,,ii #aaith ,,congress #ast ,session ,s4 #ccee ,,in ,,the ,,senate ,,of ,,the ,,united ,,states ,december #d1 #bjbe,mrs4 ,gillibrand 7for herself1 ,mr4 ,scott of ,florida1 ,mr4 ,kelly1 and ,mrs4 ,moody7 introduced the following bill2 which was read twice and referred to the ,committee on the ,judiciary ,a ,,bill ,to establish a national strategy for combating scams1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,national ,strategy for ,combating ,scams ,act of #bjbe4 #b4 ,findings ,congress finds the following3 7#a7 ,more than #d in #aj individuals in the ,united ,states1 an estimated #ada1ejj1jjj adults1 say they have lost money to scams or had sensitive information obtained and used fraudulently4 7#b7 ,consumers reported losing more than #ab1jjj1jjj1jjj to fraud in #bjbd1 a #be percent increase over the prior year1 with imposter scams being the most commonly reported scam category4 7#c7 ,criminals are increasingly using ,generative ,artificial ,intelligence to conduct scams1 including hyper-realistic voice deepfakes to manipulate victims4 7#d7 ,scams harm all people of the ,united ,states1 but can particularly affect older adults by harming their mental health and by forcing them to live with fewer resources4 7#e7 ,the ,government ,accountability ,office found that there are at least #ac agencies engaged in a range of activities relating to countering scams1 all of which have their own mandate and authorities and are largely carrying out their activities independently4 7#f7 ,to improve the ability of ,federal agencies to coordinate and target efforts to counter scams1 the ,government ,accountability ,office has recommended that the ,federal ,bureau of ,investigations lead an effort to develop a ,national ,strategy for ,combating ,scams4 #c4 ,national ,strategy for ,combating ,scams 7a7 ,establishment of working group ,not later than #ij days after the date of enactment of this ,act1 the ,director of the ,federal ,bureau of ,investigation shall assemble a working group to develop a ,national ,strategy for ,combating ,scams1 in coordination with the heads of each of the following3 7#a7 ,the ,federal ,trade ,commission4 7#b7 ,the ,consumer ,financial ,protection ,bureau4 7#c7 ,the ,department of ,health and ,human ,services4 7#d7 ,the ,department of ,state4 7#e7 ,the ,federal ,deposit ,insurance ,corporation4 7#f7 ,the ,federal ,reserve ,board4 7#g7 ,the ,financial ,crimes ,enforcement ,network4 7#h7 ,the ,department of ,homeland ,security4 7#i7 ,the ,national ,credit ,union ,administration4 7#aj7 ,the ,office of the ,comptroller of ,currency4 7#aa7 ,the ,office of the ,united ,states ,attorney4 7#ab7 ,the ,united ,states ,secret ,service4 7#ac7 ,the ,department of the ,treasury4 7#ad7 ,the ,federal ,communications ,commission4 7#ae7 ,the ,securities and ,exchange ,commission4 7#af7 ,the ,commodities ,futures ,trading ,commission4 7#ag7 ,the ,social ,security ,administration4 7#ah7 ,any other ,federal ,department or agency1 as determined appropriate4 7b7 ,development of ,national ,strategy for ,combating ,scams ,the working group established pursuant to subsection 7a7 shall develop a ,national ,strategy for ,combating ,scams that-- 7#a7 incorporates feedback from community stakeholders1 including-- 7,a7 survivors of scams1 and groups that represent survivors of scams2 7,b7 older adults and groups that represent older adults2 7,c7 individuals with disabilities and groups that represent individuals with disabilities2 7,d7 ,federal1 ,state1 and local prosecutors and law enforcement officials with expertise in scams1 and groups that represent such prosecutors and law enforcement officials2 7,e7 business and non-profit organizations that play a role in preventing and addressing scams1 including telecommunications1 financial1 social media1 retail1 and technology companies1 and groups that represent such businesses and non-profit organizations2 7,f7 experts on human behavior and scam prevention2 7,g7 ,adult ,protective ,services agencies1 and groups that represent them2 7,h7 ,area ,agencies on ,aging1 and groups that represent them2 7,i7 ,state1 local1 and ,tribal government officials1 and groups that represent ,state and local government officials2 and 7,j7 any other community stakeholders1 as determined appropriate by the working group2 7#b7 establishes a definition of scam1 for use in the ,national ,strategy and by the ,federal ,bureau of ,investigation1 the ,federal ,trade ,commission1 and the ,consumer ,financial ,protection ,bureau1 the establishment of which includes-- 7,a7 an analysis explaining the reasons the working group selected the definition2 and 7,b7 an evaluation of whether agencies other than the ,federal ,bureau of ,investigation1 the ,federal ,trade ,commission1 and the ,consumer ,financial ,protection ,bureau ,,fbi should adopt the definition1 including an analysis of the barriers or unintended consequences of doing so2 7#c7 evaluates the risks from scams1 including an analysis of threats and vulnerabilities1 health and financial risks to scam survivors1 risks to national and economic security1 and the proper ,federal response to scams2 7#d7 evaluates methods for preventing scams1 including evidence-based best practices that can be implemented and measured by the ,federal ,government1 ,state1 local1 and ,tribal governments1 businesses1 non-profit organizations1 community members1 and family members of those at risk of being scammed2 7#e7 defines agency roles1 responsibilities1 and authorities for preventing and combating scams2 7#f7 analyzes maintaining a single1 government-wide estimate of scams perpetrated and the dollar losses associated with them1 including incidents not reported1 including either-- 7,a7 a plan for developing and maintaining such an estimate2 or 7,b7 an analysis of the barriers preventing the development of such an estimate and the legislative1 regulatory1 or administrative changes that could eliminate those barriers2 7#g7 formulates a plan to-- 7,a7 ensure coordinated1 consistent1 and accessible consumer complaint reporting for scams across ,federal agencies1 including complaint reporting that is accessible for individuals with disabilities2 7,b7 identify duplication in tasks and responsibilities between agencies and establish deconfliction procedures for overlapping jurisdictional authorities to improve coordination and collaboration2 7,c7 ensure harmonized1 adequate1 timely1 and accurate data collection and data aggregation on scams across ,federal agencies1 including ways to-- 7i7 better collect data and encourage reporting on scams2 7ii7 better identify scams2 7iii7 consistently collect data on the types of scams1 dollar losses from scams1 payment methods used for scams1 and other data1 as appropriate2 7iv7 promote ,federal law enforcement data interoperability and intelligence gathering across data collection platforms2 and 7v7 modernize law enforcement data and reporting1 including through the use of artificial intelligence and other innovative technology to enhance data synthesis2 7,d7 increase coordination between ,federal and private sector efforts1 including efforts by businesses and non-profits1 to prevent scams by-- 7i7 facilitating and coordinating the rapid sharing of data by private sector businesses 7including technology companies1 banks1 and telecommunication companies7 necessary to the investigation of scams by law enforcement officials2 7ii7 authenticating legitimate and blocking scam-related transactions and communications2 and 7iii7 coordinating preemptive enforcement and takedown actions2 7,e7 establish coordinated rapid response protocols that provide individuals with timely1 accurate warnings and prevention guidance through trusted channels1 ensuring that scam threats are identified quickly and communicated effectively to the public2 7,f7 increase coordination between ,federal1 ,state1 local1 and ,tribal government efforts to prevent and combat scams1 including analyzing the feasibility of the creation of elder justice task forces within local governments2 7,g7 coordinate efforts to address complex and multifaceted scams that cross jurisdictional boundaries2 and 7,h7 monitor and evaluate the effectiveness of the implementation of strategies recommended in the ,national ,strategy for ,combating ,scams2 7#h7 evaluate ways for the ,federal ,government to partner with ,state1 local1 and ,tribal law enforcement agencies1 financial institutions1 telecom carriers1 technology companies1 and other entities determined appropriate to support victim recovery1 including providing clear accessible resources for assistance and redress2 7#i7 enhance coordination with foreign countries to combat large-scale scams originating abroad that target persons in the ,united ,states to improve cross-border enforcement2 7#aj7 analyzes the legislative1 regulatory1 or administrative changes needed to carry out the ,national ,strategy for ,combating ,scams and enable a comprehensive and coordinated ,federal response to scams2 7#aa7 identifies the resources needed to prevent and combat scams and implement the ,national ,strategy for ,combating ,scams2 and 7#ab7 addresses any other topic relating to the promotion of a coordinated national response to scams1 as determined appropriate by the working group4 7c7 ,submission and publication ,not later than #b years after the establishment of the working group under subsection 7a71 the working group shall-- 7#a7 submit the ,national ,strategy for ,combating ,scams developed under subsection 7b7 to the ,special ,committee on ,aging of the ,senate1 the ,committee on the ,judiciary of the ,senate1 and the ,committee on the ,judiciary of the ,house of ,representatives2 and 7#b7 make the ,national ,strategy for ,combating ,scams publicly available1 including on a publicly accessible website4 7d7 ,updates 7#a7 ,in general ,following the publication of the ,national ,strategy for ,combating ,scams under paragraph 7c71 not less frequently than once every #e years1 the working group established pursuant to subsection 7a7 shall update such publication1 including by-- 7,a7 collecting and incorporating new feedback from community stakeholders2 and 7,b7 updating the definition of scam1 as appropriate4 7#b7 ,submission and publication ,not later than #cj days after each update under paragraph 7#a71 the working group established pursuant to subsection 7a7shall-- 7,a7 submit the updated ,national ,strategy for ,combating ,scams to the ,special ,committee on ,aging of the ,senate1 the ,committee on the ,judiciary of the ,senate1 and the ,committee on the ,judiciary of the ,house of ,representatives2 and 7,b7 make the updated ,national ,strategy for ,combating ,scams publicly available1 including on a publicly accessible website4 #d4 ,adoption of common definition of scam 7a7 ,in general ,not later than #a year after the publication of the ,national ,strategy for ,combating ,scams under section #c7;c71 the ,federal ,bureau of ,investigation1 the ,federal ,trade ,commission1 and the ,consumer ,financial ,protection ,bureau shall adopt the common definition of scam recommended in the ,national ,strategy for ,combating ,scams4 7b7 ,updates to definition ,if1 pursuant to section #c7;d71 the working group updates the definition of scam in an updated ,national ,strategy for ,combating ,scams1 the ,federal ,bureau of ,investigation1 the ,federal ,trade ,commission1 and the ,consumer ,financial ,protection ,bureau shall adopt the updated common definition of scam not later than #a year after such update4