Sponsors (2)
The bill creates a centralized, Senate‑confirmed federal office to coordinate scam detection, data‑sharing, and public education—improving prevention and response—but it raises privacy and oversight concerns, adds taxpayer costs, and includes a five‑year sunset that may limit long‑term stability.
State and local governments (and federal partners) will benefit from a single, Senate‑confirmed Director and central federal coordinator to align responses and speed incident response during major scam campaigns, reducing duplicated effort.
Financial institutions and private‑sector partners can share non‑personally identifiable scam data with the Office, improving detection and prevention of widespread scams that can harm consumers and the financial system.
The law requires public education efforts to help the general public avoid becoming victims of fraud and scams, potentially reducing consumer losses and increasing public awareness.
Individuals and companies face increased privacy and potential liability concerns because the Office has broad authority to accept and share data and civil‑action immunity for certain disclosures.
Expanding eligibility to include agencies like the Treasury, FCC, and FTC in intelligence‑community‑style activities could increase secrecy and reduce public oversight of some actions.
Creating a new Senate‑confirmed office and senior Director increases federal staffing and administrative costs, which are funded by taxpayers.
Based on analysis of 2 sections of legislative text.
Establishes a White House Office and Senate‑confirmed Director to coordinate national fraud and scam prevention, data sharing, and agency implementation.
Official title: To establish the Office of the National Fraud and Scam Prevention, and for other purposes.
Introduced December 11, 2025 by George Whitesides · Last progress December 11, 2025
Creates a new Office of the National Fraud and Scam Prevention inside the Executive Office of the President led by a Senate‑confirmed Director. The Director advises the President and coordinates federal policy, data sharing, and agency implementation on fraud and scam prevention, and must produce annual reports and policy recommendations. The Office will run a fraud data shield to permit non‑personal scam data sharing, review agency budgets for consistency with a national strategy, monitor implementation effectiveness across agencies, and recommend organizational and policy changes to improve prevention and coordination nationwide.