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To require the Director of the Federal Bureau of Investigation, the Bureau of Consumer Financial Protection, and the Federal Trade Commission to undertake a governmentwide effort to counter scams, and for other purposes.
Summary
The bill requires the FBI, Consumer Financial Protection Bureau, and Federal Trade Commission to coordinate a government-wide effort to counter scams. Within one year of enactment, these agencies must develop a unified strategy, adopt a common definition of scams, and standardize how they collect data on scam complaints and losses. Within two years, they must produce a single government estimate of how many consumers are affected by scams annually and the total dollar losses involved. Each agency must also report their scam complaints, establish metrics to measure the effectiveness of their anti-scam training programs, and make scam data publicly available in annual reports.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Harder, Josh [D-CA-9] (D-CA)
2 cosponsors
Money behind the sponsor
Top reported contributors to Josh Harder’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- GOOGLE $34,620
- BESSEMER VENTURE PARTNERS $28,100
- STANFORD UNIVERSITY $25,550
- BOSTON CONSULTING GROUP $19,800
- COOLEY LLP $16,200
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Josh Harder → · Outside spending →
Actions (2)
- Jan 22, 2026 Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, 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. · house
- Jan 22, 2026 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE HOUSE OF REPRESENTATIVES
January 22, 2026
Mr. Harder of California (for himself and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, 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 require the Director of the Federal Bureau of Investigation, the Bureau of Consumer Financial Protection, and the Federal Trade Commission to undertake a governmentwide effort to counter scams, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Stop Schemes, Cyberfraud, Abuse, Manipulation, and Swindles Act” or the “Stop SCAMS Act”.
SEC. 2. COUNTERING SCAMS AND RELATED ACTIVITIES.
(a) In General.—The Director of the Federal Bureau of Investigation shall, in coordination with the Bureau of Consumer Financial Protection, the Federal Trade Commission, and the head of any other agency that the Director determines appropriate—
(1) not later than 1 year after the date of the enactment of this section—
(A) develop and implement a government-wide strategy to counter scams and coordinate activities across the government relating to countering scams;
(B) adopt a single definition of scam and various scam types; and
(C) explore ways to harmonize data collection to better identify scams, including by consistently collecting data on scam type, dollar loss amount, payment method, and other data fields, as determined appropriate by the Director; and
(2) not later than 2 years after the date of the enactment of this section, develop and report a single, governmentwide estimate of—
(A) the number of consumers affected by scams each year, factoring in an estimate of incidents not reported; and
(B) the dollar losses resulting from such scams.
(b) Agency Requirements.—
(1) Federal bureau of investigation.—The Director shall, not later than 1 year after the date of the enactment of this section—
(A) report an estimate of the number of complaints received by the Federal Bureau of Investigation relating to scams (as defined pursuant to subsection
(a)(1)(A)) each year and the estimated dollar losses associated with such scams; and
(B) establish metrics and a plan to measure the effectiveness of anti-scam training offered by the Federal Bureau of Investigation through in-person events and webinars.
(2) Bureau of consumer financial protection.—The Bureau shall, not later than 1 year after the date of the enactment of this section—
(A) report an estimate of the number of complaints received by the Bureau relating to scams (as defined pursuant to subsection (a)(1)(A)) each year and the estimated dollar losses associated with such scams; and
(B) establish metrics and a plan to measure the effectiveness of anti-scam training offered by the Bureau through in-person events and webinars.
(3) Federal trade commission.—The Commission shall, not later than 1 year after the date of the enactment of this section—
(A) report an estimate of the number of complaints received by the Commission relating to scams (as defined pursuant to subsection (a)(1)(A)) each year and the estimated dollar losses associated with such scams; and
(B) establish metrics and a plan to measure the effectiveness of anti-scam training offered by the Commission through in-person events and webinars.
(4) Reporting.—The Director, Bureau, and Commission shall make publicly available in any annual report on scams the estimate of the number of complaints received by the Director, Bureau, and Commission, respectively.
(c) Definitions.—In this section:
(1) Agency.—The term “agency” has the meaning given that term in section 551 of title 5, United States Code.
(2) Bureau.—The term “Bureau” means the Bureau of Consumer Financial Protection.
(3) Commission.—The term “Commission” means the Federal Trade Commission.
(4) Director.—The term “Director” means the Director of the Federal Bureau of Investigation. <all>
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