new partner as a friend in a neutral setting rather than at home, are widespread practices. They are consistent with what the instability literature finds – fewer people entering and leaving the child's home – but they are customs, and no study has tested either practice directly.
What to do about it
- Separate two decisions that usually get made together: when your children meet someone, and when someone moves in. The research bears on the second far more than the first.
- Before an introduction, ask yourself whether you would be comfortable if this person were still in your children's life in two years – the pattern associated with harm is arrival followed by departure.
- Keep the child's routine, home, school and time with the other parent unchanged around any introduction.
- If a child shows persistent withdrawal, anger, or a sense of being torn between households, AACAP's guidance is to seek an evaluation rather than to wait it out.
The 3 sources behind this
- Family Instability and Child Well-Being. American Sociological Review, 72(2), 181-204 (PMID 21918579). 2007study
- Family Structure Transitions and Child Development: Instability, Selection, and Population Heterogeneity. American Sociological Review, 80(4), 738-763 (DOI 10.1177/0003122415592129, PMID 27293242). 2015study
- Facts for Families: Stepfamily Problems (No. 27). American Academy of Child and Adolescent Psychiatry. 2026guidance
Telling the other parent before the children do is a custom, not a rule – and this research found no evidence on what it does to co-parenting.
It is common for separated parents to tell each other before a new partner meets the children, and common for parenting plans to require it. There is no evidence base establishing that doing so improves co-parenting or protects children, and this research found no study measuring what happens to a co-parenting relationship when one parent starts dating. What can be said is that a plan may already require notice, and that a requirement in an order is enforceable regardless of what anyone thinks of it.
Start with the document rather than the norm. Parenting plans and separation agreements frequently contain notification clauses – requiring a parent to inform the other before introducing a romantic partner to the children, or before a partner stays overnight during parenting time. Where such a clause exists it is part of the order, and complying with it is not optional. That is a much firmer footing than any general expectation.
Where no clause exists, the practice remains widespread. The usual rationale given is that a child who mentions a new adult to the other parent should not be the way that parent learns of it, because the reaction the child then witnesses is the harm. That rationale is plausible and this research found no study testing it.
This research located no research measuring the effect of one parent's repartnering on the quality of the co-parenting relationship. Studies of coresident partner transitions and co-parenting quality exist in the Fragile Families literature; the full text of the relevant article we could not retrieved during this research and its findings are therefore not reported here rather than reported approximately.
What the instability literature does support, indirectly, is the value of not disrupting the child's arrangements. Lee and McLanahan's finding that transitions out of two-parent households carry the stronger association is a finding about disruption. A dispute between parents that destabilises a parenting schedule is a disruption; a conversation in advance that prevents one is not a therapeutic intervention, but it is not nothing either.
None of this means the other parent gets a veto. Telling someone and asking permission are different acts, and outside of what an order requires, the second is not customary.
What is customary
Telling the other parent before, not after, an introduction to the children; giving the information plainly and without detail about the relationship; and treating it as notice rather than as a request for approval. Where a parenting plan requires notice, following the clause as written. All of this is common practice among separated parents and among family professionals; none of it rests on research.
What to do about it
- Check your parenting plan for a notification or overnight-guest clause before deciding what to do. If one exists, it governs.
- If you decide to tell the other parent, do it in writing, briefly, and before the children meet anyone – a short factual message is the form most co-parents use.
- Do not ask your children to keep a new relationship from their other parent. Putting a child in that position is the reliably bad option here.
Romance fraud is a large, government-measured crime, and the FBI describes its typical victim as an older divorced or widowed woman.
The FBI's Internet Crime Complaint Center recorded 23,159 confidence and romance fraud complaints in 2025, with reported losses of $929,287,469. Victims aged 60 and over accounted for 10,188 of those complaints and $584,032,745 of the losses. The FBI's own description of romance scam victims names divorced women explicitly. Reported figures are a floor, not a total, because most fraud is never reported.
The FBI's 2025 Internet Crime Report recorded 1,008,597 complaints across all categories and $20.877 billion in reported losses. Within that, the Confidence/Romance Fraud category accounted for 23,159 complaints and $929,287,469 in losses. Losses rose sharply with victim age: $25,097,693 for victims in their twenties, $74,644,395 for those in their forties, $131,385,454 for those in their fifties, and $584,032,745 for victims aged 60 and over. That last group made up 10,188 complaints – fewer than half the total – but nearly two-thirds of the money.
The Federal Trade Commission measures the same crime through a different system and reports different numbers, and the two are not comparable. The FTC's February 2023 Data Spotlight reported that nearly 70,000 people reported a romance scam in 2022 with losses of $1.3 billion and a median individual loss of $4,400, and gave a series of $493 million (2019), $730 million (2020), $1.3 billion (2021) and $1.3 billion (2022). The FTC's own online dating page still cites $547 million for 2021, an earlier figure for the same year – a useful reminder that these totals are revised upward as reports accumulate, and that any single-year number is provisional.
The most recent romance-specific figure the FTC has published is for 2023, in a blog post of 13 February 2024: 64,003 reports, $1.14 billion in reported losses, and a median individual loss of $2,000 – which the FTC describes as the highest reported losses of any form of imposter scam. Note what moved and what did not. Total losses fell against 2022; the median individual loss fell by more than half. That is not obviously good news, and we are not going to pretend to know what it means from two data points.
After that the trail goes cold, and it is worth saying why rather than filling the gap with something that looks like a number. The FTC's Consumer Sentinel Data Book for 2024 does not break romance out at all – it reports the combined imposter-scam category, 845,806 reports and $2.95 billion, which bundles romance together with government, business, tech-support and family impersonation. For 2025 the only romance figure the FTC has published is a partial one: a Data Spotlight of 27 April 2026 puts $298 million in reported losses to romance scams that began on social media, and says nearly 60 percent of people reporting a romance-scam loss in 2025 said it started there. That is a channel, not a total. The same Spotlight carries a footnote that matters more than most footnotes: reports were not collected by the FTC during the 2025 government shutdown, so every 2025 FTC figure is incomplete by an unknown amount.
You will see a $1.16 billion figure for 2025 romance losses in news coverage. It is not from an FTC report. It is a query someone ran against the FTC's public Explore Data tool covering the first nine months of the year, and it inherits the shutdown gap. We are not repeating it as a fact, and neither should anyone else.
On the specific question of whether the recently divorced are documented as vulnerable: the FBI states it directly. Its published account of romance scams describes victims as 'predominantly older widowed or divorced women targeted by criminal groups usually from Nigeria' who are 'for the most part, computer literate and educated' but 'also emotionally vulnerable.' This is an official law enforcement characterisation rather than a study, and it is about who is targeted rather than a measured risk ratio – but it is a direct answer, from a government source, and it names divorced people.
The Federal Trade Commission's Protecting Older Consumers report to Congress of December 2025, covering calendar year 2024, found that older adults were 39 percent more likely to report a loss on a romance scam than younger people once population size is accounted for, and that gift cards were again the most frequently reported payment method among older adults.
How the money leaves matters, because it determines whether it can come back. The FTC found that cryptocurrency and bank wires together accounted for more than 60 percent of reported romance scam losses in 2022, and that 24 percent of people who lost money used gift cards. All three methods are effectively irreversible. A request that money move by one of those routes is not a detail; it is the identifying feature.
Two structural caveats. First, all of these figures count reports, and romance fraud carries unusual shame, so under-reporting is presumed to be severe and the true totals are unknown. Second, the IC3 reports cryptocurrency investment fraud – $7.2 billion in 2025 – as a separate category from confidence and romance fraud, and does not publish a figure for how many of those investment frauds began as a romantic approach. The $929 million figure therefore understates the harm that starts with a relationship.
The FBI has separately warned that romance fraud victims are recruited as money mules, groomed over time and persuaded to open bank accounts used to move criminal proceeds. That converts a victim into a potential defendant, and it is a reason to treat any request to receive and forward money as serious rather than flattering.
What to do about it
- Adopt one rule with no exceptions: never send money, cryptocurrency, gift cards or wire transfers to someone you have not met in person. The FBI's guidance is 'Never send money to someone you meet online, especially by wire transfer.'
- Reverse-image-search the photographs on any profile before a first conversation. The FBI lists this first among its protective steps.
- Treat a refusal to video call, or a meeting that is always canceled at the last moment, as disqualifying rather than unlucky.
- If anyone asks to route money through your bank account for any reason, stop. That is money mule recruitment and it can make you a defendant.
- If it has already happened, report it at ic3.gov and to reportfraud.ftc.gov, and tell your bank immediately – speed is the only thing that ever recovers funds.
The 6 sources behind this
- 2025 Internet Crime Report. Federal Bureau of Investigation, Internet Crime Complaint Center (IC3). 2026statistics
- Data Spotlight: Romance scammers' favorite lies exposed. Federal Trade Commission. 2023statistics
- Protecting Older Consumers 2024-2025: A Report of the Federal Trade Commission. Federal Trade Commission. 2025statistics
- Romance Scams. Federal Bureau of Investigation. 2026guidance
- Cyber Actors Use Online Dating Sites To Conduct Confidence/Romance Fraud And Recruit Money Mules (PSA 190805). FBI Internet Crime Complaint Center. 2019guidance
- Online Dating. Federal Trade Commission. 2026guidance
The official safety guidance for meeting strangers online is short, specific, and almost entirely about verification and money.
The FBI's published advice is to search the person's photo and profile, go slowly and ask many questions, never send money to anyone you do not know personally, and never share financial details or a Social Security number. It flags three warning signs: a person who is too perfect or who quickly moves you off the dating platform, one who isolates you from friends and family or requests intimate photographs or financial information, and one who promises to meet in person but always has an excuse.
This guidance is professional-body and law-enforcement guidance rather than evidence. This research found no study demonstrating that any of these steps reduces harm. They are graded thin on that basis, and are worth following anyway because the cost of following them is close to zero.
The FBI's protective steps, quoted from its published guidance, are to 'Research the person's photo and profile using online searches', to 'Go slow and ask lots of questions', to 'Never send money to anyone you don't know personally', and, from the IC3 public service announcement, to 'Never provide credit card numbers or bank account information without verifying' identity and to 'Never share your Social Security number or other personally identifiable information.'
The single most diagnostic warning sign is the request to move off the platform. The FBI lists it first, alongside the person seeming 'too perfect'. Dating platforms retain messages, run moderation, and can be subpoenaed. Encrypted messaging apps do none of those things, which is why moving the conversation is usually the first thing a scammer asks for, and often within hours.
The isolation pattern the FBI describes – drawing someone away from friends and family – is worth naming separately for this readership, because a person recently out of a marriage may already be more isolated than usual and may experience intense attention as a relief rather than as a warning.
The safety advice for a physical first meeting is conventional and not, so far as this research could establish, published by a US federal agency in a form we could cite: meeting in a public place, arranging your own transport both ways, and telling someone where you are going and when to expect you. Those are described here as ordinary precautions rather than as sourced guidance, because we could not source them to an official body.
Two of the FBI's specific tips are worth repeating because they are unusually concrete. A reverse image search takes under a minute and defeats a large share of fabricated profiles. And a person who has never appeared on video, after weeks of intense correspondence, has told you something definite.
What is customary
Meeting in a public place, arranging your own transport in both directions, and telling a friend where you are going and when you expect to be back are near-universal first-date practices. This research could not source them to an official body; they are described here as custom.
What to do about it
- Reverse-image-search the profile photographs before you reply at length.
- Keep the conversation on the platform. Treat an early push to move to a private messaging app as a reason to stop, not as a compliment.
- Have a video call before meeting in person, and before any emotional or financial investment.
- Tell one person where you are going, who with, and when you will be back.
- Never share a Social Security number, bank details or card numbers with someone you met online, at any stage.
Most of the dating market belongs to two public companies, and one of them has settled Federal Trade Commission charges over how it sold subscriptions.
Match Group, Inc. owns Tinder, Hinge, Match, Meetic, OkCupid, Plenty of Fish, Azar, BLK, Pairs and, per its corporate site, HER, The League and Upward. Bumble Inc. owns Bumble, Badoo and BFF. The apps are free to download because the business model is subscriptions: Match Group reported $3.5 billion in revenue and 14.2 million payers in 2025. In August 2025 Match Group agreed to pay $14 million to resolve FTC charges over deceptive guarantee advertising, hard-to-cancel subscriptions, and locking out users who disputed charges.
Ownership first, because it is not obvious from the apps. Match Group's Form 10-K for the year ended 31 December 2024 names Tinder, Hinge, Match, Meetic, OkCupid, Pairs, Plenty Of Fish, Azar and BLK as its portfolio brands; the company's own corporate site additionally names HER, The League and Upward. Bumble Inc. states it is 'the parent company of Bumble, Badoo and BFF'; it sold Fruitz in July 2025 and discontinued Official. Grindr Inc. is a separate public company listed on the NYSE. eharmony belongs to ParshipMeet Group, alongside Parship, ElitePartner and LOVOO, which sits under ProSiebenSat.1 Media SE. A reader choosing between five apps may be choosing between two or three companies.
The business model explains most of what the apps do. Match Group's 10-K states that 'Many of our brands enable users to establish a profile and review other users' profiles without charge', and that direct revenue is 'primarily derived from users in the form of recurring subscriptions' with subscription 'packages (generally ranging from one week to six months)', plus smaller a la carte revenue and a much smaller advertising component. Free to join, paid to do the things that make it work.
The scale is worth stating because it clarifies the incentive. Match Group reported $3.5 billion in revenue for both 2024 and 2025, with 14.9 million payers in 2024 falling to 14.2 million in 2025. Tinder produced $1.9 billion in direct revenue in 2024 and Hinge $550 million. Bumble Inc. reported $965.7 million of revenue for 2025 and 3.7 million paying users, both down year on year. Grindr Inc. reported $439.9 million of revenue for 2025 and 15 million average monthly active users.
The much-repeated claim that dating apps are designed to keep you single is not something this research can support or refute – no filing states it and no study was found. What the filings do establish is narrower and sufficient: these are subscription businesses whose reported revenue depends on the number of people paying each month, and whose payer counts have been falling. That is a real structural fact about the incentive, and a reader can draw their own conclusion from it without anyone inventing a motive.
The Federal Trade Commission's action against Match Group is the concrete regulatory history. The FTC sued in September 2019. Its allegations included that Match sent advertisements to non-subscribers claiming someone had expressed interest in them when many of those contacts came from accounts the company had already flagged as fraudulent; that between June 2016 and May 2018 consumers purchased 499,691 subscriptions within twenty-four hours of receiving an advertisement touting a fraudulent communication; that in certain months between 2013 and 2016 'more than half of the instant messages and favorites' came from accounts flagged as fraudulent; and, citing the company's internal assessment, that '25 to 30 percent of Match.com members who register each day are using Match.com to attempt to perpetrate scams.' The FTC also alleged the six-month guarantee's conditions were not adequately disclosed, that the cancellation process violated the Restore Online Shoppers' Confidence Act – quoting Match's own employees describing it as 'hard to find, tedious, and confusing' – and that consumers who disputed charges were banned from services they had paid for.
On 12 August 2025 Match Group, Inc. and Match Group, LLC agreed to a stipulated final order resolving those charges: $14 million, and permanent obligations to disclose guarantee terms clearly, stop misrepresenting guarantee conditions, provide a simple cancellation mechanism, and stop retaliating against consumers who file billing disputes. The order names Match.com, OkCupid, PlentyOfFish and The League among the platforms. As is standard for a stipulated order, it resolves the charges without an admission of wrongdoing, and the allegations above are allegations. Match Group is the only online dating company named as an enforcement action on the FTC's own online dating page.
Two things a reader should take from that history. The scam-prevalence figures were the FTC's characterisation of Match's internal data as of the mid-2010s and should not be read as current rates on any platform today. And the conduct that was actually enjoined – guarantee terms, cancellation friction, lockouts after billing disputes – is billing conduct, which is what to watch when signing up.
What to do about it
- Before signing up, check who owns the app – joining three apps may mean signing three contracts with one company.
- Find the cancellation process before you subscribe, not after. Cancellation friction was the conduct the FTC actually enjoined.
- If a subscription is sold on a guarantee, read what the guarantee requires you to do to qualify. The FTC's case was substantially about undisclosed conditions.
- Subscribe through a route you can cancel yourself, and check the renewal date and price on the receipt.
The 8 sources behind this
- Match Group, Inc. Form 10-K for the fiscal year ended December 31, 2024. US Securities and Exchange Commission (EDGAR). 2025statistics
- Match Group Announces Fourth Quarter and Full-Year 2025 Results (Form 8-K, Exhibit 99.1). US Securities and Exchange Commission (EDGAR). 2026statistics
- About Match Group. Match Group, Inc.. 2026guidance
- Bumble Inc. Announces Fourth Quarter and Full Year 2025 Results. Bumble Inc. Investor Relations. 2026statistics
- Grindr Inc. Full Year 2025 Earnings Release (Form 8-K, Exhibit 99.1). US Securities and Exchange Commission (EDGAR). 2026statistics
- Match Group Agrees to Pay $14 Million, Permanently Stop Deceptive Advertising, Cancellation, and Billing Practices to Resolve FTC Charges. Federal Trade Commission. 2025guidance
- FTC Sues Owner of Online Dating Service Match.com for Using Fake Love Interest Ads To Trick Consumers into Paying for a Match.com Subscription. Federal Trade Commission. 2019guidance
- Our Group: Basic Principles, Annual Report 2024. ProSiebenSat.1 Media SE. 2025statistics
Whether to say you have children on a dating profile is a matter of custom, and the safety considerations run the other way from the honesty ones.
Saying that you have children, without naming them, showing their faces, or giving details that identify their school or neighborhood, is the common practice. There is no evidence base on whether disclosure improves outcomes. There is a specific and well-founded reason not to post identifiable images of children on a public profile, which is that a dating profile is visible to strangers by design.
Two separate questions get run together here. Whether to mention that you are a parent is a question about honesty and about filtering for compatible people, and it is entirely a matter of custom. Whether to post photographs of your children is a question about their safety and privacy, and it is not.
On the first: the widespread practice is to state that you have children and, often, their approximate ages, without names or images. The stated rationale is that it filters early for people unwilling to date a parent, and avoids a disclosure that lands as a concealment later. This research found no study testing whether disclosure on a profile improves match quality, relationship outcomes, or anything else. It is a custom, and the site should describe it as one.
On the second: a dating profile is designed to be shown to strangers, most of whom the user will never meet or vet. Photographs of children on such a profile are photographs shown to strangers. This is the same reasoning behind the FBI's advice not to share personally identifiable information with people met online, applied to a person who cannot consent. The common practice is to use photographs that do not show children's faces, and to avoid details – a school name, a team, a recognisable street – that would let a stranger locate them.
There is a third consideration specific to readers whose case is not finished. Where a divorce is live, a dating profile is a document. It has a creation date, it may be produced in discovery, and its contents can be put to you. That is a reason to be accurate on it, and a reason not to write anything about a co-parent on it.
Custody documents sometimes speak to this directly. Some parenting plans restrict what either parent may post about the children online. As with notification clauses, a term in an order outranks any general practice.
What is customary
Stating that you have children and roughly their ages; not naming them; not posting photographs in which their faces are identifiable; not naming a school, team, or neighborhood; and not discussing a former spouse on the profile. These are widespread conventions among parents who date online, and are described here as custom, not as advice with evidence behind it.
What to do about it
- Go through your current profile photographs and remove any in which a child's face is identifiable.
- Check whether your parenting plan restricts posting about the children online.
- If your divorce is not final, read your profile as though opposing counsel will read it aloud, because they may.
The research on rebound relationships points the opposite way from the folk wisdom – with caveats that matter a great deal here.
The one dedicated empirical study located found that people who started a new relationship sooner after a breakup reported higher wellbeing, higher self-esteem and more confidence in their desirability, and that people in new relationships had weaker residual feelings for their ex-partners. The associations were small to moderate and correlational. The samples were around 20 years old and mostly students, which is not this site's readership, and the authors themselves say the direction of causation is unresolved.
Brumbaugh and Fraley, 'Too fast, too soon? An empirical investigation into rebound relationships' (Journal of Social and Personal Relationships, 2015), ran two studies. Study 1 was prospective, 77 participants (60 women), mean age 20, assessed about seven months after a breakup, of whom 23 were in new relationships. Study 2 was cross-sectional, 236 participants (125 women), mean age 21.7, comparing 131 single people with 105 in relationships.
Among people who had begun a new relationship, a shorter time spent single was associated with higher wellbeing (meta-analyzed across the two studies, r = -0.28, p < .001), higher self-esteem (r = -0.19, p < .05) and greater dating confidence (r = -0.23, p < .05). Comparing partnered with single people, those in new relationships reported greater confidence in their desirability and weaker residual feelings for their former partner (Study 1 r = -0.43, p < .01; Study 2 r = -0.45, p < .01).
In plain terms: on these measures, faster was associated with better, and the people in new relationships were less hung up on their exes, not more. That is the opposite of the received wisdom that a rebound relationship is a way of avoiding grief that stores it up for later.
The caveats are serious and the authors state most of them. The correlations are small to moderate; an r of 0.28 describes a tendency, not a rule, and says nothing about any individual. The design cannot establish direction – as the authors put it, psychological states 'may have been a cause or impetus to become involved again', so it is entirely possible that people who were already doing better repartnered sooner rather than that repartnering made them better. The rebounding subsample in Study 1 was tiny. Study 2 was cross-sectional and assessed people roughly two years after their breakup. Both samples were majority women, college-aged, and drawn from relationships that were typically short.
That last point is the one this readership should weigh most heavily. A 20-year-old ending an 18-month relationship and a 47-year-old ending a 20-year marriage with children, a house and a support order are not the same phenomenon, and nothing in this study establishes that the finding transfers. This research found no equivalent study of post-divorce repartnering in middle adulthood. The honest position is that the best available evidence contradicts the folk wisdom, and that the best available evidence is not about people like the reader.
What does follow, modestly, is that a reader should stop treating 'this is just a rebound' as a diagnosis. There is no evidence for it as a category, and the little evidence there is runs against it.
The folk consensus, and much clinical writing, holds that relationships begun before grief is processed are avoidant and unstable. The only dedicated empirical study located here found associations in the opposite direction on wellbeing, self-esteem, confidence and residual attachment. The study is small, correlational and drawn from a young, mostly student sample, so this should be reported as evidence against the folk view rather than as its refutation.
What is customary
The belief that a relationship begun soon after a separation is inherently doomed, and that a period alone is required before a relationship can be real, is extremely widespread. It is a folk belief, and the one dedicated study located does not support it.
What to do about it
- Stop using 'rebound' as a reason to reject a relationship or to distrust your own judgment about one. There is no evidence base under the category.
- Judge a new relationship by how it is going, not by how soon it started.
- Note that this research is about wellbeing and attachment, not about whether the relationship lasts – that question was not answered by this study, and separately, the instability literature is a reason to be careful about who moves into a home with children.
Sexually transmitted infections are common, frequently symptomless, and testing is the only way to know.
CDC recorded 1,515,985 chlamydia cases, 543,409 gonorrhoea cases and 190,242 syphilis cases in the United States in 2024, on provisional data. CDC states plainly that 'STIs often have no symptoms, so you may not know you have one.' Someone who has been monogamous for many years has not been tested in many years, and neither has any new partner. Testing before a new sexual relationship, not after a symptom, is the practice CDC's guidance implies.
The national picture, from CDC's Sexually Transmitted Infections Surveillance, 2024, published as provisional as of 14 August 2025: 1,515,985 chlamydia cases, 543,409 gonorrhoea cases, 190,242 total syphilis cases of which 41,496 were primary and secondary. CDC noted that demographic and state-level breakdowns are not published until the 2024 data are final, so this research does not report an age breakdown and makes no claim about rates among older adults – a claim frequently made elsewhere that we could not verify from current CDC data.
The direction of travel has reversed, and most writing on this subject has not caught up. Announcing the 2024 provisional data on 24 September 2025, CDC reported that primary and secondary syphilis – the most infectious stages – declined for the second year running, down 22 percent since 2023; gonorrhoea declined for the third year running, down 10 percent; and chlamydia declined for the second year running, down 8 percent. US rates had risen for most of the preceding decade, and a great deal of dating-safety writing was written during that climb and still describes it. Three consecutive declining years is a real change in the trend. It is not a reason to skip a test: the absolute numbers above are still 1.5 million chlamydia cases in one year, and a falling rate tells you nothing about whether one particular person is infected.
The clinically important point is CDC's own: 'STIs often have no symptoms, so you may not know you have one. But even without symptoms, infections can cause serious health problems and spread to others.' Waiting for a symptom is not a screening strategy.
CDC's testing recommendations relevant to an adult re-entering dating: everyone aged 13 to 64 should be tested at least once for HIV; all sexually active women under 25 should be tested annually for gonorrhoea and chlamydia; and annual gonorrhoea and chlamydia testing is recommended for 'women who have new partners, multiple partners, or a partner who has an STI'. Gay and bisexual men and other men who have sex with men are advised to test annually for syphilis, chlamydia and gonorrhoea, and at least annually for HIV. CDC also notes syphilis testing for sexually active adults based on local prevalence, which means the right answer varies by where you live and is a question for a clinician.
The specific situation of a long marriage is worth naming because it defeats intuition. Neither a person's own status nor a new partner's is knowable from history: a partner may have been infected years ago and never had a symptom. That two people are middle-aged, careful and honest with each other does not substitute for a test.
CDC lists three routes to testing: a healthcare provider, FDA-approved at-home self-tests, and self-collection kits mailed to a laboratory. The last two matter for anyone who would otherwise not go, though a positive result on any of them needs a clinician.
Contraception is a separate question that this section does not cover and that a clinician should. So is the fact that a long-married person may not have used barrier protection in decades and may be out of practice with the conversation, which is a real obstacle and not a trivial one.
What clinicians say
This is a medical question rather than a psychological one. CDC's clinical guidance is the authority; a primary care clinician or a sexual health clinic is where an individual's testing schedule should be set.
What is customary
Testing before a new sexual relationship begins and telling a new partner the results, sometimes reciprocally, is a common practice. Its prevalence is not something this research could quantify.
What to do about it
- Book a full STI screen before, not after, a new sexual relationship starts – and ask your clinician which tests are right for your age, sex and local prevalence.
- If you have never been tested for HIV, do it once; CDC recommends that for everyone aged 13 to 64.
- Do not treat the absence of symptoms as information. CDC's position is that STIs often have none.
Keeping finances separate early is a custom without a study behind it – but the reasons it matters more after a divorce are documentable.
This research found no study on financial commingling in new post-divorce relationships. What can be documented is why the stakes are different: a divorced person's finances are often still legally entangled with the marriage, cohabitation can terminate spousal support in some states, and the FBI's and FTC's fraud data show that money moved to a new partner is usually irrecoverable. The practical rule – no shared accounts, no loans, no co-signing, no property in joint names until a relationship is established – is prudence, not evidence.
Say plainly what this is. No peer-reviewed study, government statistic, or professional-body guidance located in this research addresses financial commingling in new relationships after divorce. Everything in this topic is either a legal fact verified elsewhere in this section, a fraud statistic verified elsewhere in this section, or prudence. It is graded as custom on that basis.
The first documentable reason the stakes differ is that a divorced person's finances frequently remain tied to the marriage after the decree. Support obligations run for years. Property transfers, refinancing and retirement-account divisions can take months and sometimes fail. Money that arrives from or leaves toward a new partner during that period lands in the middle of an unfinished settlement.
The second is directly verified above: in Virginia, spousal support terminates where the recipient has been habitually cohabiting with another person in a relationship analogous to a marriage for one year or more. Moving in with someone is a financial act with a statutory consequence in some states, and the parties can have contracted around it in their agreement. That is a reason to read the agreement before combining households, not merely before combining accounts.
The third is the fraud data. The FTC found that cryptocurrency and bank wires accounted for more than 60 percent of reported 2022 romance scam losses and gift cards for 24 percent of the people who lost money – all routes chosen precisely because they cannot be reversed. The FBI's flat rule is 'Never send money to anyone you don't know personally.' The FBI also warns that victims are groomed into opening bank accounts to move criminal proceeds, which turns a financial favor into legal exposure.
A fourth consideration is specific to parents. Where support is calculated on income and resources, and where a court can revisit an order on a change in circumstances, a new partner's money moving through a household can become a discoverable fact. Whether it matters depends on the state and on the order.
The usual practical list – separate accounts, no lending, no co-signing, no adding anyone to a deed or a title, no shared credit – is unremarkable and is not this site's invention. It is worth following. It should not be dressed up as a finding.
What is customary
Keeping bank accounts, credit and property entirely separate in a new relationship until it is established and, often, until any remaining divorce-related transfers are complete; not lending money; not co-signing; and not putting a new partner on a deed, a title or a credit account. This is standard prudence advocated widely by financial professionals. This research located no study evaluating it.
What to do about it
- Finish the divorce's financial mechanics – transfers, refinancing, retirement-account division, beneficiary designations – before mixing anything with anyone new.
- Check your settlement agreement for what happens to support if you cohabit, before you move in with someone.
- Do not co-sign, lend, or add a new partner to an account, a deed or a title in the first stage of a relationship. Keep it separate until it is not new.
- Update beneficiary designations on life insurance and retirement accounts if the divorce is final and you have not done so – this is commonly overlooked and has nothing to do with dating.
The 3 sources behind this
- Va. Code Section 20-109, Changing maintenance and support for a spouse; cessation upon cohabitation, remarriage, or death. Virginia Law Portal, Virginia General Assembly. 2026guidance
- Data Spotlight: Romance scammers' favorite lies exposed. Federal Trade Commission. 2023statistics
- Romance Scams. Federal Bureau of Investigation. 2026guidance
What we earn from the links on this page
Nothing. No link on this page is an affiliate link, and no company has paid to appear here, to be described in any particular way, or to be placed anywhere in the order. If that ever changes it will say so here, next to the specific link, and not in a footer somewhere.
What we found when we went looking. We checked each company’s own website and its filings with the Securities and Exchange Commission. eharmony and Parship — both owned by ParshipMeet Group — publish an affiliate program on their own sites in the United States, the United Kingdom, Australia and Germany. The UK page offers commission on “completed registration questionnaires” as well as on six, twelve and twenty-four month subscriptions. That is worth knowing: on that program somebody can be paid when you fill in the free questionnaire, before you have spent anything. We are not on it.
Match Group, Bumble and Grindr: we found no affiliate program on their own domains or in their annual reports, and none of them says it has one either way. We are reporting that as not established rather than as no, because several of those sites refuse automated access entirely and we did not try to get around that. Two things we deliberately did not count: Bumble’s student ambassador scheme, which publishes no compensation terms at all, and the “affiliates revenue” line in Bumble’s annual report, which is money coming in from advertising rather than money paid out for referrals.
The thing you are most owed, though, is this: the market is far more concentrated than it looks. Match Group, Inc. owns Tinder, Hinge, Match, Meetic, OkCupid, Pairs, Plenty of Fish, Azar and BLK by its own annual report, and names HER, The League and Upward on its corporate site. Bumble Inc. owns Bumble, Badoo and BFF. So a list of six “different” apps is often a list of two companies. That is true whether or not any money changes hands.
Who actually uses these, with numbers
Two things everybody believes about dating apps. The first is true and the size of it is worth seeing. The second is not, and the survey that people cite for it says the opposite. All of the figures below are from the Pew Research Center’s own reports on its own surveys — not from a dating company’s marketing, and not from a blog quoting Pew.
The apps
All twenty-one now live on their own page, behind a table you can read in twenty seconds: what each one says it is for, how the money works, and who owns it — which is the column that changes how the list reads, because twenty-one apps are nothing like twenty-one companies.
Match, eharmony, Tinder, Hinge, Bumble, OkCupid, Plenty of Fish, Grindr, Christian Mingle, JDate, JSwipe, OurTime, SilverSingles, EliteSingles, Zoosk, LDS Singles, Coffee Meets Bagel, Facebook Dating, Raya, The League and Badoo. Ownership from company filings, pricing from what each company actually publishes, and a blank where no price is published rather than a number from somebody else’s blog. See all twenty-one →
Where to report something, and where to get checked
All four are US federal agencies or national professional bodies. All four are free.
FBI Internet Crime Complaint Center (IC3)Free
The US federal government's reporting channel for internet-enabled crime, including romance and confidence fraud, and the publisher of the annual Internet Crime Report.
Run by Federal Bureau of Investigation, US Department of Justice. Publicly funded.
Where to report romance fraud. The 2025 Internet Crime Report recorded 23,159 confidence/romance fraud complaints and $929,287,469 in losses. IC3 also publishes public service announcements on dating-site fraud and money mule recruitment.
Federal Trade Commission – report fraudFree
The FTC's fraud reporting channel and consumer guidance, including its online dating page and its Data Spotlight series on romance scams.
Run by Federal Trade Commission, an independent US federal agency. Publicly funded.
The FTC's online dating page carries consumer guidance and names Match Group, Inc. as the subject of its enforcement action. Reports are made at reportfraud.ftc.gov. FTC romance scam totals are revised upward over time as reports accumulate, so a figure for a given year may differ between FTC publications – the page currently cites $547 million for 2021 while the February 2023 Data Spotlight gives $1.3 billion for the same year.
CDC – Getting Tested for STIsFree
The US public health agency's guidance on who should be tested for sexually transmitted infections, how often, and by what route.
Run by Centers for Disease Control and Prevention, US Department of Health and Human Services. Publicly funded.
States that 'STIs often have no symptoms, so you may not know you have one.' Recommends HIV testing at least once for everyone aged 13 to 64, and annual gonorrhoea and chlamydia testing for women with new partners, multiple partners, or a partner who has an STI. The guidance is free; the testing itself may not be, and cost depends on insurance and on local public health provision.
AACAP Facts for FamiliesFree
Free plain-language guidance sheets from the professional body for child and adolescent psychiatrists, including Children and Divorce (No. 1) and Stepfamily Problems (No. 27).
Run by American Academy of Child and Adolescent Psychiatry, a US professional membership body.
Both sheets were updated April 2026. Stepfamily Problems states that 'It may take several years for the blended families fully adjust' and sets out when to seek an evaluation. Neither sheet addresses when a parent should begin dating or introduce a partner – a gap worth stating openly, since it is the question readers most want a professional body to have answered.
What we could not confirm about the apps
Some of these are gaps in what the companies publish, which is itself worth knowing. Not one of the twenty-one services below publishes a price on its public site.
- The price of any dating service. Not one of the twenty-one services profiled here publishes a subscription price on a page that could be read. eharmony states outright that pricing is only visible after you log in and click 'Upgrade to Premium'. Match Group's Form 10-K says prices 'can differ meaningfully within a given brand depending on the duration of a subscription, the bundle of paid features that a user chooses to access, and whether or not a user is taking advantage of any special offers'. Bumble's terms say pricing 'varies by a number of factors' and that it 'frequently offer[s] promotional rates'. No price should be published for any service on the strength of this research, and a reader should be told that the price they are shown may not be the price someone else is shown.
- Any corporate document showing how the former Spark Networks brands were transferred. Ownership is established from each brand's own legal pages and copyright notices – Black Cap Holdings, LLC for Jdate, JSwipe, Christian Mingle, Zoosk and LDS Singles; SuccessfulMatch.com, Inc. for EliteSingles and SilverSingles – but no filing, purchase agreement, insolvency record or regulator's document describing those transfers was located. Spark Networks SE deregistered with the SEC in November 2023, so there is no filing stream to check, and its corporate domains spark.net and sparknetworks.com are gone.
- Who owns Black Cap Holdings, LLC, and who owns SuccessfulMatch.com, Inc. Neither publishes a parent company, investor, or state of incorporation on its own site, beyond SuccessfulMatch.com, Inc. describing itself as a Delaware corporation in its service agreements. Neither is an SEC registrant.
- Anything about OurTime beyond its ownership. ourtime.com and help.ourtime.com both return HTTP 403 to automated access, and no attempt was made to work around that. Its interaction model, free-tier scope, stated audience, published safety features and prices are all unverified. Match Group's Form 10-K confirms OurTime is one of its brands but gives it no descriptive paragraph.
- OkCupid's and Match.com's own current terms, prices, free-tier limits and safety pages. http://www.okcupid.com returns HTTP 403 and http://www.match.com returns a Cloudflare block page to automated access. Everything reported for those two services comes from Match Group's SEC filing, Match Group's corporate site, and the FTC.
- Bumble's own plain-language explanation of who may send the first message. support.bumble.com returns HTTP 403, so the help-center articles on Opening Moves, ID verification and the Premium and Boost tiers we could not read. The mechanic reported here is taken from the wording of Bumble Inc.'s Form 10-K, which describes a 24-hour window in which 'members' must start a chat and an Opening Moves feature offered to women as an option.
- How eharmony originally marketed itself in its first years, and whether it was ever distributed or promoted as an explicitly Christian service. Archived copies of eharmony's own early site are hosted on web.archive.org, which this environment's egress policy blocks, and no attempt was made to work around that. Two things about the founder are established from primary sources – Fuller Theological Seminary's own institutional history records that Neil Clark Warren became dean of its School of Psychology in 1975, and the New Jersey Attorney General's office names him as eHarmony's founder – but the company's original marketing language is not established here and should not be asserted.
- The substance of the California litigation about eHarmony and same-sex matching. Only the New Jersey matter was verified, from the New Jersey Division on Civil Rights' own news release of 19 November 2008 and the settlement agreement PDF published with it. A separate California class action is widely referred to; no official court or regulator document for it was obtained here, and nothing about it is asserted.
- What Doe 1 v. Successfulmatch.com actually alleged. Federal court records show the case was filed in the Northern District of California on 19 July 2013 as No. 5:13-cv-03376 and terminated on 20 February 2015 by a stipulation to dismiss without prejudice, producing no judgment. The complaint itself was not read, the widely repeated damages figure associated with that company we could not verified from any court document, and no allegation is reported here.
- Any regulatory finding against Bumble Inc., Coffee Meets Bagel, Inc., Black Cap Holdings, LLC, SuccessfulMatch.com, Inc., Raya or eHarmony, Inc. other than the 2008 New Jersey civil rights settlement. None was found. Four of these are not SEC registrants, so there is no filing stream in which they would have to disclose one, and the FTC's online dating page names only Match Group. Absence of a finding here reflects the limits of this review and is not a clean record.
- Whether any service reviewed here runs criminal background checks. Every service that addresses the question in writing says it does not: Black Cap ('We do not conduct comprehensive criminal background checks on our members'), SuccessfulMatch.com ('the Company does not conduct any criminal background checks, background checks, or any other screening of its Members'), eharmony ('EHARMONY DOES NOT CURRENTLY CONDUCT CRIMINAL BACKGROUND SCREENINGS ON ITS MEMBERS'), EliteSingles and SilverSingles in their site footers. Match Group, Bumble, Grindr, Coffee Meets Bagel and Meta publish safety features but say nothing about background checks either way on the pages read. No service reviewed here was found to run them.
- Whether Pew's finding that younger and older users give the same reasons for online dating holds at the level of an individual app. Pew asked about reasons at the level of the user, not the platform, and did not publish intent broken down by which app a person used. So the popular claim that swipe apps are more casual cannot be confirmed or refuted for any specific app from Pew's data; what Pew does rule out is the age explanation for it.
- Any Pew data more recent than July 2022. Pew's most recent online dating report, 'From Looking for Love to Swiping the Field', was published 2 February 2023 from a survey fielded 5 to 17 July 2022, and its over-50 analysis followed in July 2023. No newer Pew survey on online dating was found. Every audience figure in this file is therefore four years old and should be dated when it is published.
- Whether the services other than eharmony pay third parties for sign-ups. This was addressed in the site's separate affiliate research and remains not established for Match Group, Bumble Inc. and Grindr Inc. Two additions from this research: EliteSingles and SilverSingles both carry a 'Become an Affiliate' link in their own site footers, so the operator of those two brands does run one.
Before you introduce anyone
What the research says about partner transitions, and how to tell whether a child needs more than time.
If this becomes a stepfamily
What the evidence supports about integration and discipline, and which of the famous numbers have no source.
The crime changed shape, and the version most safety advice describes is now the smaller half
Almost everything written about romance fraud describes the same scheme: someone builds an attachment over weeks, then asks for money for an emergency. That scheme still exists. It is no longer where the money goes. The dominant form now recruits through a dating app or a misdirected text, builds the relationship without ever asking for a loan, and then introduces a cryptocurrency trading platform that does not exist – showing fabricated gains until the victim has deposited everything, at which point the platform stops permitting withdrawals.
FinCEN named it in an alert of 8 September 2023, FIN-2023-Alert005, using the industry's own vocabulary: victims are called 'pigs' by scammers who leverage 'fictitious identities, the guise of potential relationships, and elaborate storylines to "fatten up" the victim into believing they are in trusted partnerships.' The alert reported that fraud involving cryptocurrency rose 183 percent from 2021 to $2.57 billion in reported losses in 2022. It also documents the part that makes this different in kind: a large share of the people sending these messages are themselves trafficked, working under coercion in scam compounds in Southeast Asia.
The scale is visible in what enforcement has recovered. On 14 October 2025 the Justice Department indicted Chen Zhi, founder and chairman of Cambodia's Prince Holding Group, for wire fraud conspiracy and money laundering conspiracy in connection with forced-labor scam compounds, and seized approximately 127,271 bitcoin, valued at approximately $15 billion – which the Department describes as the largest forfeiture action in its history. One organization. One case.
Why this matters for how you read a warning sign
The advice you will find everywhere is to be suspicious of anyone who asks you for money. That advice does not detect this scheme, because in this scheme nobody asks you for money. They invite you to invest your own, on a platform they control, and for a while it appears to work. The signal is not the request. It is the introduction of a trading platform, an app, a wallet or a 'financial adviser friend' by someone you have not met in person – regardless of how the relationship began, and regardless of whether they have ever asked you for a thing.
Two agency figures for scale, both flagged as what they are. The FBI's 2025 Internet Crime Report counts cryptocurrency investment fraud separately from confidence and romance fraud, and that separate category is the larger one by an order of magnitude. And the Commodity Futures Trading Commission, in a press release of 9 February 2026, put relationship investment scams at an estimated $10 billion a year – an agency estimate of the true size, not a count of reported losses, and it should not be quoted alongside the FTC and FBI reported-loss figures as though the three were measuring the same thing.
The first federal count of AI-driven fraud has been published, and romance is a named line in it
The FBI's 2025 Internet Crime Report contains the first dedicated artificial-intelligence fraud section IC3 has published: 22,364 complaints and approximately $893 million in losses attributed to AI-enabled fraud, of which roughly $19 million is attributed to confidence and romance scams with a likely AI nexus.
Read that $19 million carefully. It is not a measure of how much AI-assisted romance fraud happened. It is a measure of how much was identified as such, in the first year anyone counted, by an agency relying on victims and investigators to notice. A generated photograph that works is a photograph nobody flags. Treat the figure as the floor of a floor.
What follows from it is practical rather than statistical. Reverse image search still catches profiles built from a stolen real person's photographs, which remains the most common construction, and it is worth doing. It does not catch a face that was generated and has never appeared anywhere else. A live video call is the check that still works against both, which is why a persistent, well-explained reluctance to do one is worth more attention than any individual detail in a profile.
Sextortion is not only a teenagers' problem, and adults are the ones who pay
FinCEN issued a notice on financially motivated sextortion on 8 September 2025, FIN-2025-NTC2. It exists partly to correct an assumption: 'The perpetrators of financially motivated sextortion schemes can target anyone, with many victims being over the age of 18, according to law enforcement.'
In 2024 the FBI received nearly 55,000 sextortion and extortion reports with financial losses of $33.5 million, a 59 percent increase on 2023. The notice also records what victims typically pay, and the split is the part worth knowing: payments from minors run roughly $10 to $50, while adult victims typically pay $500 to $2,500. Adults are a minority of the coverage and the larger share of the money.
The relevance to this page is that these schemes frequently begin on dating and social platforms, with a fast escalation to video or images and then a demand. The two things that defeat it are both decided before anything is sent. First: an image sent to a stranger is permanently outside your control, and no assurance changes that. Second, if it has already happened – paying does not end it. The FBI's guidance is to stop responding, preserve everything, and report at ic3.gov. There is no version of this where you are the first person it has happened to, and the reporting figures above are the proof of it.
Two states require a dating app to tell you what it does not check, and one of them is Connecticut
Almost nobody knows these exist, and they are the only mechanism in US law that forces the disclosure this page has otherwise had to reconstruct from terms of service and SEC filings.
Connecticut. Conn. Gen. Stat. § 21a-437, enacted as Public Act 22-82, requires an online dating operator to 'clearly and conspicuously provide a safety awareness notification on the online dating platform to all Connecticut users.' The statute specifies its contents: use caution communicating with a stranger who wants to meet; do not put your last name, email, home address or phone number in a profile; tell someone where you are going and when you expect to return, provide your own transport, do not be collected from home, and meet in public. And one line that is doing more work than the rest of the statute combined: 'Anyone who is able to commit identity theft can also falsify a dating profile.'
New Jersey. The Internet Dating Safety Act, N.J. Rev. Stat. § 56:8-171 and following, does something more pointed. It does not require background screening. It requires a service that does not screen to say so – in bold capital letters in at least 12-point type, delivered through at least two of: email, a click-through acknowledgment, member profiles, or the signup pages. A service that does screen must disclose that too, must state whether people with convictions can still use the platform, and must warn that screenings are not foolproof and may create a false sense of security. Violations sit under the New Jersey Consumer Fraud Act.
What to do with this if you do not live in either state
The disclosures are drafted by state but they are almost never geofenced – a service that has to publish a screening disclosure for New Jersey generally publishes it everywhere. So go and read it. Search the app's help center or terms for 'background' and 'screening'. The disclosure a company is legally compelled to make is a better source than its marketing, and this page's own reading of those documents found several services stating in terms that they do not screen, do not verify names, ages, employment or relationship status, and that people required to register as sex offenders may be using the platform.
We could not find a comparable New York statute, and we looked. Claims that New York has one appear in secondary sources; we are recording it as not established rather than as false.