,in the ,senate of the ,united ,states1 ,december #ag1 #bjbj4 ,amendment3 ,that the bill from the ,house of ,representatives 7,h4,r4 #bfaj7 entitled ,an ,act to establish an office within the ,federal ,trade ,commission and an outside advisory group to prevent fraud targeting seniors and to direct the ,commission to study and submit a report to ,congress on scams targeting seniors and ,indian tribes1 and for other purposes41 do pass with the following ,strike all after the enacting clause and insert the following3 #a4 ,short title2 table of contents 7a7 ,short title ,this ,act may be cited as the ,fraud and ,scam ,reduction ,act4 7b7 ,table of contents ,the table of contents for this ,act is as follows3 ,sec4 #a4 ,short title2 table of contents4,,title ,i--,preventing ,consumer ,scams ,directed at ,seniors,sec4 #aja4 ,short title4,sec4 #ajb4 ,senior ,scams ,prevention ,advisory ,group4,,title ,,ii--,senior ,fraud ,advisory ,office,sec4 #bja4 ,short title4,sec4 #bjb4 ,office for the ,prevention of ,fraud ,targeting ,seniors4 ,i ,preventing ,consumer ,scams ,directed at ,seniors #aja4 ,short title ,this title may be cited as the ,stop ,senior ,scams ,act4 #ajb4 ,senior ,scams ,prevention ,advisory ,group 7a7 ,establishment ,there is established a ,senior ,scams ,prevention ,advisory ,group 7referred to in this title as the ,advisory ,group74 7b7 ,members ,the ,advisory ,group shall be composed of stakeholders such as the following individuals or the designees of those individuals3 7#a7 ,the ,chairman of the ,federal ,trade ,commission4 7#b7 ,the ,secretary of the ,treasury4 7#c7 ,the ,attorney ,general4 7#d7 ,the ,director of the ,bureau of ,consumer ,financial ,protection4 7#e7 ,representatives from each of the following sectors1 including trade associations1 to be selected by ,federal ,trade ,commission3 7,a7 ,retail4 7,b7 ,gift cards4 7,c7 ,telecommunications4 7,d7 ,wire-transfer services4 7,e7 ,senior peer advocates4 7,f7 ,consumer advocacy organizations with efforts focused on preventing seniors from becoming the victims of scams4 7,g7 ,financial services1 including institutions that engage in digital currency4 7,h7 ,prepaid cards4 7#f7 ,a member of the ,board of ,governors of the ,federal ,reserve ,system4 7#g7 ,a prudential regulator1 as defined in section #ajjb of the ,consumer ,financial ,protection ,act of #bjaj 7#ab ,u4,s4,c4 #edha74 7#h7 ,the ,director of the ,financial ,crimes ,enforcement ,network4 7#i7 ,any other ,federal1 ,state1 or local agency1 industry representative1 consumer advocate1 or entity1 as determined by the ,federal ,trade ,commission4 7c7 ,no compensation for members ,a member of the ,advisory ,group shall serve without compensation in addition to any compensation received for the service of the member as an officer or employee of the ,united ,states1 if applicable4 7d7 ,duties 7#a7 ,in general ,the ,advisory ,group shall-- 7,a7 collect information on the existence1 use1 and success of educational materials and programs for retailers1 financial services1 and wire-transfer companies1 which-- 7i7 may be used as a guide to educate employees on how to identify and prevent scams that affect seniors2 and 7ii7 include-- 7,i7 useful information for retailers1 financial services1 and wire transfer companies for the purpose described in clause 7i72 7,,ii7 training for employees on ways to identify and prevent senior scams2 7,,iii7 best practices for keeping employees up to date on current scams2 7,,iv7 the most effective signage and placement in retail locations to warn seniors about scammers' use of gift cards1 prepaid cards1 and wire transfer services2 7,v7 suggestions on effective collaborative community education campaigns2 7,,vi7 available technology to assist in identifying possible scams at the point of sale2 and 7,,vii7 other information that would be helpful to retailers1 wire transfer companies1 financial institutions1 and their employees as they work to prevent fraud affecting seniors2 and 7,b7 based on the findings in subparagraph 7,a7-- 7i7 identify inadequacies1 omissions1 or deficiencies in those educational materials and programs for the categories listed in subparagraph 7,a7 and their execution in reaching employees to protect older adults2 and 7ii7 create model materials1 best practices guidance1 or recommendations to fill those inadequacies1 omissions1 or deficiencies that may be used by industry and others to help protect older adults from scams4 7#b7 ,encouraged use ,the ,chairman of the ,federal ,trade ,commission shall-- 7,a7 make the materials or guidance created by the ,federal ,trade ,commission described in paragraph 7#a7 publicly available2 and 7,b7 encourage the use and distribution of the materials created under this subsection to prevent scams affecting seniors by governmental agencies and the private sector4 7e7 ,reports ,section #aja7;c77#b7 of the ,elder ,abuse ,prevention and ,prosecution ,act 7#cd ,u4,s4,c4 #bagaa7;c77#b77 is amended-- 7#a7 in subparagraph 7,c71 by striking and at the end2 7#b7 in subparagraph 7,d71 by striking the period at the end and inserting 2 and2 and 7#c7 by adding at the end the following3 7,e7 for the ,federal ,trade ,commission1 in relevant years1 information on-- 7i7 the newly created materials1 guidance1 or recommendations of the ,senior ,scams ,prevention ,advisory ,group established under section #ajb of the ,stop ,senior ,scams ,act1 and any relevant views or considerations made by members of the ,advisory ,group that were not included in the ,advisory ,group's model materials or considered an official recommendation by the ,advisory ,group2 7ii7 the ,senior ,scams ,prevention ,advisory ,group's findings about senior scams and industry educational materials and programs2 and 7iii7 any recommendations on ways stakeholders can continue to work together to reduce scams affecting seniors4 4 7f7 ,termination ,this title1 and the amendments made by this title1 ceases to be effective on the date that is #e years after the date of enactment of this ,act4 ,,ii ,senior ,fraud ,advisory ,office #bja4 ,short title ,this title may be cited as the ,seniors ,fraud ,prevention ,act of #bjbj4 #bjb4 ,office for the ,prevention of ,fraud ,targeting ,seniors 7a7 ,establishment of advisory office ,the ,federal ,trade ,commission shall establish an office within the ,bureau of ,consumer ,protection for the purpose of advising the ,commission on the prevention of fraud targeting seniors and to assist the ,commission with the following3 7#a7 ,oversight ,the advisory office shall monitor the market for mail1 television1 internet1 telemarketing1 and recorded message telephone call 7hereinafter referred to as robocall7 fraud targeting seniors and shall coordinate with other relevant agencies regarding the requirements of this section4 7#b7 ,consumer education ,the ,commission through the advisory office shall1 in consultation with the ,attorney ,general1 the ,secretary of ,health and ,human ,services1 the ,postmaster ,general1 the ,chief ,postal ,inspector for the ,united ,states ,postal ,inspection ,service1 and other relevant agencies-- 7,a7 disseminate to seniors and families and caregivers of seniors general information on mail1 television1 internet1 telemarketing1 and robocall fraud targeting seniors1 including descriptions of the most common fraud schemes2 7,b7 disseminate to seniors and families and caregivers of seniors information on reporting complaints of fraud targeting seniors either to the national toll-free telephone number established by the ,commission for reporting such complaints1 or to the ,consumer ,sentinel ,network1 operated by the ,commission1 where such complaints will become immediately available to appropriate law enforcement agencies1 including the ,federal ,bureau of ,investigation and the attorneys general of the ,states2 7,c7 in response to a specific request about a particular entity or individual1 provide publically available information of enforcement action taken by the ,commission for mail1 television1 internet1 telemarketing1 and robocall fraud against such entity2 and 7,d7 maintain a website to serve as a resource for information for seniors and families and caregivers of seniors regarding mail1 television1 internet1 telemarketing1 robocall1 and other identified fraud targeting seniors4 7#c7 ,complaints ,the ,commission through the advisory office shall1 in consultation with the ,attorney ,general1 establish procedures to-- 7,a7 log and acknowledge the receipt of complaints by individuals who believe they have been a victim of mail1 television1 internet1 telemarketing1 and robocall fraud in the ,consumer ,sentinel ,network1 and shall make those complaints immediately available to ,federal1 ,state1 and local law enforcement authorities2 and 7,b7 provide to individuals described in subparagraph 7,a71 and to any other persons1 specific and general information on mail1 television1 internet1 telemarketing1 and robocall fraud1 including descriptions of the most common schemes using such methods of communication4 7b7 ,commencement ,the ,commission shall commence carrying out the requirements of this section not later than one year after the date of the enactment of this ,act4 ,secretary