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119-s-3355119th CongressWALLET

National Strategy for Combating Scams Act of 2025

Sponsored By: Senator Gillibrand, Kirsten E. [D-NY]

Introduced

Summary

Creates a federally coordinated National Strategy to combat scams. A working group led by the Director of the Federal Bureau of Investigation (FBI) would develop and maintain the strategy in coordination with 18 federal agencies and a broad set of community and private-sector stakeholders.

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  • Families and scam survivors would get a voice in prevention and recovery planning. The working group must gather feedback from survivors, older adults, people with disabilities, and related organizations and evaluate ways to support victim recovery and accessible assistance.
  • Telecom, financial, social media, retail, and technology companies would face stronger coordination with government. The strategy would push for private-public data sharing, authentication and blocking of scam transactions, and coordinated enforcement and takedown actions.
  • Federal, state, local, tribal, and international authorities would get clearer roles and shared data systems. The group would define a common definition of "scam", harmonize consumer complaint reporting, assess risks and prevention methods, and must publish the National Strategy within 2 years and update it at least every 5 years.

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Bill Overview

Analyzed Economic Effects

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

National scam strategy and definition

This bill would require the FBI Director to set up a multi-agency working group within 90 days. The group would publish a National Strategy within 2 years and update it at least every 5 years. Updates would be submitted to relevant congressional committees and posted publicly within 30 days. The Strategy would define "scam," harmonize complaint and dollar-loss data (including unreported incidents), plan rapid warnings, data sharing, law enforcement modernization, and steps to help victims recover funds. The FBI, FTC, and CFPB would have 1 year after publication to adopt the Strategy's common definition and 1 year after any later update to adopt changes.

Sponsors & CoSponsors

Sponsor

Gillibrand, Kirsten E. [D-NY]

NY • D

Cosponsors

  • Sen. Scott, Rick [R-FL]

    FL • R

    Sponsored 12/4/2025

  • Sen. Kelly, Mark [D-AZ]

    AZ • D

    Sponsored 12/4/2025

  • Sen. Moody, Ashley [R-FL]

    FL • R

    Sponsored 12/4/2025

  • Sen. Ossoff, Jon [D-GA]

    GA • D

    Sponsored 12/18/2025

Roll Call Votes

No roll call votes available for this bill.

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