Creates a Treasury‑led task force to study how artificial intelligence is used in banking and recommend ways to protect consumers from fraud, identity theft, and data theft. It recognizes that AI can improve services but also enables scams like voice deepfakes and other manipulated audio/video.

The task force must seek public input within 90 days and deliver a report to Congress within one year with risks, definitions, best practices, and recommended laws or rules. It dissolves 90 days after issuing its final report.