# 119-hr-7316: SNAP Payment Security and Fraud Prevention Act of 2026

119-hr-7316, SNAP Payment Security and Fraud Prevention Act of 2026, is a 119th Congress bill sponsored by Rep. Malliotakis, Nicole [R-NY-11] (R-NY); status in_committee; PRIA reads it as touching household money (as of 2026-07-25).

- Canonical: https://policyrisk.com/legislation/119-hr-7316
- As of: 2026-07-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7316
- Congress: 119
- Title: SNAP Payment Security and Fraud Prevention Act of 2026
- Status: in_committee
- Introduced: 2026-02-02
- Sponsor: Rep. Malliotakis, Nicole [R-NY-11] (R-NY)
- Cosponsors: 0
- Policy area: Agriculture and Food
- Touches household money: yes
- Last recorded action: 2026-07-25

## Summary

**Modernizes SNAP payment security** by proposing chip-enabled EBT cards and expanded USDA Inspector General authority to hunt cyber-enabled benefit theft and cloning fraud. - Households would get emergency replacement EBT cards within 3 business days when cards are lost, damaged, stolen, or frozen, and access at least 12 months of transaction history. They would also get online controls like virtual card numbers and the ability to freeze accounts. - States and retailers would face technical rules. Retailers seeking SNAP authorization would need a chip-enabled payment terminal at each location within 180 days after final regulations. States must offer mobile-friendly, accessible user interfaces with 99 percent uptime and provide free APIs for third-party account access. - Enforcement and system security would be beefed up. The USDA Inspector General would gain subpoena and warrant authority and coordinate with DOJ, FBI, DHS, Secret Service, and financial institutions. Civil penalties could equal twice the value of stolen benefits to reimburse households and offset enforcement, and the bill requires a Puerto Rico EBT security report within 1 year.

## Provisions PRIA read

- Safer EBT cards and SNAP accounts: benefit, medium. This bill would require new cybersecurity and digital service rules for EBT cards and SNAP account interfaces. States would have to start issuing chip-enabled EBT cards within 2 years, stop issuing new magnetic-stripe cards within 4 years, and reissue existing magnetic-stripe cards within 5 years.…
- Stronger SNAP fraud enforcement and fines: mixed, medium. This bill would expand the USDA Inspector General's authority to investigate multi-jurisdictional and cyber-enabled SNAP benefit theft. The IG could issue subpoenas and warrants, get data from State EBT processors and vendors, make civil or criminal referrals, and work with DOJ, FBI, Secret Service…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-2570: Maximum Pressure Act
- 119-hr-4317: PBM Reform Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025

## Sources
- [119-hr-7316 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7316)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-4317: PBM Reform Act of 2025](https://policyrisk.com/legislation/119-hr-4317)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7316 (as of 2026-07-25).