,,ii  #aae? ,,congress  #a/ ,session    
,s4 #edg  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #g1 #bjag,mrs4    
,gillibr& 7= h]self & ,ms4 ,coll9s7     
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,comm]ce1 ,sci5ce1 & ,transportation  ,a
 ,,bill  ,to prev5t mail1 telem>ket+1 & 
,int]net fraud t>get+ s5iors 9 ! ,unit$ 
,/ates1 to promote ef=ts to increase    
public aw>5ess ( ! enorm\s impact t     
mail1 telem>ket+1 & ,int]net fraud h on 
s5iors1 to educate ! public1 s5iors1 _! 
families1 & _! c>egiv]s ab\t h[ to      
id5tify & combat fraudul5t activity1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,s5ior ,f9ancial   
,emp[]m5t ,act ( #bjag4  #b4 ,f9d+s     
,congress makes ! foll[+ f9d+s3 7#a7 ,! 
proportion ( ! population ( ! ,unit$    
,/ates t is #fj ye>s ( age or old] w    
dra/ically increase 9 ! next #cj ye>s z 
m ?an #gf1jjj1jjj baby boom]s approa*   
retirem5t & old age4  7#b7 ,ea* ye>1    
any:]e betwe5 #ejj1jjj & #e1jjj1jjj     

s5iors 9 ! ,unit$ ,/ates are abus$1     
neglect$1 or exploit$4  7#c7 ,s5ior     
abuse1 neglect1 & exploitation h no     
b\nd>ies & cross all racial1 social     
class1 g5d]1 & geographic l9es4  7#d7   
,millions ( individuals 9 ! ,unit$      
,/ates are victims ( f9ancial           
exploitation1 includ+ mail1 telem>ket+1 
& ,int]net fraud1 ea* ye> & _m ( !      
individuals :o fall prey to ^! crimes   
are s5iors4  7#e7 ,x is difficult to    
e/imate ! preval5ce ( fraud t>get+      
s5iors because cases are sev]ely        
und]report$ & national /ati/ics on s5ior
 fraud d n exi/4  7#f7 ,! ,f$]al ,bureau
 ( ,inve/igation notes t a s5ior may be 
less likely to report fraud because !   
s5ior--  7,a7 does n "k to :om to report
 ! fraud2  7,b7 is a%am$ to h be5 a     
victim ( fraud2  7,c7 does n "k t !     
s5ior has be5 a victim ( fraud2 or  7,d7
 9 "s cases1 is conc]n$ t relatives may 
come to ! conclusion t ! s5ior no long] 
has ! m5tal capacity to take c>e ( !    
f9ancial affairs ( ! s5ior4  7#g7       

,accord+ to a #bjaa report by !         
,met,life ,mature ,m>ket ,in/itute1 !   
annual f9ancial loss by victims ( s5ior 
f9ancial abuse is e/imat$ to be at lea/ 
#b1ijj1jjj1jjj4  7#h7 ,z victims ( s5ior
 f9ancial abuse1 _m s5iors h be5 robb$ (
 _! h>d-e>n$ life sav+s1 & ev5 _! homes1
 & c suff] sev]e emotional &            
heal?-relat$ consequ5ces4  7#i7         
,p]petrators ( fraud t>get+ s5iors (t5  
op]ate outside ! ,unit$ ,/ates1 rea*+ _!
 victims ?r\gh ! mail1 telephone l9es1 &
 ! ,int]net4  7#aj7 ,! ,deceptive ,mail 
,prev5tion & ,en=cem5t ,act 7,public    
,law #ajf-afh2 #aac ,/at4 #ahjf7        
increas$ ! p[] ( ! ,unit$ ,/ates ,po/al 
,s]vice to protect consum]s aga9/ p]sons
 :o use deceptive mail+s1 su* z ^?      
featur+ games ( *ance1 sweep/akes1 skill
 conte/s1 & facsimile *ecks4  7#aa7     
,dur+ fiscal ye> #bjjg1 analy/s prep>$ m
 ?an #bg1jjj lett]s & in=mative po/c>ds 
9 response to mail fraud compla9ts4     
,dur+ t same fiscal ye>1 po/al          
inspectors inve/igat$ #b1iji mail fraud 

cases 9 ! ,unit$ ,/ates & arre/$ #a1bcf 
mail fraud suspects1 ( :om #a1aah 7     
convict$4 ,po/al inspectors also report$
 #afb telem>ket+ fraud inve/igations )  
#hc arre/s & #fa convictions result+ f !
 inve/igations4  7#ab7 ,9 #bjjj1 !      
,special ,committee on ,ag+ ( ! ,s5ate  
report$ t1 ea* ye>1 consum]s lose       
approximately #dj1jjj1jjj1jjj to        
telem>ket+ fraud & e/imat$ t            
approximately #aj p]c5t ( ! #ad1jjj     
telem>ket+ firms 9 ! ,unit$ ,/ates 7    
fraudul5t4  7#ac7 ,"s rese>*]s e/imate t
 only "o 9 #aj1jjj fraud victims reports
 ! crime to ! au?orities4  7#ad7 ,a     
#bjjc report by ,,a>p1 ,inc41 f\nd t !  
crime ( telem>ket+ fraud is grossly     
und]report$ among s5ior victims1 b t    
individuals :o are prop]ly c\nsel$ by   
tra9$ pe] volunte]s are less likely to  
fall victim to fraudul5t practices4     
7#ae7 ,! ,f$]al ,bureau ( ,inve/igation 
reports t ! ?reat ( fraud to s5iors is  
gr[+ & *ang+4 ,_m y\ng] baby boom]s h   
consid]able comput] skills & crim9als   

are modify+ _! t>get+ te*niques by us+ n
 only traditional telephone calls & mass
 mail+s1 b also onl9e scams l phi%+ &   
e-mail spamm+4  7#af7 ,! ,int]net ,crime
 ,compla9t ,c5t] is a p>tn]%ip betwe5 ! 
,national ,:ite ,coll> ,crime ,c5t] & ! 
,f$]al ,bureau ( ,inve/igation t s]ves z
 a vehicle to receive1 develop1 & ref]  
crim9al compla9ts reg>d+ cyb]crime4 ,!  
,int]net ,crime ,compla9t ,c5t] process$
 m ?an #bai1eec compla9ts ( ,int]net    
crime 9 #bjjg &1 f ^! submissions1 !    
c5t] ref]r$ #ij1jjh compla9ts ( ,int]net
 crime1 repres5t+ a total doll> loss (  
#bci1jij1jjj1 to ,f$]al1 ,/ate1 & local 
law en=cem5t ag5cies 9 ! ,unit$ ,/ates =
 fur!r consid]ation4  7#ag7 ,consum]    
aw>5ess is ! be/ protection f fraud4    
#c4 ,def9itions ,9 ?is ,act3 7#a7       
,commission ,! t]m ,commission means !  
,f$]al ,trade ,commission4  7#b7 ,s5ior 
citiz5 ,! t]m s5ior citiz5 means an     
individual :o is n y\ng] ?an #fe ye>s ( 
age4  #d4 ,in=mation & consum] education
 on mail1 telem>ket+1 & ,int]net fraud  

t>get+ s5ior citiz5s  7a7 ,c5traliz$    
s]vice  7#a7 ,dissem9ation ( in=mation  
,! ,commission1 aft] consultation ) !   
,attorney ,g5]al1 ! ,secret>y ( ,heal? &
 ,human ,s]vices1 ! ,po/ma/] ,g5]al1 !  
,*ief ,po/al ,inspector = ! ,unit$      
,/ates ,po/al ,inspection ,s]vice1 & !  
,int]net ,crime ,compla9t ,c5t]1 %all-- 
7,a7 dissem9ate to s5ior citiz5s & !    
families & c>egiv]s ( ! s5ior citiz5s   
in=mation--  7i7 reg>d+ mail1           
telem>ket+1 & ,int]net fraud t t>gets   
s5ior citiz5s1 includ+ descriptions ( ! 
mo/ common fraud s*emes2 &  7ii7 :i*    
%all be-- 7,i7 dissem9at$ 9 a way t is  
easily accessible & us]-fri5dly to s5ior
 citiz5s2 &  7,,ii7 proactive s z to    
tea* s5ior citiz5s ab\t scam & fraud    
prev5tion ?r\gh safe & sm>t f9ancial    
practices2 &  7,b7 ) respect to !       
in=mation describ$ 9 subp>agraph        
7,a77ii77,,ii7-- 7i7 update ! in=mation 
regul>ly to keep pace ) ! *ang+ nature (
 crim9al activity2 &  7ii7 include--    
7,i7 in/ructions on h[ to ref] a        

compla9t to ! appropriate law en=cem5t  
ag5cy2 &  7,,ii7 a national toll-free   
telephone numb]1 to be e/abli%$ by !    
,commission1 :i* %all-- 7aa7 h a live   
individual1 r ?an an automat$ s]vice1   
available to answ] calls f s5ior citiz5s
 :o are call+-- 7,,aa7 to seek advice on
 :]e & h[ to report in/ances ( fraud2 or
 7,,bb7 to ask que/ions ab\t issues     
relat+ to scams or fraud ( s5ior        
citiz5s2 &  7bb7 be simil> to ! ,fraud  
,hotl9e e/abli%$ by ! ,special          
,committee on ,ag+ ( ! ,s5ate4  7#b7    
,%>+ ( in=mation ,! ,commission %all--  
7,a7 ma9ta9 an ,int]net website t s]ves 
z a s\rce ( in=mation = s5ior citiz5s & 
! families & c>egiv]s ( s5ior citiz5s   
reg>d+ ! types ( fraud describ$ 9       
p>agraph 7#a77;,a77i72  7,b7 "w ) ,/ate 
en=cem5t ag5cies to create a national   
database t tracks in/ances ( fraud      
committ$ aga9/ s5ior citiz5s2 &  7,c7 9 
response to a specific reque/ ab\t a    
p>ticul> p]son1 provide publically      
available in=mation on any record ( a   

civil or crim9al law en=cem5t action    
tak5 aga9/ ! p]son = fraud t t>get$     
s5ior citiz5s4  7b7 ,implem5tation ,n   
lat] ?an #a ye> aft] ! date ( ! enactm5t
 ( ?is ,act1 ! ,commission %all e/abli% 
& implem5t proc$ures to c>ry out !      
requirem5ts ( ?is section4  #e4         
,education to c]ta9 entities reg>d+     
f9ancial exploitation ( s5ior citiz5s   
7a7 ,9 g5]al ,! ,commission %all1 9     
consultation ) ! appropriate ,f$]al     
f9ancial in/itutions 7z def9$ 9 section 
#h7;e77#g77;,d7 ( ! ,f$]al ,deposit     
,insurance ,act 7#ab ,u4,s4,c4          
#ahah7;e77#g77;,d7771 regulatory        
ag5cies1 ,/ate ag5cies1 & local ag5cies1
 conv5e & provide education to !        
entities describ$ 9 subsection 7b7      
reg>d+ ! legal obligations ( ^? entities
 & indu/ry be/ practices = ^? entities )
 respect to f9ancial exploitation &     
neglect ( s5ior citiz5s4  7b7 ,cov]$    
entities ,an entity describ$ 9 ?is      
subsection is-- 7#a7 a depository       
in/itution 7z def9$ 9 section #c7;c7 ( !

 ,f$]al ,deposit ,insurance ,act 7#ab   
,u4,s4,c4 #ahac7;c7772  7#b7 a cr$it    
(fice2  7#c7 a remittance transf]       
provid] 7z def9$ 9 section #ibj7;g7 ( ! 
,electronic ,fund ,transf] ,act 7#ae    
,u4,s4,c4 #afico-#a7;g7772  7#d7 a p]son
 :o di/ributes g5]al-use prepaid c>ds 7z
 def9$ 9 section #iae7;a77#b7 ( !       
,electronic ,fund ,transf] ,act 7#ae    
,u4,s4,c4 #aficl-#a7;a77#b7772 &  7#e7  
any individual :o-- 7,a7 is employ$ by a
 f9ancial in/itution2  7,b7 has access  
to ! f9ancial records ( s5ior citiz5s2 &
  7,c7 may be able to id5tify in/ances (
 eld] f9ancial abuse because (          
discrepancies 9 ^? f9ancial records4    
7c7 ,requir$ tra9+ ,a ,/ate ag5cy may n 
receive ,f$]al funds "u ?is ,act unless 
! ag5cy ensures t ! entities describ$ 9 
subsection 7b7 9 t ,/ate receive        
appropriate tra9+ t improves--  7#a7 !  
ability ( ! entities to recognize       
evid5ce ( f9ancial exploitation &       
neglect ( s5ior citiz5s2 &  7#b7 !      
und]/&+ ( ! entities ( ! report+        

requirem5ts 9 t ,/ate ) respect to      
f9ancial exploitation & neglect ( s5ior 
citiz5s4  7d7 ,implem5tation ,n lat] ?an
 #a ye> aft] ! date ( ! enactm5t ( ?is  
,act1 ! ,commission %all e/abli% &      
implem5t proc$ures to c>ry out !        
requirem5ts ( ?is section4  #f4 ,grant  
program to prev5t mail1 telem>ket+1 &   
,int]net fraud & = sci5tific rese>* on  
s5ior citiz5s' increas$ vuln]ability to 
scams  7a7 ,grant program  7#a7         
,au?orization ,! ,attorney ,g5]al may   
aw>d grants1 on a competitive basis1 to 
eligible entities to c>ry out fraud     
prev5tion activities design$ to protect 
s5ior citiz5s4  7#b7 ,eligible entities 
,= purposes ( ! grant program1 an       
eligible entity is any ,/ate attorney   
g5]al1 ,/ate or local law en=cem5t      
ag5cy1 s5ior c5t]1 or o!r ,/ate or local
 nonpr(it organization t provides       
assi/ance to s5ior citiz5s4  7#c7       
,priority ,9 aw>d+ grants "u ?is        
subsection1 ! ,attorney ,g5]al %all give
 priority to an eligible entity t has   

e/abli%$ a public-private p>tn]%ip ) a  
comput] or s(tw>e company t is focus$ on
 develop+ tools to enhance ,int]net scam
 prev5tion4  7#d7 ,au?orization (       
appropriations ,!re are au?oriz$ to be  
appropriat$ to ! ,attorney ,g5]al to    
c>ry out ?is subsection #e1jjj1jjj = ea*
 ( fiscal ye>s #bjah ?r\gh #bjbb4  7b7  
,rese>*  7#a7 ,9 g5]al ,! ,director ( ! 
,national ,in/itutes ( ,heal? %all      
conduct sci5tific rese>* relat$ to !    
increas$ vuln]ability ( s5ior citiz5s to
 scams & fraud due to age-relat$ heal? &
 neurological conditions4  7#b7         
,availability ( funds ,no additional    
am\nts are au?oriz$ to be appropriat$ to
 c>ry out ?is subsection4 ,am\nts to    
c>ry out ?is subsection %all be d]iv$ f 
am\nts n specifically appropriat$ to    
c>ry out ?is subsection4  #g4 ,s5se (   
,congress on ,national ,s5ior ,fraud    
,aw>5ess ,week ,x is ! s5se ( ,congress 
t-- 7#a7 !re is a ne$ to increase       
aw>5ess ( fraud t>get+ s5ior citiz5s2   
7#b7 a week 9 ,m>* ( ea* ye> %\ld be    

designat$ z ,national ,s5ior ,fraud     
,aw>5ess ,week to co9cide ) ! end (     
w9t]1 :i*-- 7,a7 is commonly a p]iod (  
increas$ isolation2 &  7,b7 prec$es tax 
season2  7#c7 ! p ( ! ,unit$ ,/ates %\ld
 obs]ve ,national ,s5ior ,fraud ,aw>5ess
 ,week ) relevant educational           
activities2 &  7#d7 ! ,presid5t %\ld    
issue a proclamation support+ increas$  
aw>5ess ( s5ior fraud4