,,ib ,union ,calendar ,no4 #dhh #aafth ,,congress #b;d ,session ,h4 ,r4 #bfaj ,report ,no4 #aaf-eij ,,in ,,the ,,house ,,of ,,representatives ,may #i1 #bjai,ms4 ,blunt ,rochester 7for herself and ,mr4 ,walberg7 introduced the following bill2 which was referred to the ,committee on ,energy and ,commerce ,november #af1 #bjbj;,additional sponsors3 ,mr4 ,fitzpatrick1 ,mrs4 ,axne1 ,ms4 ,norton1 ,mr4 ,de,fazio1 ,mr4 ,fortenberry1 ,mrs4 ,davis of ,california1 ,mr4 ,brindisi1 ,mr4 ,case1 ,ms4 ,meng1 ,mr4 ,grijalva1 ,ms4 ,craig1 ,mr4 ,hudson1 ,mr4 ,mc,adams1 ,ms4 ,omar1 ,ms4 ,sherrill1 ,mr4 ,o',halleran1 ,mr4 ,crdenas1 ,mr4 ,rush1 ,ms4 ,finkenauer1 ,mr4 ,deutch1 ,ms4 ,kelly of ,illinois1 ,mr4 ,lujn1 ,ms4 ,schakowsky1 ,mr4 ,danny ,k4 ,davis of ,illinois1 ,mr4 ,welch1 ,mr4 ,carson of ,indiana1 ,mr4 ,cox of ,california1 ,mr4 ,larson of ,connecticut1 ,mr4 ,suozzi1 ,mr4 ,higgins of ,new ,york1 ,mrs4 ,hayes1 ,ms4 ,adams1 and ,mr4 ,taylor ,november #af1 #bjbj,reported with amendments2 committed to the ,committee of the ,whole ,house on the ,state of the ,union and ordered to be printed,strike out all after the enacting clause and insert the part printed in italic,for text of introduced bill1 see copy of bill as introduced on ,may #i1 #bjai ,a ,,bill ,to establish a ,senior ,scams ,prevention ,advisory ,council to collect and disseminate model educational materials useful in identifying and preventing scams that affect seniors4 #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,sec4 #b4 ,commission defined4,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 ,senior ,fraud ,advisory ,office4,title ,,iii--,preventing the ,targeting of ,seniors ,during ,emergencies,sec4 #cja4 ,short title4,sec4 #cjb4 ,,ftc report on scams targeting seniors during emergencies4,sec4 #cjc4 ,increasing awareness of scams targeting seniors4,title ,,iv--,preventing ,scams ,targeting ,indian ,tribes,sec4 #dja4 ,short title4,sec4 #djb4 ,,ftc report on unfair or deceptive acts or practices targeting ,indian ,tribes4,title ,v--,enhancing ,consumer ,protection ,enforcement ,sec4 #eja4 ,short title4,sec4 #ejb4 ,unfair and deceptive practices cooperation study4 #b4 ,commission defined ,in this ,act1 the term ,commission means the ,federal ,trade ,commission4 ,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 of ,senior ,scams ,prevention ,advisory ,group ,there is established a ,senior ,scams ,prevention ,advisory ,group 7referred to in this section as the ,advisory ,group74 7b7 ,members ,the ,advisory ,group shall be composed of stakeholders such as the following individuals or the designees of such 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 ,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 #b 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 ,act1 and the amendments made by this ,act1 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 ,senior ,fraud ,advisory ,office 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 enactment of this ,act4 ,,iii ,preventing the ,targeting of ,seniors ,during ,emergencies #cja4 ,short title ,this title may be cited as the ,protecting ,seniors from ,emergency ,scams ,act4 #cjb4 ,,ftc report on scams targeting seniors during emergencies ,not later than #cj days after the date of enactment of this ,act1 the ,federal ,trade ,commission 7referred to in this ,act as the ,commission7 shall submit a report to ,congress including-- 7#a7 a description of the number and types of scams identified by the ,commission as being targeted at senior citizens2 and 7#b7 policy recommendations to prevent such scams1 especially as such scams relate to future national emergencies4 #cjc4 ,increasing awareness of scams targeting seniors 7a7 ,in general ,as soon as practicable after the date of enactment of this ,act1 the ,commission shall update its web portal to include the latest information1 searchable by region and type of scam1 on scams targeting seniors1 including contacts for relevant law enforcement and adult protective service agencies4 7b7 ,coordination with media outlets and law enforcement ,the ,commission shall work with media outlets and law enforcement to distribute the information included in the web portal of the ,commission pursuant to subsection 7a7 to senior citizens and their families and caregivers4 ,,iv ,preventing ,scams ,targeting ,indian ,tribes #dja4 ,short title ,this title may be cited as the ,protecting ,indian ,tribes from ,scams ,act4 #djb4 ,,ftc report on unfair or deceptive acts or practices targeting ,indian ,tribes 7a7 ,,ftc report ,not later than #a year after the date of the enactment of this ,act1 and after consultation with ,indian ,tribes1 the ,commission shall make publicly available on the website of the ,commission and submit to the ,committee on ,energy and ,commerce of the ,house of ,representatives and the ,committee on ,commerce1 ,science1 and ,transportation of the ,senate a report on unfair or deceptive acts or practices targeted at ,indian ,tribes or members of ,indian ,tribes1 including-- 7#a7 a description of the types of unfair or deceptive acts or practices identified by the ,commission as being targeted at ,indian ,tribes or members of ,indian ,tribes2 7#b7 a description of the consumer education activities of the ,commission with respect to such acts or practices2 7#c7 a description of the efforts of the ,commission to collaborate with ,indian ,tribes to prevent such acts or practices or to pursue persons using such acts or practices2 7#d7 a summary of the enforcement actions taken by the ,commission related to such acts or practices2 and 7#e7 any recommendations for legislation to prevent such acts or practices4 7b7 ,increasing awareness of unfair or deceptive acts or practices targeting ,indian ,tribes ,not later than #f months after the date of the submission of the report required by subsection 7a71 the ,commission shall update the website of the ,commission to include information for consumers and businesses on identifying and avoiding unfair or deceptive acts or practices targeted at ,indian ,tribes or members of ,indian ,tribes4 ,v ,enhancing ,consumer ,protection ,enforcement #eja4 ,short title ,this title may be cited as the ,,ftc ,collaboration ,act of #bjbj4 #ejb4 ,unfair and deceptive practices cooperation study 7a7 ,in general 7#a7 ,study required ,not later than #a year after the date of the enactment of this ,act1 the ,federal ,trade ,commission shall conduct a study on facilitating and refining existing efforts with ,state ,attorneys ,general to prevent1 publicize1 and penalize frauds and scams being perpetrated on individuals in the ,united ,states4 7#b7 ,requirements of study ,in conducting the study1 the ,commission shall examine the following3 7,a7 ,the roles and responsibilities of the ,commission and ,state ,attorneys ,general that best advance collaboration and consumer protection4 7,b7 ,the policies1 procedures1 and mechanisms that facilitate cooperation and communications across the ,commission4 7,c7 ,how resources should be dedicated to best advance such collaboration and consumer protection4 7,d7 ,the accountability mechanisms that should be implemented to promote collaboration and consumer protection4 7#c7 ,consultation and public comment ,in producing the study required in paragraph 7#a71 the ,commission shall-- 7,a7 consult with-- 7i7 the ,national ,association of ,state ,attorneys ,general2 7ii7 public interest organizations dedicated to consumer protection2 7iii7 relevant private sector entities2 and 7iv7 any other ,federal or ,state agency that the ,federal ,trade ,commission considers necessary2 and 7,b7 provide opportunity for public comment and advice relevant to the production of the study4 7b7 ,report to congress ,not later than #f months after the completion of the study required pursuant to subsection 7a71 the ,commission shall submit to the ,committee on ,energy and ,commerce of the ,house of ,representatives and the ,committee on ,commerce1 ,science1 and ,transportation of the ,senate1 and make publicly available on the website of the ,commission1 a report that contains the following3 7#a7 ,the results of the study4 7#b7 ,recommended best practices to enhance collaboration efforts between the ,commission and ,state ,attorneys ,general with respect to preventing1 publicizing1 and penalizing fraud and scams4 7#c7 ,quantifiable metrics by which enhanced collaboration can be measured4 7#d7 ,legislative recommendations1 if any1 to enhance collaboration efforts between the ,commission and ,state ,attorneys ,general to prevent1 publicize1 and penalize fraud and scams4 ,amend the title so as to read3 ,a bill 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 purposes44 ,november #af1 #bjbj,reported with amendments2 committed to the ,committee of the ,whole ,house on the ,state of the ,union and ordered to be printed