,9 ! ,s5ate ( ! ,unit$ ,/ates1 ,decemb] #ag1 #bjbj4 ,am5dm5t3 ,t ! bill f ! ,h\se ( ,repres5tatives 7,h4,r4 #bfaj7 entitl$ ,an ,act to e/abli% an (fice )9 ! ,f$]al ,trade ,commission & an outside advisory gr\p to prev5t fraud t>get+ s5iors & to direct ! ,commission to /udy & submit a report to ,congress on scams t>get+ s5iors & ,indian tribes1 & = o!r purposes41 d pass ) ! foll[+ ,/rike all aft] ! enact+ clause & ins]t ! foll[+3 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,fraud & ,scam ,r$uction ,act4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4,,title ,i--,prev5t+ ,consum] ,scams ,direct$ at ,seniors,sec4 #aja4 ,%ort title4,sec4 #ajb4 ,s5ior ,scams ,prev5tion ,advisory ,gr\p4,,title ,,ii--,s5ior ,fraud ,advisory ,office,sec4 #bja4 ,%ort title4,sec4 #bjb4 ,(fice = ! ,prev5tion ( ,fraud ,t>get+ ,s5iors4 ,i ,prev5t+ ,consum] ,scams ,direct$ at ,s5iors #aja4 ,%ort title ,?is title may be cit$ z ! ,/op ,s5ior ,scams ,act4 #ajb4 ,s5ior ,scams ,prev5tion ,advisory ,gr\p 7a7 ,e/abli%m5t ,!re is e/abli%$ a ,s5ior ,scams ,prev5tion ,advisory ,gr\p 7ref]r$ to 9 ?is title z ! ,advisory ,gr\p74 7b7 ,memb]s ,! ,advisory ,gr\p %all be compos$ ( /akehold]s su* z ! foll[+ individuals or ! designees ( ^? individuals3 7#a7 ,! ,*airman ( ! ,f$]al ,trade ,commission4 7#b7 ,! ,secret>y ( ! ,treasury4 7#c7 ,! ,attorney ,g5]al4 7#d7 ,! ,director ( ! ,bureau ( ,consum] ,f9ancial ,protection4 7#e7 ,repres5tatives f ea* ( ! foll[+ sectors1 includ+ trade associations1 to be select$ by ,f$]al ,trade ,commission3 7,a7 ,retail4 7,b7 ,gift c>ds4 7,c7 ,telecommunications4 7,d7 ,wire-transf] s]vices4 7,e7 ,s5ior pe] advocates4 7,f7 ,consum] advocacy organizations ) ef=ts focus$ on prev5t+ s5iors f becom+ ! victims ( scams4 7,g7 ,f9ancial s]vices1 includ+ in/itutions t engage 9 digital curr5cy4 7,h7 ,prepaid c>ds4 7#f7 ,a memb] ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em4 7#g7 ,a prud5tial regulator1 z def9$ 9 section #ajjb ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha74 7#h7 ,! ,director ( ! ,f9ancial ,crimes ,en=cem5t ,network4 7#i7 ,any o!r ,f$]al1 ,/ate1 or local ag5cy1 indu/ry repres5tative1 consum] advocate1 or entity1 z det]m9$ by ! ,f$]al ,trade ,commission4 7c7 ,no comp5sation = memb]s ,a memb] ( ! ,advisory ,gr\p %all s]ve )\t comp5sation 9 addition to any comp5sation receiv$ = ! s]vice ( ! memb] z an (fic] or employee ( ! ,unit$ ,/ates1 if applicable4 7d7 ,duties 7#a7 ,9 g5]al ,! ,advisory ,gr\p %all-- 7,a7 collect in=mation on ! exi/5ce1 use1 & success ( educational mat]ials & programs = retail]s1 f9ancial s]vices1 & wire-transf] companies1 :i*-- 7i7 may be us$ z a guide to educate employees on h[ to id5tify & prev5t scams t affect s5iors2 & 7ii7 include-- 7,i7 useful in=mation = retail]s1 f9ancial s]vices1 & wire transf] companies = ! purpose describ$ 9 clause 7i72 7,,ii7 tra9+ = employees on ways to id5tify & prev5t s5ior scams2 7,,iii7 be/ practices = keep+ employees up to date on curr5t scams2 7,,iv7 ! mo/ effective signage & placem5t 9 retail locations to w>n s5iors ab\t scamm]s' use ( gift c>ds1 prepaid c>ds1 & wire transf] s]vices2 7,v7 sugge/ions on effective collaborative community education campaigns2 7,,vi7 available te*nology to assi/ 9 id5tify+ possible scams at ! po9t ( sale2 & 7,,vii7 o!r in=mation t w\ld be helpful to retail]s1 wire transf] companies1 f9ancial in/itutions1 & _! employees z !y "w to prev5t fraud affect+ s5iors2 & 7,b7 bas$ on ! f9d+s 9 subp>agraph 7,a7-- 7i7 id5tify inadequacies1 omissions1 or defici5cies 9 ^? educational mat]ials & programs = ! categories li/$ 9 subp>agraph 7,a7 & _! execution 9 rea*+ employees to protect old] adults2 & 7ii7 create model mat]ials1 be/ practices guidance1 or recomm5dations to fill ^? inadequacies1 omissions1 or defici5cies t may be us$ by indu/ry & o!rs to help protect old] adults f scams4 7#b7 ,enc\rag$ use ,! ,*airman ( ! ,f$]al ,trade ,commission %all-- 7,a7 make ! mat]ials or guidance creat$ by ! ,f$]al ,trade ,commission describ$ 9 p>agraph 7#a7 publicly available2 & 7,b7 enc\rage ! use & di/ribution ( ! mat]ials creat$ "u ?is subsection to prev5t scams affect+ s5iors by gov]nm5tal ag5cies & ! private sector4 7e7 ,reports ,section #aja7;c77#b7 ( ! ,eld] ,abuse ,prev5tion & ,prosecution ,act 7#cd ,u4,s4,c4 #bagaa7;c77#b77 is am5d$-- 7#a7 9 subp>agraph 7,c71 by /rik+ & at ! end2 7#b7 9 subp>agraph 7,d71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7,e7 = ! ,f$]al ,trade ,commission1 9 relevant ye>s1 in=mation on-- 7i7 ! newly creat$ mat]ials1 guidance1 or recomm5dations ( ! ,s5ior ,scams ,prev5tion ,advisory ,gr\p e/abli%$ "u section #ajb ( ! ,/op ,s5ior ,scams ,act1 & any relevant views or consid]ations made by memb]s ( ! ,advisory ,gr\p t 7 n includ$ 9 ! ,advisory ,gr\p's model mat]ials or consid]$ an (ficial recomm5dation by ! ,advisory ,gr\p2 7ii7 ! ,s5ior ,scams ,prev5tion ,advisory ,gr\p's f9d+s ab\t s5ior scams & indu/ry educational mat]ials & programs2 & 7iii7 any recomm5dations on ways /akehold]s c cont9ue to "w toge!r to r$uce scams affect+ s5iors4 4 7f7 ,t]m9ation ,?is title1 & ! am5dm5ts made by ?is title1 ceases to be effective on ! date t is #e ye>s aft] ! date ( enactm5t ( ?is ,act4 ,,ii ,s5ior ,fraud ,advisory ,(fice #bja4 ,%ort title ,?is title may be cit$ z ! ,s5iors ,fraud ,prev5tion ,act ( #bjbj4 #bjb4 ,(fice = ! ,prev5tion ( ,fraud ,t>get+ ,s5iors 7a7 ,e/abli%m5t ( advisory (fice ,! ,f$]al ,trade ,commission %all e/abli% an (fice )9 ! ,bureau ( ,consum] ,protection = ! purpose ( advis+ ! ,commission on ! prev5tion ( fraud t>get+ s5iors & to assi/ ! ,commission ) ! foll[+3 7#a7 ,ov]sight ,! advisory (fice %all monitor ! m>ket = mail1 television1 int]net1 telem>ket+1 & record$ message telephone call 7h]e9aft] ref]r$ to z robocall7 fraud t>get+ s5iors & %all coord9ate ) o!r relevant ag5cies reg>d+ ! requirem5ts ( ?is section4 7#b7 ,consum] education ,! ,commission ?r\gh ! advisory (fice %all1 9 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 & o!r relevant ag5cies-- 7,a7 dissem9ate to s5iors & families & c>egiv]s ( s5iors g5]al in=mation on mail1 television1 int]net1 telem>ket+1 & robocall fraud t>get+ s5iors1 includ+ descriptions ( ! mo/ common fraud s*emes2 7,b7 dissem9ate to s5iors & families & c>egiv]s ( s5iors in=mation on report+ compla9ts ( fraud t>get+ s5iors ei!r to ! national toll-free telephone numb] e/abli%$ by ! ,commission = report+ su* compla9ts1 or to ! ,consum] ,s5t9el ,network1 op]at$ by ! ,commission1 :]e su* compla9ts w become imm$iately available to appropriate law en=cem5t ag5cies1 includ+ ! ,f$]al ,bureau ( ,inve/igation & ! attorneys g5]al ( ! ,/ates2 7,c7 9 response to a specific reque/ ab\t a p>ticul> entity or individual1 provide publically available in=mation ( en=cem5t action tak5 by ! ,commission = mail1 television1 int]net1 telem>ket+1 & robocall fraud aga9/ su* entity2 & 7,d7 ma9ta9 a website to s]ve z a res\rce = in=mation = s5iors & families & c>egiv]s ( s5iors reg>d+ mail1 television1 int]net1 telem>ket+1 robocall1 & o!r id5tifi$ fraud t>get+ s5iors4 7#c7 ,compla9ts ,! ,commission ?r\gh ! advisory (fice %all1 9 consultation ) ! ,attorney ,g5]al1 e/abli% proc$ures to-- 7,a7 log & ackn[l$ge ! receipt ( compla9ts by individuals :o believe !y h be5 a victim ( mail1 television1 int]net1 telem>ket+1 & robocall fraud 9 ! ,consum] ,s5t9el ,network1 & %all make ^? compla9ts imm$iately available to ,f$]al1 ,/ate1 & local law en=cem5t au?orities2 & 7,b7 provide to individuals describ$ 9 subp>agraph 7,a71 & to any o!r p]sons1 specific & g5]al in=mation on mail1 television1 int]net1 telem>ket+1 & robocall fraud1 includ+ descriptions ( ! mo/ common s*emes us+ su* me?ods ( communication4 7b7 ,comm5cem5t ,! ,commission %all comm5ce c>ry+ out ! requirem5ts ( ?is section n lat] ?an "o ye> aft] ! date ( ! enactm5t ( ?is ,act4 ,secret>y