# 119-hr-4936: TRAPS Act

119-hr-4936, TRAPS Act, is a 119th Congress bill sponsored by Rep. Nunn, Zachary [R-IA-3] (R-IA); status in_committee; PRIA reads it as touching household money (as of 2026-10-15).

- Canonical: https://policyrisk.com/legislation/119-hr-4936
- As of: 2026-10-15
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4936
- Congress: 119
- Title: TRAPS Act
- Status: in_committee
- Introduced: 2025-08-08
- Sponsor: Rep. Nunn, Zachary [R-IA-3] (R-IA)
- Cosponsors: 57
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-15

## Summary

**A cross-agency Task Force to recognize and avert payment scams** would bring federal agencies, industry, and victims together to study scam trends, recommend prevention and enforcement steps, and publish public findings. - Consumers and families would see coordinated consumer education and guidance aimed at spotting and avoiding common scam tactics like spoofed calls, scam texts, and malicious websites. - Financial institutions and payment providers would have official representation on the Task Force so banks, credit unions, community banks, and digital payment networks can share and adopt best practices. - Victims and support networks would be represented with up to 5 appointed members to ensure survivor experience shapes recommendations and outreach strategies. - Regulators and law enforcement would coordinate across federal, State, local, and Tribal authorities, meet at least 3 times in the first year, and deliver a public report within 1 year with recommended legislative or regulatory steps.

## Cosponsors (57)

- Rep. Min, Dave [D-CA-47] (D-CA), 2026-10-05T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2026-10-13T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-09-11T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-09-15T00:00:00.000Z
- Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-09-17T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-09-18T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-09-26T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-09-26T00:00:00.000Z
- Rep. Scott, David [D-GA-13] (D-GA), 2025-09-26T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-09-26T00:00:00.000Z
- Rep. Buchanan, Vern [R-FL-16] (R-FL), 2025-09-30T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-10-17T00:00:00.000Z
- Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2025-10-17T00:00:00.000Z
- Rep. Himes, James A. [D-CT-4] (D-CT), 2025-08-08T00:00:00.000Z
- Rep. Beyer, Donald S. [D-VA-8] (D-VA), 2025-08-19T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-08-19T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-09-02T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-09-10T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2025-09-10T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2025-10-24T00:00:00.000Z
- Rep. Steil, Bryan [R-WI-1] (R-WI), 2025-10-31T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2025-11-19T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-12-09T00:00:00.000Z
- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2025-12-18T00:00:00.000Z
- Rep. Tran, Derek [D-CA-45] (D-CA), 2025-12-19T00:00:00.000Z
- Rep. Lucas, Frank D. [R-OK-3] (R-OK), 2026-01-07T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2026-02-02T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2026-02-10T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-02-10T00:00:00.000Z
- Rep. Smith, Christopher H. [R-NJ-4] (R-NJ), 2026-02-20T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2026-03-04T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2026-03-17T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2026-03-17T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2026-03-17T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-03-17T00:00:00.000Z
- Rep. Malliotakis, Nicole [R-NY-11] (R-NY), 2026-03-17T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2026-03-17T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2026-03-25T00:00:00.000Z
- Rep. Bacon, Don [R-NE-2] (R-NE), 2026-03-26T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2026-03-26T00:00:00.000Z
- Rep. Walkinshaw, James R. [D-VA-11] (D-VA), 2026-04-09T00:00:00.000Z
- Rep. Harrigan, Pat [R-NC-10] (R-NC), 2026-03-18T00:00:00.000Z
- Rep. Kiggans, Jennifer A. [R-VA-2] (R-VA), 2026-03-25T00:00:00.000Z
- Rep. Foxx, Virginia [R-NC-5] (R-NC), 2026-04-09T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2026-04-16T00:00:00.000Z
- Rep. Smith, Adrian [R-NE-3] (R-NE), 2026-04-20T00:00:00.000Z
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ), 2026-04-14T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2026-04-28T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2026-04-28T00:00:00.000Z
- Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2026-06-02T00:00:00.000Z
- Rep. Keating, William R. [D-MA-9] (D-MA), 2026-06-10T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2026-06-15T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2026-06-23T00:00:00.000Z
- Rep. Crow, Jason [D-CO-6] (D-CO), 2026-07-13T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2026-09-10T00:00:00.000Z
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2026-09-14T00:00:00.000Z
- Rep. Evans, Gabe [R-CO-8] (R-CO), 2026-09-24T00:00:00.000Z

## Provisions PRIA read

- Study, report, and recommend anti-scam steps: benefit, medium. This bill would require the Task Force to study how scammers use spoofed calls, scam texts, malicious ads, websites, payment platforms, and business email compromise. It would evaluate best practices, international responses, and how platforms and banks are being exploited. The Task Force would des…
- Treasury-led payment scam Task Force: mixed, medium. This bill would require the Treasury Secretary to set up a Task Force on Payment Scams within 90 days. The Task Force would be chaired by the Secretary or a designee and include many federal agencies plus industry and stakeholder appointees. The Secretary could add up to five representatives for vi…

## Related bills

- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-2102: Major Richard Star Act
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act

## Sources
- [119-hr-4936 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4936)

## Related
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4936 (as of 2026-10-15).