#aaf? ,,congress  #b;d ,session  ,h4 ,r4
 #bfaj  ,,an ,,act  ,to e/abli% an (fice
 )9 ! ,f$]al ,trade ,commission & an    
outside advisory gr\p to prev5t fraud   
t>get+ s5iors & to direct ! ,commission 
to /udy & submit a report to ,congress  
on scams t>get+ s5iors & ,indian tribes1
 & = o!r purposes4  #a4 ,%ort title2    
table ( cont5ts  7a7 ,%ort title ,?is   
,act may be cit$ z ! ,fraud & ,scam     
,r$uction ,act4  7b7 ,table ( cont5ts ,!
 table ( cont5ts = ?is ,act is z foll[s3
  ,sec4 #a4 ,%ort title2 table (        
cont5ts4 ,sec4 #b4 ,commission def9$4   
,title ,i--,prev5t+ ,consum] ,scams     
,direct$ at ,s5iors ,sec4 #aja4 ,%ort   
title4 ,sec4 #ajb4 ,s5ior ,scams        
,prev5tion ,advisory ,gr\p4 ,title      
,,ii--,s5ior ,fraud ,advisory ,(fice    
,sec4 #bja4 ,%ort title4 ,sec4 #bjb4    
,s5ior ,fraud ,advisory ,(fice4 ,title  
,,iii--,prev5t+ ! ,t>get+ ( ,s5iors     
,dur+ ,em]g5cies ,sec4 #cja4 ,%ort      
title4 ,sec4 #cjb4 ,,ftc report on scams
 t>get+ s5iors dur+ em]g5cies4 ,sec4    

#cjc4 ,increas+ aw>5ess ( scams t>get+  
s5iors4 ,title ,,iv--,prev5t+ ,scams    
,t>get+ ,indian ,tribes ,sec4 #dja4     
,%ort title4 ,sec4 #djb4 ,,ftc report on
 unfair or deceptive acts or practices  
t>get+ ,indian ,tribes4 ,title          
,v--,enhanc+ ,consum] ,protection       
,en=cem5t ,sec4 #eja4 ,%ort title4 ,sec4
 #ejb4 ,unfair & deceptive practices    
coop]ation /udy4 ,title                 
,,vi--,det]m9ation ( ,budget>y ,effects 
,sec4 #fja4 ,det]m9ation ( budget>y     
effects4  #b4 ,commission def9$ ,9 ?is  
,act1 ! t]m ,commission means ! ,f$]al  
,trade ,commission4  ,i ,prev5t+        
,consum] ,scams ,direct$ 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 ( ,s5ior ,scams       
,prev5tion ,advisory ,gr\p ,!re is      
e/abli%$ a ,s5ior ,scams ,prev5tion     
,advisory ,gr\p 7ref]r$ to 9 ?is section
 z ! ,advisory ,gr\p74  7b7 ,memb]s ,!  
,advisory ,gr\p %all be compos$ (       

/akehold]s su* z ! foll[+ individuals or
 ! designees ( su* 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 ,!  
,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 #b ( ! ,/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$uce scams affect+ s5iors4  4  7f7  
,t]m9ation ,?is title1 & ! am5dm5ts made
 by ?is title1 cease to be effective on 
! date t is #e ye>s aft] ! date (       
enactm5t ( ?is ,act4  ,,ii ,s5ior ,fraud
 ,advisory ,(fice  #bja4 ,%ort title    
,?is title may be cit$ z ! ,s5iors      
,fraud ,prev5tion ,act ( #bjbj4  #bjb4  
,s5ior ,fraud ,advisory ,(fice  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 #a ye> aft] ! date ( enactm5t (
 ?is ,act4  ,,iii ,prev5t+ ! ,t>get+ (  
,s5iors ,dur+ ,em]g5cies  #cja4 ,%ort   
title ,?is title may be cit$ z !        
,protect+ ,s5iors f ,em]g5cy ,scams     
,act4  #cjb4 ,,ftc report on scams      
t>get+ s5iors dur+ em]g5cies ,n lat] ?an
 #cj days aft] ! date ( enactm5t ( ?is  
,act1 ! ,f$]al ,trade ,commission       
7ref]r$ to 9 ?is ,act z ! ,commission7  
%all submit a report to ,congress       
includ+--  7#a7 a description ( ! numb] 
& types ( scams id5tifi$ by !           
,commission z be+ t>get$ at s5ior       
citiz5s2 &  7#b7 policy recomm5dations  
to prev5t su* scams1 especially z su*   
scams relate to future national         
em]g5cies4  #cjc4 ,increas+ aw>5ess (   
scams t>get+ s5iors  7a7 ,9 g5]al ,z    
soon z practicable aft] ! date (        
enactm5t ( ?is ,act1 ! ,commission %all 
update its web portal to include ! late/

 in=mation1 se>*able by region & type ( 
scam1 on scams t>get+ s5iors1 includ+   
contacts = relevant law en=cem5t & adult
 protective s]vice ag5cies4  7b7        
,coord9ation ) m$ia outlets & law       
en=cem5t ,! ,commission %all "w ) m$ia  
outlets & law en=cem5t to di/ribute !   
in=mation includ$ 9 ! web portal ( !    
,commission pursuant to subsection 7a7  
to s5ior citiz5s & _! families &        
c>egiv]s4  ,,iv ,prev5t+ ,scams ,t>get+ 
,indian ,tribes  #dja4 ,%ort title ,?is 
title may be cit$ z ! ,protect+ ,indian 
,tribes f ,scams ,act4  #djb4 ,,ftc     
report on unfair or deceptive acts or   
practices t>get+ ,indian ,tribes  7a7   
,,ftc report ,n lat] ?an #a ye> aft] !  
date ( ! enactm5t ( ?is ,act1 & aft]    
consultation ) ,indian ,tribes1 !       
,commission %all make publicly available
 on ! website ( ! ,commission & submit  
to ! ,committee on ,en]gy & ,comm]ce ( !
 ,h\se ( ,repres5tatives & ! ,committee 
on ,comm]ce1 ,sci5ce1 & ,transportation 
( ! ,s5ate a report on unfair or        

deceptive acts or practices t>get$ at   
,indian ,tribes or memb]s ( ,indian     
,tribes1 includ+--  7#a7 a description (
 ! types ( unfair or deceptive acts or  
practices id5tifi$ by ! ,commission z   
be+ t>get$ at ,indian ,tribes or memb]s 
( ,indian ,tribes2  7#b7 a description (
 ! consum] education activities ( !     
,commission ) respect to su* acts or    
practices2  7#c7 a description ( ! ef=ts
 ( ! ,commission to collaborate )       
,indian ,tribes to prev5t su* acts or   
practices or to pursue p]sons us+ su*   
acts or practices2  7#d7 a summ>y ( !   
en=cem5t actions tak5 by ! ,commission  
relat$ to su* acts or practices2 &  7#e7
 any recomm5dations = legislation to    
prev5t su* acts or practices4  7b7      
,increas+ aw>5ess ( unfair or deceptive 
acts or practices t>get+ ,indian ,tribes
 ,n lat] ?an #f mon?s aft] ! date ( !   
submission ( ! report requir$ by        
subsection 7a71 ! ,commission %all      
update ! website ( ! ,commission to     
include in=mation = consum]s & bus9esses

 on id5tify+ & avoid+ unfair or         
deceptive acts or practices t>get$ at   
,indian ,tribes or memb]s ( ,indian     
,tribes4  ,v ,enhanc+ ,consum]          
,protection ,en=cem5t  #eja4 ,%ort title
 ,?is title may be cit$ z ! ,,ftc       
,collaboration ,act ( #bjbj4  #ejb4     
,unfair & deceptive practices coop]ation
 /udy  7a7 ,9 g5]al  7#a7 ,/udy requir$ 
,n lat] ?an #a ye> aft] ! date ( !      
enactm5t ( ?is ,act1 ! ,f$]al ,trade    
,commission %all conduct a /udy on      
facilitat+ & ref9+ exi/+ ef=ts ) ,/ate  
,attorneys ,g5]al to prev5t1 publicize1 
& p5alize frauds & scams be+ p]petrat$  
on individuals 9 ! ,unit$ ,/ates4  7#b7 
,requirem5ts ( /udy ,9 conduct+ ! /udy1 
! ,commission %all exam9e ! foll[+3 7,a7
 ,! roles & responsibilities ( !        
,commission & ,/ate ,attorneys ,g5]al t 
be/ advance collaboration & consum]     
protection4  7,b7 ,! policies1          
proc$ures1 & me*anisms t facilitate     
coop]ation & communications across !    
,commission4  7,c7 ,h[ res\rces %\ld be 

d$icat$ to be/ advance su* collaboration
 & consum] protection4  7,d7 ,!         
acc\ntability me*anisms t %\ld be       
implem5t$ to promote collaboration &    
consum] protection4  7#c7 ,consultation 
& public comm5t ,9 produc+ ! /udy       
requir$ 9 p>agraph 7#a71 ! ,commission  
%all--  7,a7 consult )-- 7i7 ! ,national
 ,association ( ,/ate ,attorneys ,g5]al2
  7ii7 public int]e/ organizations      
d$icat$ to consum] protection2  7iii7   
relevant private sector entities2 &     
7iv7 any o!r ,f$]al or ,/ate ag5cy t !  
,f$]al ,trade ,commission consid]s      
necess>y2 &  7,b7 provide opportunity = 
public comm5t & advice relevant to !    
production ( ! /udy4  7b7 ,report to    
congress ,n lat] ?an #f mon?s aft] !    
completion ( ! /udy requir$ pursuant to 
subsection 7a71 ! ,commission %all      
submit to ! ,committee on ,en]gy &      
,comm]ce ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,comm]ce1 ,sci5ce1 &     
,transportation ( ! ,s5ate1 & make      
publicly available on ! website ( !     

,commission1 a report t conta9s !       
foll[+3 7#a7 ,! results ( ! /udy4  7#b7 
,recomm5d$ be/ practices to enhance     
collaboration ef=ts betwe5 ! ,commission
 & ,/ate ,attorneys ,g5]al ) respect to 
prev5t+1 publiciz+1 & p5aliz+ fraud &   
scams4  7#c7 ,quantifiable metrics by   
:i* enhanc$ collaboration c be measur$4 
7#d7 ,legislative recomm5dations1 if    
any1 to enhance collaboration ef=ts     
betwe5 ! ,commission & ,/ate ,attorneys 
,g5]al to prev5t1 publicize1 & p5alize  
fraud & scams4  ,,vi ,det]m9ation (     
,budget>y ,effects  #fja4 ,det]m9ation (
 budget>y effects ,! budget>y effects ( 
?is ,act1 = ! purpose ( comply+ ) !     
,/atutory ,pay-,z-,y-,g ,act ( #bjaj1   
%all be det]m9$ by ref]5ce to ! late/   
/atem5t titl$ ,budget>y ,effects (      
,,paygo ,legislation = ?is ,act1        
submitt$ = pr9t+ 9 ! ,congressional     
,record by ! ,*airman ( ! ,h\se ,budget 
,committee1 provid$ t su* /atem5t has   
be5 submitt$ prior to ! vote on passage4
  ,pass$ ! ,h\se ( ,repres5tatives      

,novemb] #ag1 #bjbj4;,cl]k4