The most common reason is that you have the camera in "record" mode (the mode for taking pictures).
You should have the camera in "playback" mode (the mode for looking at photos you have already taken).
Step by step:
Start from scratch.
Unplug cables from camera and computer.
Have computer turned-on and ready.
Click Start then click Computer
The computer should display your hard drives and Storage units on your computer.
Turn-on the camera.
Put the camera in "playback" mode.
(that is the camera mode you use to view pictures you have already taken)
Plug-in the USB cable to the camera.
Plug-in the other end of the USB cable to the computer.
You should see/hear the computer recognize the camera.
You should see your camera on the computer screen.
It may be displayed as a hard drive or as a removable storage device.
Double click the device (camera) and you will see several folders.
Examine each of the folders and you should find your pictures on one of the folders.
You can drag and drop the pictures to the computer, if you care to.
.......
If all of the above went well, the software you have been using should also recognize the camera now.
..
OS is windows 7 ultimate 64 bit
Camera is a Fujifilm JZ300
I have installed the appropriate software from the bundled CD.
The first import with some test photos worked fine. 3 times since I have tried to import photos from the camera and receive "access is denied" error from the Windows 7 camera wizard app. The Fuji application (MyFinePix Studio 1.0) reports a similar error.
I am the administrator account. There appears to be no way to set security rules on a digital camera, in the same way you can with a hard drive.
Please respond with any ideas you may have. I am frustrated beyond words.

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