Sponsors (13)
The bill centralizes and updates federal anti‑scam strategy to better protect seniors and detect sophisticated, AI-enabled fraud, improving coordination and enforcement at the cost of higher taxpayer spending, privacy risks, and potential legal and administrative burdens for agencies and businesses.
Older adults, people with disabilities, and general consumers will get stronger, coordinated federal prevention, outreach, and enforcement against scams, improving timely warnings and support.
A FBI-led national strategy and updated common definitions will improve detection and disruption of AI-enabled and deepfake scams, reducing consumer losses and improving national resilience.
Federal agencies will have clearer roles and better coordination, cutting duplication and improving accountability and efficiency across enforcement and prevention programs.
Taxpayers will likely face higher federal costs because developing, updating, and staffing a coordinated national strategy requires new funding and resource reallocation.
Centralizing leadership at the FBI and enabling broad interagency data sharing increases privacy and civil‑liberties risks for consumers if oversight and limits are not strict.
Adopting a single government definition of “scam” risks being too broad or too narrow, which could inadvertently criminalize lawful conduct or leave harmful schemes outside enforcement reach.
Based on analysis of 4 sections of legislative text.
Directs the FBI to lead a multi-agency working group to produce a National Strategy for Combating Scams and requires the FBI, FTC, and CFPB to adopt a common definition of “scam.”
Requires the FBI to lead a multi-agency working group to develop a government-wide National Strategy for Combating Scams and a common definition of “scam.” The group must include many federal regulators and law enforcement agencies, solicit broad stakeholder input, analyze scope/risk/prevention approaches, define agency roles, and recommend data and coordination plans. The FBI, FTC, and CFPB must adopt the strategy’s recommended common definition within one year of publication (and update within one year of any revised definition).
Official title: To establish a national strategy for combating scams, and for other purposes.
Introduced December 4, 2025 by Gabe Amo · Last progress December 4, 2025