Sponsors (3)
The bill improves coordination, transparency, and victim support for scam prevention and enforcement, but increases privacy risks, requires new government spending, and may misclassify complaints or cause reputational harms if data and definitions are not carefully managed.
Consumers and taxpayers will get clearer, consistent government definitions of 'scam' and harmonized scam data collection across agencies, enabling better cross-agency coordination and analysis to detect, prevent, and enforce against scams.
Victims, policymakers, and the public will see regular public reports of complaint counts and estimated dollar losses, increasing transparency about scam scale and trends.
Agencies will be required to measure and plan for training effectiveness, which should improve the quality of anti-scam outreach and victim assistance over time.
Taxpayers and consumers face increased privacy risks because centralized, harmonized scam data collection and published loss estimates could expose sensitive personal or payment information if not carefully protected.
Implementing new harmonized data systems, reporting requirements, and training metrics will raise agency costs that may be borne by taxpayers.
A single federal definition and reporting schema could misclassify some local- or industry-specific complaints, leaving some consumers without appropriate remedies or skewing enforcement priorities.
Based on analysis of 2 sections of legislative text.
Requires the FBI, with CFPB and FTC, to adopt a single scam definition, create a governmentwide anti-scam strategy, harmonize data collection, and report victim and loss estimates; agencies must publish complaint counts and loss estimates.
Requires the FBI, working with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and other agencies as appropriate, to create a governmentwide anti-scam strategy, adopt a single definition of “scam” and scam types, and explore harmonized data collection on scam incidents within 1 year of enactment. It also requires a governmentwide estimate of the number of consumers affected by scams and total dollar losses within 2 years, and directs the FBI, CFPB, and FTC to publish annual complaint counts and estimated losses and to set metrics and plans to measure anti-scam training effectiveness.
Introduced January 22, 2026 by Josh Harder · Last progress January 22, 2026