Sponsors (13)
The bill centralizes and coordinates federal anti‑scam efforts to deliver faster prevention, detection, and support—particularly helping older adults—but does so at the cost of higher federal spending, privacy/civil‑liberty risks, potential burdens on businesses, and the possibility of diverting resources away from victim services.
Older adults, people with disabilities, and other consumers will get more coordinated federal prevention, warnings, and outreach that should reduce scam losses and improve timely support.
All consumers and taxpayers may see stronger detection, disruption, and enforcement of AI-enabled and deepfake scams thanks to a national strategy and consolidated complaint/data reporting.
Financial institutions, businesses, and law enforcement will have clearer roles and better interagency coordination for rapid takedowns, transaction authentication, and investigations, improving fraud mitigation and reducing duplicated effort.
Taxpayers will likely face increased federal costs for creating, staffing, updating, and implementing a government-wide anti-scam strategy and associated systems.
Consumers’ privacy and civil liberties could be at greater risk from centralized leadership and broader data sharing/interoperability across law enforcement if limits and oversight are not strict.
Businesses and financial institutions may face regulatory burdens, compliance costs, or legal uncertainty if a single government definition of “scam” is too broad or poorly scoped and sweeps in legitimate conduct.
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, define “scam,” analyze risks and prevention, and require key agencies to adopt a common definition within one year.
Introduced December 4, 2025 by Gabe Amo · Last progress December 4, 2025
Creates a federally led plan to fight scams by directing the FBI to convene a multi-agency working group that will produce a National Strategy for Combating Scams. The working group must define “scam,” analyze risks and harms, identify prevention best practices and agency roles, consider a government-wide estimate of scam losses, and gather input from survivors, older adults, businesses, law enforcement, and community groups. After the Strategy is published, the FBI, FTC, and CFPB must adopt the common definition of “scam” within one year; they must also adopt any updated definition within one year of future Strategy updates.