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119-hr-5683119th CongressWALLET

Military Consumer Protection Task Force Act of 2025

Sponsored By: Representative Lynch, Stephen F. [D-MA-8]

Introduced

Summary

Creates an interagency task force to identify and stop financial scams aimed at service members, veterans, and military families. It would centralize federal data, surface new fraud patterns, and produce recommendations to improve prevention and enforcement across agencies.

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  • Military members, veterans, and families: Would give federal officials a coordinated source of data and recommendations to fight scams that cost military communities hundreds of millions annually, including reported losses of about $584 million in 2024 and nearly 80,000 FTC complaints in 2024.
  • Federal agencies and oversight bodies: Would bring together the Department of Defense, Department of Veterans Affairs, Federal Trade Commission, Consumer Financial Protection Bureau, Department of Justice, Federal Communications Commission, and the Postal Inspection Service plus three non-government representatives to coordinate detection, prevention, and policy reviews.
  • Private sector and local partners: Would require regular consultation with state and local law enforcement, financial services, technology and social media companies, and veterans service groups to evaluate emerging risks like buy-now-pay-later and digital payment schemes and to inform federal recommendations.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Task force to fight military scams

If enacted, this would set up an interagency task force within 90 days to fight financial scams against service members, veterans, and families. It would include DoD, VA, FTC, CFPB, DOJ, FCC, the Postal Inspection Service, and three outside members (at least one from a veterans group). The task force would meet at least three times a year and consult victims, other federal agencies, law enforcement, banks, tech firms, and social media. It would track medical billing, credit reporting, and debt collection problems; map scams like phishing, investment fraud, predatory lending, pension poaching, and fake checks; and review risks from buy-now-pay-later and digital payments. It would review laws like the Military Lending Act and Servicemembers Civil Relief Act, recommend stronger actions, and report to Congress within 180 days and then yearly.

Sponsors & CoSponsors

Sponsor

Lynch, Stephen F. [D-MA-8]

MA • D

Cosponsors

  • Rep. McBride, Sarah [D-DE-At Large]

    DE • D

    Sponsored 10/3/2025

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 10/3/2025

  • Rep. Tlaib, Rashida [D-MI-12]

    MI • D

    Sponsored 10/3/2025

Roll Call Votes

No roll call votes available for this bill.

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