119 HR 6681 IH: National Scam Prevention Coordination Act
U.S. House of Representatives
2025-12-11
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EN
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I
119th CONGRESS
1st Session
H. R. 6681
IN THE HOUSE OF REPRESENTATIVES
December 11, 2025
Mr. Whitesides (for himself and Mr. Shreve) introduced the following bill; which was referred to the Committee on Energy and Commerce, and in addition to the Committees on Foreign Affairs, the Judiciary, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned
A BILL
To establish the Office of the National Fraud and Scam Prevention, and for other purposes.
1.

Short title
This Act may be cited as the “National Scam Prevention Coordination Act”.
2.

Office of the National Fraud and Scam Prevention
(a)

Establishment
There is established, within the Executive Office of the President, the Office of the National Fraud and Scam Prevention (in this section referred to as the “Office”).
(b)

National fraud and scam prevention Director
(1)

In general
The Office shall be headed by the National Fraud and Scam Prevention Director (in this section referred to as the “Director”) who shall be appointed by the President, by and with the advice and consent of the Senate.
(2)

Position
The Director shall hold office at the pleasure of the President.
(3)

Pay and allowances
The Director shall be entitled to receive the rate of pay and allowances provided for positions under level II of the Executive Schedule under section 5313 of title 5, United States Code.
(c)

Duties of the Director
(1)

In general
Subject to the authority, direction, and control of the President, the Director shall—
(A)
serve as the principal advisor to the President on scam and fraud prevention policy and strategy relating to the coordination of—
(i)
information sharing, security, and data protection;
(ii)
programs and policies intended to improve the fraud and scam prevention;
(iii)
posture of the United States;
(iv)
efforts to understand and deter fraud and scams;
(v)
diplomatic and other efforts to develop norms and international consensus around responsible state behavior in fraud and scam prevention;
(vi)
awareness and adoption of emerging technology that may enhance, augment, or degrade the fraud and scam prevention posture of the United States;
(vii)
efforts to educate the public on how to best prevent falling victim of fraud and scams; and
(viii)
such other fraud and scam prevention matters as the President considers appropriate;
(B)
establish a fraud data shield program allowing entities to share non-personally identifiable scam data with the Office;
(C)
offer advice and consultation to the Domestic Policy Counsel in the White House and its staff, the Homeland Security Council and its staff, and relevant Federal departments and agencies, for their consideration, relating to the development and coordination of national fraud and scam prevention policy and strategy;
(D)
lead the coordination of implementation of national fraud and scam prevention policy and strategy by—
(i)
in coordination with the heads of relevant Federal departments or agencies, monitoring and assessing the effectiveness, including cost-effectiveness, of the implementation of such national fraud and scam prevention policy and strategy by Federal departments and agencies;
(ii)
making recommendations, relevant to changes in the organization, personnel, and resource allocation and to policies of Federal departments and agencies, to the heads of relevant Federal departments and agencies in order to implement such national fraud and scam prevention policy and strategy;
(iii)
reviewing the annual budget proposals for relevant Federal departments and agencies and advising the heads of such departments and agencies whether such proposals are consistent with such national fraud and scam prevention policy and strategy;
(iv)
continuously assessing and making relevant recommendations to the President on the appropriate level of integration and interoperability across relevant Federal departments and agencies;
(v)
reporting annually to the President, the Assistant to the President for the Domestic Policy Counsel, and Congress on the state of the fraud and scam prevention posture of the United States, the effectiveness of such national fraud and scam prevention policy and strategy, and the status of the implementation of such national fraud and scam prevention policy and strategy by Federal departments and agencies; and
(vi)
such other activity as the President considers appropriate to further such national fraud and scam prevention policy and strategy;
(E)
lead coordination of the development and ensuring implementation by the Federal Government of integrated incident response to fraud and scam campaigns of significant consequence, including—
(i)
ensuring and facilitating coordination among relevant Federal departments and agencies in the development of integrated operational plans, processes, and playbooks, including for incident response, that feature—
(I)
clear lines of authority and lines of effort across the Federal Government;
(II)
authorities that have been delegated to an appropriate level to facilitate effective operational responses across the Federal Government; and
(III)
support for the integration of defensive fraud and scam prevention plans and capabilities with offensive fraud and scam plans and capabilities in a manner consistent with improving the fraud and scam prevention posture of the United States;
(ii)
ensuring the exercising of defensive operational plans, processes, and playbooks for incident response;
(iii)
ensuring the updating of defensive operational plans, processes, and playbooks for incident response as needed to keep them updated; and
(iv)
reviewing and ensuring that defensive operational plans, processes, and playbooks improve coordination with relevant private sector entities, as appropriate;
(F)
preparing the response by the Federal Government to fraud and scam campaigns of significant consequence across Federal departments and agencies with responsibilities pertaining to fraud and scam prevention and with the relevant private sector entities, including—
(i)
developing for the approval of the President, in coordination with the heads of relevant Federal departments and agencies, operational priorities, requirements, and plans;
(ii)
ensuring incident response is executed consistent with the plans described in clause (i); and
(iii)
ensuring relevant Federal department and agency consultation with relevant private sector entities in incident response;
(G)
coordinate and consult with private sector leaders on fraud and scam prevention and emerging technology issues in support of, and in coordination with, the Director of the Cybersecurity and Infrastructure Security Agency and the heads of other Federal departments and agencies, as appropriate;
(H)
annually report to Congress on fraud and scam threats and issues facing the United States, including any new or emerging technologies that may affect national security, economic prosperity, or enforcing the rule of law;
(I)
provide technical assistance and strategic guidance to, without supplanting, existing interagency task forces; and
(J)
be responsible for such other functions as the President may direct.
(2)

Delegation of authority
(A)

In general
The Director may—
(i)
serve as the senior representative to any organization that the President may establish for the purpose of providing the President advice on fraud and scam prevention;
(ii)
subject to subparagraph (B), be included as a participant in preparations for and, when appropriate, the execution of domestic and international summits and other international meetings at which fraud and scam prevention is a major topic;
(iii)
delegate any of the Director’s functions, powers, and duties to such officers and employees of the Office as the Director considers appropriate; and
(iv)
authorize such successive re-delegations of such functions, powers, and duties to such officers and employees of the Office as the Director considers appropriate.
(B)

Summits
In acting under subparagraph (A)(ii) in the case of a summit or a meeting with an international partner, the Director shall act in coordination with the Secretary of State.
(d)

Powers of the Director
(1)

In general
The Director may, for the purposes of carrying out the functions of the Director under this section—
(A)
subject to the civil service and classification laws, select, appoint, employ, and fix the compensation of such officers and employees as are necessary and prescribe their duties, except that not more than 20 individuals may be employed without regard to any provision of law regulating the employment or compensation at rates not to exceed the basic rate of basic pay payable for level IV of the Executive Schedule under section 5315 of title 5, United States Code;
(B)
employ experts and consultants in accordance with section 3109 of title 5, United States Code, and compensate individuals so employed for each day (including travel time) at rates not in excess of the maximum rate of basic pay for grade GS–15 as provided in section 5332 of such title, and while such experts and consultants are so serving away from their homes or regular place of business, to pay such employees travel expenses and per diem in lieu of subsistence at rates authorized by section 5703 of such title 5 for persons in Federal Government service employed intermittently;
(C)
accept officers or employees of the United States or members of the Armed Forces on a detail from an element of the intelligence community (as such term is defined in section 3(4) of the National Security Act of 1947 (50 U.S.C. 3003(4))) or from another element of the Federal Government on a nonreimbursable basis, as jointly agreed to by the heads of the receiving and detailing elements, for a period not to exceed 3 years;
(D)
promulgate such rules and regulations as may be necessary to carry out the functions, powers, and duties vested in the Director;
(E)
utilize, with their consent, the services, personnel, and facilities of other Federal agencies;
(F)
enter into and perform such contracts, leases, cooperative agreements, or other transactions as may be necessary in the conduct of the work of the Office and on such terms as the Director may determine appropriate, with any Federal agency, or with any public or private person or entity;
(G)
accept voluntary and uncompensated services, notwithstanding the provisions of section 1342 of title 31, United States Code;
(H)
adopt an official seal, which shall be judicially noticed; and
(I)
provide, where authorized by law, copies of documents to persons at cost, except that any funds so received shall be credited to, and be available for use from, the account from which expenditures relating thereto were made.
(2)

Rules of construction regarding details
Nothing in paragraph (1)(C) may be construed as imposing any limitation on any other authority for reimbursable or nonreimbursable details. A nonreimbursable detail made pursuant to such paragraph shall not be considered an augmentation of the appropriations of the receiving element of the Office.
(e)

Immunity
Any person who in good faith shares non-personally identifiable information with the Office to carry out the purposes of this Act shall not be liable under a civil action for such disclosure.
(f)

Definitions
In this section—
(1)
the term fraud means acts that intentionally and knowingly deceive the victim by misrepresenting, concealing, or omitting facts about promised goods, services, or other benefits and consequences that are nonexistent, unnecessary, never intended to be provided, or deliberately distorted for the purpose of monetary gain, and includes both transactions authorized by the victim and those that are not so authorized;
(2)
the term fraud and scam prevention posture means the ability to identify, to protect against, to detect, to prevent, to respond to, and to recover from completed, ongoing, or planned fraud or scams;
(3)
the term incident means an individual completed, ongoing, or planned act of fraud or larger fraud campaign;
(4)
the term incident response means a government or private sector activity that detects, prevents, mitigates, or recovers from a fraud or scam campaign of significant consequence;
(5)
the term intelligence has the meaning given such term in section 3 of the National Security Act of 1947 (50 U.S.C. 3003);
(6)
the term “relevant Federal departments and agencies” includes—
(A)
the Department of State, including the Bureau of International Narcotics and Law Enforcement Affairs, the Bureau of East Asian and Pacific Affairs, and the Office to Monitor and Combat Trafficking in Persons;
(B)
the Department of Justice, including the Federal Bureau of Investigation;
(C)
the Department of Homeland Security, including the U.S. Secret Service and Homeland Security Investigations;
(D)
the Department of the Treasury, including the Office of Terrorism and Financial Intelligence, the Office of Foreign Assets Control, and Financial Crimes Enforcement Network;
(E)
the Federal Communications Commission; and
(F)
the Federal Trade Commission;
(7)
the term scam means a type of fraud where the victim is tricked into willingly providing money or personal information to a malicious actor, who deceived the victim for monetary gain; and
(8)
the term “significant consequence” means, with respect to any fraud or scam campaign, that such campaign results in aggregate losses exceeding $5,000,000, affecting more than 1,000 individuals, or posing a substantial threat to national economic or cybersecurity interests, as determined by the Director in consultation with the heads of relevant Federal departments and agencies.
(g)

Sunset
The authority to carry out this Act and the Office shall terminate on the date that is five years after the date of the enactment of this Act.