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119-s-5051119th CongressWALLET

AI AGENT Act of 2026

Sponsored By: Senator Warner, Mark R. [D-VA]

Introduced

Summary

This bill would force large online platforms to open controlled access via interoperable interfaces so authorized custodial user agents can interact with user-linked services. It aims to balance third-party access with privacy and security rules.

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  • Users and custodial user agent providers: Authorized custodial user agents would gain structured access comparable to what users can do, with interface documentation required within 120 days and a 14-day cure period if access is denied.
  • Large online platforms: Covers platforms with more than 50 million U.S. users and would require them to maintain interoperability interfaces on fair, reasonable, and nondiscriminatory terms, file privacy and security standards, and give advance notice of interface changes.
  • Regulators and technical standards: The Federal Trade Commission would set verification and enforcement rules and treat violations as unfair or deceptive practices. The National Institute of Standards and Technology must publish model open protocols and standards within 180 days and the Commission must write implementing regulations within 1 year.

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Bill Overview

Analyzed Economic Effects

5 provisions identified: 4 benefits, 1 costs, 0 mixed.

Easier agent access to big platforms

If enacted, large online platforms would have to let authorized custodial user agents access interoperability interfaces on fair, reasonable, and nondiscriminatory terms. Platforms could not change interfaces or terms to unreasonably block agents. Platforms that let their own affiliated agents interoperate would have to offer functionally equivalent interfaces to competing agents. Platforms would also have to provide complete interface documentation and give reasonable advance notice of changes. These requirements would begin when the FTC issues implementing regulations or 1 year after enactment, and documentation disclosure must begin within 120 days after enactment.

New privacy and technical standards

If enacted, large platforms would have to file privacy and security standards with the FTC, and the FTC would make those standards public. The Director of NIST would identify or publish model technical standards and open protocols within 180 days for messaging, social media, e-commerce, personal finance, AI services, and verifiable delegation. The FTC would also make rules within 180 days to verify custodial agent requests for user data. These steps would aim to improve data security and standardize how agents access accounts.

Stronger enforcement and agency rules

If enacted, the FTC would have to issue implementing regulations within 1 year, coordinating with financial regulators where relevant. Violations of the Act would be treated as unfair or deceptive acts under the FTC Act and the FTC could enforce them, including against common carriers. The FTC would set complaint procedures and do regular compliance assessments. When assessing fines, the FTC would count each affected user as a separate violation. The FTC would also convene a nine‑agency working group within 180 days to propose ways to reduce fraud and harms from custodial agents.

Rules for access denials and appeals

If enacted, platforms that deny access by custodial user agents under privacy or security standards must report the denial to the FTC and give the agent provider a written rationale. The agent provider would get 14 calendar days to fix the issue while the platform may continue to deny access. The agent provider could appeal to the FTC, which may order access if the denial is arbitrary or unsupported. Denial reports would be made public with personal and business-sensitive data redacted.

New fees for custodial agents

If enacted, custodial user agent providers would be permitted to charge users fees for agent products or services that act on a user's behalf. The bill does not set fee levels. This could create a new cost for households that use custodial agents. The rule would start when the FTC issues implementing regulations or 1 year after enactment.

Sponsors & CoSponsors

Sponsor

Warner, Mark R. [D-VA]

VA • D

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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