National Strategy for Combating Scams Act of 2025
- Bill Number
- H.R. 6425
- Origin Chamber
- House
- Congress
- 119th Congress, Session 1
- Policy Area
- Commerce
- Status
- Introduced
- Latest Action
- 2025-12-04: Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Last Updated
- 2026-05-14T08:07:56Z
AI-Generated Summary
Purpose The legislation establishes a coordinated national approach to combat scams by directing the Federal Bureau of Investigation to lead development of a National Strategy for Combating Scams. It responds to high reported losses, increasing use of advanced technology in fraud, and fragmented agency efforts.
Key Provisions
- Working Group Creation: Within 90 days of enactment, the FBI Director must form a group including the Federal Trade Commission, Consumer Financial Protection Bureau, and 16 other specified agencies to develop the strategy.
- Strategy Development: The strategy must include stakeholder input, a common definition of “scam,” risk analysis, prevention best practices, agency role definitions, data collection improvements, interagency coordination plans, private-sector partnerships, international cooperation, and resource needs.
- Submission and Updates: The strategy must be submitted to Senate and House Judiciary Committees and the Senate Special Committee on Aging within one year, made public online, and updated at least every five years.
- Definition Adoption: The FBI, FTC, and CFPB must adopt the recommended common definition of “scam” within one year of publication and update it with future revisions.
Significant Changes to Existing Law This bill creates new requirements for interagency coordination and a unified national plan. It does not repeal or amend specific statutes but mandates development of a shared definition of “scam” and standardized data practices across listed agencies where such uniformity previously did not exist.
Potential Impacts
- Government Agencies: Requires improved data sharing, reduced duplication, and coordinated complaint systems among at least 18 federal entities, potentially streamlining enforcement.
- Citizens: Aims to enhance victim resources, accessible reporting, and public warnings, with particular attention to older adults and people with disabilities.
- International Relations: Calls for stronger cross-border enforcement cooperation to address scams originating abroad.
Main Stakeholders Affected
- Federal agencies and law enforcement entities listed in the working group.
- Community groups including scam survivors, older adults, disability advocates, prosecutors, businesses (telecom, financial, tech), nonprofits, and state/local/Tribal officials.
- Victims and financial institutions involved in scam recovery.
Notable Legal, Constitutional, or Political Implications The bill introduces a statutory process for defining “scam” for enforcement purposes by three key agencies and requires ongoing congressional reporting. It raises no apparent constitutional concerns and reflects a bipartisan effort to address consumer protection through coordinated federal action.
This summary was generated by AI and may contain inaccuracies. Refer to the official source document for the authoritative text.
Sponsor
Cosponsors (12)
Rep. Schmidt, Derek [R-KS-2], Del. Norton, Eleanor Holmes [D-DC-At Large], Rep. McBride, Sarah [D-DE-At Large], Rep. Nehls, Troy E. [R-TX-22], Rep. Goldman, Daniel S. [D-NY-10], Rep. Gill, Brandon [R-TX-26], Rep. McDonald Rivet, Kristen [D-MI-8], Rep. Magaziner, Seth [D-RI-2], Rep. Vasquez, Gabe [D-NM-2], Rep. Sorensen, Eric [D-IL-17], Rep. Stanton, Greg [D-AZ-4], Rep. Latimer, George [D-NY-16]
Recent Actions
- 2025-12-04: Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 2025-12-04: Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 2025-12-04: Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 2025-12-04: Introduced in House
- 2025-12-04: Introduced in House
Bill Versions
- National Strategy for Combating Scams Act of 2025 — issued 2025-12-04 — PDF (12 pages)