Sponsors (2)
The bill centralizes federal coordination and enables data‑sharing to detect and prevent large fraud campaigns and educate the public, but it raises privacy risks, concentrates executive authority, reduces some liability incentives for private actors, and creates new costs for taxpayers.
Financial institutions, small businesses, and middle‑class families will get faster detection and coordinated federal response to large fraud campaigns, reducing aggregate losses and stopping ongoing scams more quickly.
Companies and researchers can share non‑personally identifiable scam data with reduced fear of civil liability, enabling private‑sector threat information sharing that supports prevention and quicker mitigation.
Improved public education efforts and enhanced private‑sector coordination will help everyday people recognize and avoid scams, reducing victimization for consumers and small businesses.
Middle‑class families and immigrant communities face increased risk that sensitive information could be mishandled if de‑identification is incomplete when broader data sharing is permitted.
Taxpayers may see concentrated executive authority because the Director is given expansive hiring, rulemaking, contracting, and detailee powers with limited statutory oversight.
Civil‑liability immunity for entities that share fraud data could reduce private actors' incentives to exercise caution and oversight, potentially lowering protections for consumers and businesses.
Based on analysis of 2 sections of legislative text.
Introduced December 11, 2025 by George Whitesides · Last progress December 11, 2025
Creates a new office inside the Executive Office of the President to coordinate national efforts against fraud and scams. The office, led by a Senate‑confirmed director paid at Executive Schedule level II, will centralize policy, information sharing of non‑personally identifiable scam data, incident response for large or damaging scam campaigns, private‑sector engagement, and international coordination, and will report annually to the President and Congress. The director has broad hiring and operational authorities, including limited direct‑hire staff, detailees (including from the intelligence community), rulemaking, and contracting powers, and the office provides civil‑liability immunity for good‑faith sharing of non‑PII scam data; the office sunsets five years after enactment.