,,ii #aai? ,,congress #a/ ,session ,s4 #cdie ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,decemb] #af1 #bjbe,ms4 ,klobu*> 7= h]self & ,mrs4 ,capito7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,comm]ce1 ,sci5ce1 & ,transportation ,a ,,bill ,to prev5t fraud enabl$ by artificial intellig5ce1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,artificial ,intellig5ce ,scam ,prev5tion ,act4 #b4 ,f9d+s ,congress f9ds ! foll[+3 7#a7 ,9 #bjbd1 scamm]s /ole ov] #a1djj1jjj1jjj ?r\gh phone & text message scams f p 9 ! ,unit$ ,/ates4 7#b7 ,artificial intellig5ce pres5ts _m opportunities = advancem5t4 ,b "s em]g+ te*nologies--includ+ artificial intellig5ce-g5]at$ deepfakes & *atbots--are turbo*>g+ scams1 creat+ new types ( scams1 giv+ !m broad] rea*1 & mak+ !m easi] to commit4 ,! ,f$]al ,trade ,commission has committ$ to us+ all ( its tools to detect1 det]1 & halt imp]sonation fraud4 7#c7 ,scamm]s only ne$ a %ort sample ( an individual's voice & in=mation readily available on ! int]net to g5]ate an au!ntic-seem+ imitation4 7#d7 ,f$]al1 ,/ate1 & local law en=cem5t1 z well z ! g5]al public1 ne$ updat$ laws to hold p]petrators acc\ntable "u ! law4 #c4 ,imp]sonation & artificial intellig5ce-enabl$ fraud prev5tion 7a7 ,imp]sonation scams 7#a7 ,9 g5]al ,x %all be unlawful = any p]son to-- 7,a7 engage 9 a deceptive act or practice 9 or affect+ comm]ce by imp]sonat+ a gov]nm5t1 bus9ess1 or any (ficial !re(2 7,b7 replicate any individual's image or voice1 includ+ ?r\gh ! use ( artificial intellig5ce1 ) ! int5t to defraud2 or 7,c7 provide sub/antial assi/ance to ano!r p]son 9 violat+ subp>agraphs 7,a7 or 7,b7 :5 !y "k or %\ld reasonably "k t su* p]son is engag+ 9 conduct describ$ 9 subp>agraph 7,a7 or 7,b74 7#b7 ,en=cem5t by ! ,,ftc 7,a7 ,unfair or deceptive acts or practices ,a violation ( ?is subsection %all be treat$ z a violation ( a rule def9+ an unfair or deceptive act or practice "u section #ah7;a77#a77;,b7 ( ! ,f$]al ,trade ,commission ,act 7#ae ,u4,s4,c4 #eg;a7a77#a77;,b774 7,b7 ,p[]s ( ! ,,ftc 7i7 ,9 g5]al ,! ,f$]al ,trade ,commission %all en=ce ?is subsection 9 ! same mann]1 by ! same means1 & ) ! same jurisdiction1 p[]s1 & duties z ?\gh all applicable t]ms & provisions ( ! ,f$]al ,trade ,commission ,act 7#ae ,u4,s4,c4 #da et seq47 7 incorporat$ into & made a "p ( ?is subsection4 7ii7 ,privileges & immunities ,any p]son :o violates ?is subsection %all be subject to ! p5alties & entitl$ to ! privileges & immunities provid$ 9 ! ,f$]al ,trade ,commission ,act 7#ae ,u4,s4,c4 #da et seq474 7iii7 ,au?ority pres]v$ ,no?+ 9 ?is subsection %all be con/ru$ to limit ! au?ority ( ! ,f$]al ,trade ,commission "u any o!r provision ( law4 7b7 ,s5iors ,fraud ,advisory ,(fice ,section #abb7;a77#b77;,a7 ( ! ,s5iors ,fraud ,prev5tion ,act ( #bjbb 7#ae ,u4,s4,c4 #de;e7a77#b77;,a77 is am5d$ by ins]t+ in=mation ab\t scams enabl$ by artificial intellig5ce & aft] includ+4 #d4 ,text messag+ & video conf]5c+ 7a7 ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act 7#a7 ,def9itions ,section #g ( ! ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act 7#ae ,u4,s4,c4 #fajf7 is am5d$-- 7,a7 9 p>agraph 7#d71 by ins]t+ 1 text message1 or video conf]5ce call aft] int]/ate telephone call2 & 7,b7 by add+ at ! end ! foll[+ new p>agraphs3 7#e7 ,! t]m text message-- 7,a7 means a message consi/+ ( text1 images1 s\nds1 or o!r in=mation t is transmitt$-- 7i7 to or f a device t is id5tifi$ z ! receiv+ or transmitt+ device by means ( a #aj-;digit telephone numb]1 ,n#aa s]vice code1 %ort code telephone numb]1 or email address2 or 7ii7 ?r\gh application-to-p]son messag+2 & 7,b7 includes-- 7i7 a %ort message s]vice 7commonly ref]r$ to z #8,,sms'7 message2 7ii7 a multim$ia message s]vice 7commonly ref]r$ to z #8,,mms'7 message2 or 7iii7 a ri* communication s]vice 7commonly ref]r$ to z #8,,rcs'7 message2 & 7,c7 does n include a real-"t1 #b-way voice or video communication4 7#f7 ,! t]m video conf]5ce call means a real-"t1 video or audio communication betwe5 #b or m individuals b does n include a telephone call ) no video capabilities4 4 7#b7 ,requir$ disclosure = telem>ket+ us+ artificial intellig5ce ,section #c7;a77#c7 ( ! ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act 7#ae ,u4,s4,c4 #fajb7;a77#c77 is am5d$-- 7,a7 9 subp>agraph 7,c71 by /rik+ 2 & & ins]t+ a comma2 7,b7 9 subp>agraph 7,d71 by /rik+ ! p]iod at ! end & ins]t+ 1 &2 & 7,c7 by ins]t+ aft] subp>agraph 7,d7 ! foll[+ new p>agraph3 7,e7 a requirem5t t any p]son t makes or transmits a telephone call or text message t employs artificial intellig5ce to emulate a human be+ %all promptly & cle>ly disclose to ! p]son receiv+ ! call or text message t su* artificial intellig5ce is be+ us$4 4 7b7 ,communications ,act ( #aicd ,! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #aea et seq47 is am5d$-- 7#a7 9 section #bbg 7#dg ,u4,s4,c4 #bbg7-- 7,a7 9 subsection 7a7-- 7i7 by r$esignat+ p>agraphs 7#a71 7#b71 7#c71 7#d71 & 7#e7 z p>agraphs 7#b71 7#c71 7#d71 7#e71 & 7#h71 respectively2 7ii7 by ins]t+ be=e p>agraph 7#b71 z s r$esignat$1 ! foll[+3 7#a7 ,! t]m artificial or pr]ecord$ voice includes any te*nological repres5tation ( spee* or conduct t-- 7,a7 is g5]at$-- 7i7 by any ma*9e or comput]2 or 7ii7 ?r\gh ! use ( artificial intellig5ce2 & 7,b7 appe>s to au!ntically depict ! spee* or conduct ( an individual :o did n actually engage 9 t spee* or conduct4 2 7iii7 9 p>agraph 7#b71 z s r$esignat$-- 7,i7 9 subp>agraph 7,a71 by ins]t+ aft] call$ ! foll[+3 7or to h text messages s5t to72 & 7,,ii7 9 subp>agraph 7,b71 by ins]t+ 1 or s5d text messages to1 aft] to dial2 & 7iv7 by ins]t+ aft] p>agraph 7#e71 z s r$esignat$1 ! foll[+3 7#f7 ,! t]m text message-- 7,a7 means a message consi/+ ( text1 images1 s\nds1 or o!r in=mation t is transmitt$-- 7i7 to or f a device t is id5tifi$ z ! receiv+ or transmitt+ device by means ( a #aj-;digit telephone numb]1 ,n#aa s]vice code1 %ort code telephone numb]1 or email address2 or 7ii7 ?r\gh application-to-p]son messag+2 7,b7 includes-- 7i7 a %ort message s]vice 7commonly ref]r$ to z ,,sms7 message2 7ii7 a multim$ia message s]vice 7commonly ref]r$ to z ,,mms7 message2 or 7iii7 a ri* communication s]vice 7commonly ref]r$ to z ,,rcs7 message2 & 7,c7 does n include a real-"t1 #b-way voice or video communication4 7#g7 ,! t]m text messag+ s]vice means a s]vice t enables ! transmission or receipt ( a text message1 includ+ a s]vice provid$ z "p ( or 9 connection ) a voice s]vice4 2 7,b7 9 subsection 7b77#a7-- 7i7 9 subp>agraph 7,a71 9 ! matt] prec$+ clause 7i7-- 7,i7 by ins]t+ or s5d any text message aft] make any call2 & 7,,ii7 by ins]t+ or text message aft] 7o!r ?an a call2 7ii7 9 subp>agraph 7,b71 by /rik+ resid5tial2 & 7iii7 9 subp>agraph 7,c71 9 ! matt] prec$+ clause 7i71 by ins]t+ or to a mobile device z a text message1 aft] to s5d1 to a telephone facsimile ma*9e12 & 7,c7 by add+ at ! end ! foll[+3 7k7 ,disclosures reg>d+ ! use ( artificial intellig5ce ,if a p]son makes or transmits a call1 or s5ds a text message1 t is deliv]$ us+ an automatic telephone dial+ sy/em1 or t uses artificial intellig5ce to emulate a human be+1 ! p]son %all include a disclosure at ! beg9n+ ( ! call or text message disclos+ ! fact t ! automatic telephone dial+ sy/em or artificial intellig5ce1 z applicable1 is be+ us$ 9 t mann]4 2 & 7#b7 9 section #bcj7;e7 7#dg ,u4,s4,c4 #bcj7;e771 by add+ at ! end ! foll[+3 7#f7 ,no effect on ! ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act ,no?+ 9 ?is section %all be con/ru$ to limit ! application ( ! ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act 7#ae ,u4,s4,c4 #faja et seq47 or "p #caj ( title #af1 ,code ( ,f$]al ,regulations 7or any successor regulations74 4 #e4 ,report+ & o!r improvem5ts 7a7 ,improv+ report+ & increas+ aw>5ess ( ,artificial ,intellig5ce & o!r scams ,! ,f$]al ,trade ,commission1 9 consultation ) ! ,attorney ,g5]al & ! ,f$]al ,communications ,commission1 may-- 7#a7 z soon z practicable aft] ! date ( enactm5t ( ?is ,act1 update ! web portal ( ! ,f$]al ,trade ,commission to include ! late/ in=mation1 se>*able by region & type ( scam1 on scams enabl$ by artificial intellig5ce1 includ+ contacts = relevant law en=cem5t & adult protective s]vice ag5cies2 7#b7 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 ( communication2 & 7#c7 "w ) m$ia outlets & law en=cem5t to di/ribute ! in=mation includ$ 9 ! web portal ( ! ,f$]al ,trade ,commission pursuant to p>agraph 7#a7 to s5ior citiz5s & _! families & c>egiv]s4 7b7 ,,ftc & ,,fcc jo9t ,artificial ,intellig5ce ,scam ,prev5tion ,advisory ,gr\p 7#a7 ,e/abli%m5t ,!re is e/abli%$ an ,artificial ,intellig5ce ,scams ,advisory ,gr\p 7ref]r$ to 9 ?is subsection z ! ,advisory ,gr\p74 7#b7 ,memb]s 7,a7 ,9 g5]al ,! ,advisory ,gr\p %all be compos$ ( ! foll[+ individuals or ! designees ( ^? individuals3 7i7 ,! ,*air ( ! ,f$]al ,trade ,commission4 7ii7 ,! ,*air ( ! ,f$]al ,communications ,commission4 7iii7 ,! ,secret>y ( ! ,treasury4 7iv7 ,! ,attorney ,g5]al4 7v7 ,! ,director ( ! ,consum] ,f9ancial ,protection ,bureau4 7vi7 ,repres5tatives f ea* ( ! foll[+ sectors1 includ+ trade associations1 to be select$ by ! ,f$]al ,trade ,commission 9 consultation ) ! ,f$]al ,communications ,commission3 7,i7 ,retail4 7,,ii7 ,gift c>ds4 7,,iii7 ,telecommunications 7includ+ voice ov] int]net protocol s]vice provid]s74 7,,iv7 ,wire-transf] s]vices4 7,v7 ,consum] advocacy organizations focus$ on prev5t+ consum] scams4 7,b7 ,*air ,! ,advisory ,gr\p %all be *air$ by ! ,*air ( ! ,f$]al ,trade ,commission & ! ,*air ( ! ,f$]al ,communications ,commission4 7#c7 ,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 7#d7 ,duties 7,a7 ,9 g5]al ,! ,advisory ,gr\p %all-- 7i7 collect in=mation on ! exi/5ce1 use1 & success ( educational mat]ials & programs = retail]s1 f9ancial s]vices1 & wire-transf] companies1 :i*-- 7,i7 are us$ z a guide to educate employees on h[ to id5tify & prev5t scams t are enabl$ by artificial intellig5ce2 & 7,,ii7 include-- 7aa7 useful in=mation = retail]s1 f9ancial s]vices1 & wire transf] companies = ! purpose describ$ 9 subclause 7,i72 7bb7 tra9+ = employees on ways to id5tify & prev5t scams2 7cc7 be/ practices = keep+ employees up to date on curr5t scams2 7dd7 ! mo/ effective signage & placem5t ( signage 9 retail locations to w>n ab\t ! use ( gift c>ds1 prepaid c>ds1 & wire transf] s]vices by scamm]s2 7ee7 be/ practices = collaborative community education campaigns2 7ff7 available te*nology to assi/ 9 id5tify+ possible scams at ! po9t ( sale2 & 7gg7 o!r in=mation t is helpful to retail]s1 wire transf] companies1 f9ancial in/itutions1 & _! employees z !y "w to prev5t scams2 & 7ii7 bas$ on ! f9d+s 9 clause 7i7-- 7,i7 id5tify inadequacies1 omissions1 or defici5cies 9 ^? educational mat]ials & programs = ! purposes li/$ 9 su* clause & _! execution 9 tea*+ employees to protect consum]s2 & 7,,ii7 create model mat]ials1 be/ practices1 guidance1 or recomm5dations to fill ^? inadequacies1 omissions1 or defici5cies t may be us$ by indu/ry & o!rs to help protect consum]s f scams4 7,b7 ,enc\rag$ use ,! ,*air ( ! ,f$]al ,trade ,commission & ! ,*air ( ! ,f$]al ,communications ,commission %all-- 7i7 make ! mat]ials or guidance creat$ by ! ,advisory ,gr\p publicly available2 & 7ii7 enc\rage ! use & di/ribution ( ! mat]ials or guidance creat$ by ! ,advisory ,gr\p to gov]nm5t ag5cies & ! private sector to prev5t scams affect+ consum]s4 7#e7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 & annually !reaft] until ! date describ$ 9 p>agraph 7#f71 ! ,advisory ,gr\p %all submit to ! ,committee on ,comm]ce1 ,sci5ce1 & ,transportation ( ! ,s5ate & ! ,committee on ,en]gy & ,comm]ce ( ! ,h\se ( ,repres5tatives a report on ! "w ( ! ,advisory ,gr\p1 toge!r ) ! recomm5dations ( ! ,advisory ,gr\p = su* legislation & adm9i/rative actions z ! ,advisory ,gr\p consid]s appropriate4 7#f7 ,t]m9ation ,! ,advisory ,gr\p %all t]m9ate on ! date t is #e ye>s aft] ! date ( enactm5t ( ?is ,act4 7c7 ,,ftc report on ,artificial ,intellig5ce enabl$ scams ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 & annually !reaft]1 ! ,f$]al ,trade ,commission %all submit to ,congress a report t includes-- 7#a7 a description ( ! numb] & types ( scams id5tifi$ by ! ,f$]al ,trade ,commission t use artificial intellig5ce2 & 7#b7 policy recomm5dations to prev5t su* scams1 especially z su* scams relate to voice clone imp]sonation4 7d7 ,annual report to ,congress on robocalls & transmission ( mislead+ or inaccurate call] id5tification in=mation 7#a7 ,9 g5]al ,section #bbg7;h77#b7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bbg7;h77#b77 is am5d$-- 7,a7 9 subp>agraph 7,a7-- 7i7 9 clause 7i71 by /rik+ t a consum] receiv$ a call 9 violation & ins]t+ a violation2 7ii7 9 clause 7ii71 by /rik+ t a consum] receiv$ a call 9 violation & ins]t+ a violation2 & 7iii7 9 clause 7iii71 by /rik+ t a consum] receiv$ a call 9 connection ) :i* mislead+ or inaccurate call] id5tification in=mation 0 transmitt$ 9 violation & ins]t+ a violation2 7,b7 9 subp>agraph 7,f71 by /rik+ calls made 9 violation & ins]t+ violations2 & 7,c7 9 subp>agraph 7,g7-- 7i7 by ins]t+ 7or high-volume1 unlawful text messages7 aft] unlawful1 %ort-duration calls2 & 7ii7 by /rik+ calls made 9 violation ea* place t t]m appe>s & ins]t+ violations4 7#b7 ,in=mation %>+ ,section #bbg7;i7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bbg7;i77 is am5d$-- 7,a7 by /rik+ p>agraph 7#b72 7,b7 by /rik+ ,%>+ 9 ! subsection head+ & all t foll[s ?r\gh ,n lat] ?an & ins]t+ ! foll[+3 ,%>+4--,n lat] ?an2 & 7,c7 by r$esignat+ subp>agraphs 7,a7 & 7,b7 z p>agraphs 7#a7 & 7#b71 respectively1 & adju/+ ! m>g9s accord+ly4 7#c7 ,robocall block+ s]vice ,section #bbg7;j7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bbg7;j77 is am5d$-- 7,a7 by /rik+ p>agraph 7#b72 7,b7 by /rik+ ,s]vice 9 ! subsection head+ & all t foll[s ?r\gh ,n lat] ?an & ins]t+ ! foll[+3 ,s]vice4--,n lat] ?an2 7,c7 by r$esignat+ subp>agraphs 7,a71 7,b71 & 7,c71 z p>agraphs 7#a71 7#b71 & 7#c71 respectively1 & adju/+ ! m>g9s accord+ly2 & 7,d7 by r$esignat+ clauses 7i7 & 7ii7 z subp>agraphs 7,a7 & 7,b71 respectively1 & adju/+ ! m>g9s accord+ly4 7#d7 ,regulations ,n lat] ?an #bgj days aft] ! date ( enactm5t ( ?is ,act1 ! ,f$]al ,communications ,commission %all promulgate regulations to implem5t ! am5dm5ts made by ?is subsection4