,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #gbgj  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,janu>y #bg1 #bjbf,mr4
 ,sessions 7= himself & ,mr4 ,fo/]7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,ov]sight & ,gov]nm5t  
,re=m1 & 9 addition to ! ,committees on 
,f9ancial ,s]vices1 & ,en]gy & ,comm]ce1
 = a p]iod to be subsequ5tly det]m9$ by 
! ,speak]1 9 ea* case = consid]ation (  
su* provisions z fall )9 ! jurisdiction 
( ! committee conc]n$  ,a ,,bill  ,to   
e/abli% a gov]nm5t-wide approa* to /opp+
 id5tity fraud & !ft 9 ! f9ancial       
s]vices indu/ry1 & = o!r purposes4  #a4 
,%ort title ,?is ,act may be cit$ z !   
,/op ,id5tity ,fraud & ,id5tity ,!ft    
,act ( #bjbf4  #b4 ,f9d+s ,congress f9ds
 ! foll[+3 7#a7 ,! lack ( an easy1      
af=dable1 & reliable way =              
organizations1 bus9esses1 & gov]nm5t    
ag5cies to id5tify :e!r an individual is
 :o !y claim to be onl9e creates an     
attack vector t leads to millions (     
,am]icans be+ victimiz$ by ,*9a & ,nor? 

,korea1 & o!r ho/ile nation-/ates1 z    
well z organiz$ crime gangs1 all ( :om  
/eal & compromise id5tities to commit   
cyb]crime & fraud4  7#b7 ,incid5ts (    
id5tity !ft & id5tity fraud cont9ue to  
rise 9 ! ,unit$ ,/ates1 :]e m ?an #cec  
million p 7 impact$ by data brea*es 9   
#bjbc4  7#c7 ,! ,gov]nm5t ,acc\ntability
 ,(fice 7,,gao7 e/imat$ t ! ,f$]al      
,gov]nm5t c\ld lose betwe5 #bcc billion 
& #eba billion annually to fraud2 ,,gao 
e/imat$ t ! am\nt ( fraud 9 unemploym5t 
insurance programs dur+ ! ,,covid-#ai   
p&emic 0 likely betwe5 #ajj billion &   
#ace billion & f\nd t ! majority ( ?is  
fraud occurr$ because compromises (     
id5tity4  7#d7 ,! ,f9ancial ,crimes     
,en=cem5t ,network ( ! ,dep>tm5t ( !    
,treasury report$ t #bab billion wor? ( 
suspici\s f9ancial transactions 9 #bjba 
0 ti$ to "s =m ( id5tity compromise2 9  
#bjbd1 !y reveal$ t ?is numb] _h explod$
 9 #bjbc1 cov]+ ov] #gj p]c5t ( all     
,suspici\s ,activity ,reports 7,s,a,rs7 
fil$ by banks1 ti$ to #cid billion (    

transactions4  7#e7 ,9 #bjbd1 !         
,dep>tm5t ( ! ,treasury report on       
,manag+ ,artificial                     
,intellig5ce-,specific ,cyb]security    
,risks 9 ! ,f9ancial ,s]vices ,sector   
flagg$ ! ?reat ( new deepfake attacks   
p[]$ by artificial intellig5ce & not$ ,!
 volume ( ^! types ( exploitations or   
cyb]-enabl$ attacks is likely to rise z 
te*nological developm5ts l ,g5]ative    
,,ai r$uce ! co/1 complexity1 & "t      
requir$ to lev]age gaps 9 our digital   
infra/ructure44  7#f7 ,! inadequacy (   
curr5t digital id5tity solutions        
degrades security & privacy = all       
,am]icans1 & z deepfake attacks become m
 preval5t1 next g5]ation solutions are  
ne$$ t c protect consum]s1 bus9esses1 & 
gov]nm5t ag5cies f id5tity-relat$       
cyb]crime4  7#g7 ,gov]nm5t entities1 z  
au?oritative issu]s ( id5tity 9 ! ,unit$
 ,/ates1 are uniquely position$ to      
deliv] critical compon5ts t address     
defici5cies 9 our id5tity infra/ructure 
& augm5t private sector id5tity &       

au!ntication solutions4  7#h7 ,/ate     
gov]nm5ts are p>ticul>ly well suit$ to  
play a role 9 enhanc+ digital id5tity   
solutions us$ by bo? ! public & private 
sectors1 giv5 ! role ( ,/ate gov]nm5ts z
 ! issu]s ( driv]'s lic5ses & o!r       
id5tity docum5ts commonly us$ today4    
7#i7 ,! ,national ,in/itute ( ,/&>ds &  
,te*nology 7,,ni/7 0 direct$ 9 ! ,,*ips 
& ,sci5ce ,act ( #bjbb to laun* new "w  
to develop a framework ( common         
def9itions & volunt>y guidance = digital
 id5tity managem5t sy/ems1 includ+      
id5tity & attribute validation s]vices  
provid$ by ,f$]al1 ,/ate1 & local       
gov]nm5ts1 & "w is und]way at ,,ni/ to  
create ?is guidance4 ,h[ev]1 ,/ate &    
local ag5cies lack res\rces to implem5t 
?is new guidance1 & if ?is does n *ange1
 x w take decades to h>d5 defici5cies 9 
id5tity infra/ructure4  7#aj7 ,x %\ld be
 ! policy ( ! ,gov]nm5t to use !        
au?orities & capabilities ( ! ,gov]nm5t 
to enhance ! security1 reliability1     
privacy1 & conv5i5ce ( digital id5tity  

solutions t support & protect           
transactions betwe5 individuals1        
gov]nm5t entities1 & bus9esses1 & t     
enable ,am]icans to prove :o !y are     
onl9e4  #c4 ,id5tity fraud prev5tion    
innovation grants  7a7 ,9 g5]al ,!      
,secret>y ( ! ,treasury %all1 n lat] ?an
 #a ye> aft] ! date ( ! enactm5t ( ?is  
section1 e/abli% a grant program to     
provide id5tity fraud prev5tion         
innovation grants to ,/ates4  7b7 ,use (
 am\nts  7#a7 ,9 g5]al ,/ates %all use  
am\nts provid$ "u ?is section to-- 7,a7 
develop digital v]sions ( driv]'s       
lic5ses & o!r id5tity cr$5tials t comply
 ) ! guidel9es = id5tity & attribute    
validation s]vices develop$ by !        
,national ,in/itute ( ,/&>ds &          
,te*nology "u section #ejd ( !          
,cyb]security ,enhancem5t ,act ( #bjad2 
7,b7 protect ! privacy & security (     
individuals1 includ+ gu>d+ aga9/        
deepfake attacks p[]$ by artificial     
intellig5ce2  7,c7 catalyze !           
developm5t1 deploym5t1 & use ( m        

resili5t1 int]op]able solutions         
,am]icans c use to protect & ass]t _!   
id5tity onl9e2  7,d7 r$uce id5tity !ft &
 fraud by replac+ legacy id5tity sy/ems 
t are highly vuln]able to attack f      
organiz$ crim9als & ho/ile nation-/ates 
) m robu/ solutions t c defeat ^!       
attacks2  7,e7 ensure ! integrity (     
,gov]nm5t b5efit programs paid ?r\gh !  
,dep>tm5t ( ! ,treasury2  7,f7 protect !
 ,unit$ ,/ates f9ancial sy/em f abuse by
 illicit actors2 &  7,g7 enable m tru/$ 
transactions onl9e4  7#b7 ,requirem5t ,n
 less ?an #aj p]c5t ( any am\nts provid$
 to a ,/ate "u ?is section %all be us$  
by su* ,/ate to provide s]vices design$ 
to assi/ individuals ) obta9+ any       
id5tity cr$5tials or id5tity v]ification
 s]vices t are requir$ to obta9 a       
digital driv]'s lic5se or o!r digital   
id5tity cr$5tial (f]$ by su* ,/ate      
physical4  7c7 ,limitations ,a ,/ate may
 n use any am\nts provid$ "u ?is section
 to-- 7#a7 require a p]son to obta9 or  
use a digital driv]'s lic5se or digital 

id5tity cr$5tial2  7#b7 support any by  
su* ,/ate to elim9ate ! issuance (      
physical driv]'s lic5ses & physical     
id5tity cr$5tials2 or  7#c7 support !   
issuance ( driv]s lic5ses or id5tity    
cr$5tials to unau?oriz$ immigrants4  7d7
 ,rule ( con/ruction ,no?+ 9 ?is section
 may be con/ru$ to require any ,/ate to 
develop or issue digital v]sions (      
driv]'s lic5ses or o!r id5tity          
cr$5tials4  7e7 ,def9itions ,9 ?is      
section3 7#a7 ,secret>y ,! t]m ,secret>y
 means ! ,secret>y ( ! ,treasury4  7#b7 
,id5tity cr$5tial ,! t]m id5tity        
cr$5tial means a docum5t or o!r evid5ce 
( ! id5tity ( an individual issu$ by a  
,/ate t conveys ! id5tity ( !           
individual1 includ+ a driv]'s lic5se1   
,/ate-issu$ id5tification c>d1 or bir?  
c]tificate4  7#c7 ,unau?oriz$ immigrant 
,! t]m unau?oriz$ immigrant means a     
p]son :o is n-- 7,a7 is n citiz5 or     
national ( ! ,unit$ ,/ates2  7,b7 is n  
an ali5 lawfully admitt$ = p]man5t or   
tempor>y resid5ce 9 ! ,unit$ ,/ates2    

7,c7 does n h conditional p]man5t       
resid5t /atus 9 ! ,unit$ ,/ates2  7,d7  
does n h an approv$ application = asylum
 9 ! ,unit$ ,/ates2 &  7,e7 did n ent]  
into ! ,unit$ ,/ates 9 refugee /atus4