# 119-hr-6306: AI Fraud Deterrence Act

119-hr-6306, AI Fraud Deterrence Act, is a 119th Congress bill sponsored by Rep. Lieu, Ted [D-CA-36] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6306
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6306
- Congress: 119
- Title: AI Fraud Deterrence Act
- Status: introduced
- Introduced: 2025-11-25
- Sponsor: Rep. Lieu, Ted [D-CA-36] (D-CA)
- Cosponsors: 1
- Policy area: Crime and Law Enforcement
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Deters AI-enabled financial crime by boosting penalties for fraud, money laundering, and impersonation.** The bill would add AI-specific fines and longer prison terms across several federal offenses and adopts the National AI Initiative Act definition of artificial intelligence. - People who use AI to commit mail or wire fraud would face higher thresholds and tougher penalties. It raises the base monetary threshold for those offenses to $2 million and adds AI-enhanced penalties that include longer prison terms up to 20 years. - Financial-crime actors face stiffer consequences. AI-assisted bank fraud could carry penalties reaching 30 years in prison, and AI-aided money laundering could trigger penalties up to three times the value of the funds involved and long prison terms. - Impersonating federal officials with AI would become more severely punishable. Such impersonation can bring fines up to $1 million and up to 3 years in prison, while the bill preserves clearly labeled satire and parody and ties the term "AI" to section 5002 of the National AI Initiative Act.

## Cosponsors (1)

- Rep. Dunn, Neal P. [R-FL-2] (R-FL), 2025-11-25T00:00:00.000Z

## Provisions PRIA read

- Higher penalties for AI-aided financial crimes: benefit, medium. This bill would raise penalties when AI helps commit fraud or money laundering. Mail and wire fraud thresholds would rise from $1,000,000 to $2,000,000. Mail and wire fraud done with AI could bring up to a $1,000,000 fine and up to 20 years in prison. Bank fraud done with AI could bring up to a $2,…
- Penalties for AI impersonating federal officials: benefit, medium. This bill would add higher penalties when AI is used to impersonate a federal official. Offenders could face up to a $1,000,000 fine and up to 3 years in prison. It would protect satire and parody that clearly disclose they are not real. These changes would take effect upon enactment.
- Shared definition of artificial intelligence in crimes: mixed, low. This bill would use the National Artificial Intelligence Initiative Act of 2020 definition of “artificial intelligence” for certain crimes. The shared definition would apply to fraud and related offenses, impersonation, and money laundering. This could clarify which tools count as AI for those pena…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-8516: American Leadership in AI Act

## Sources
- [119-hr-6306 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6306)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-8516: American Leadership in AI Act](https://policyrisk.com/legislation/119-hr-8516)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6306 (as of 2026-04-21).