Congress orders FBI to unify fragmented anti-scam efforts across 18 agencies
H.R. 6425 — National Strategy for Combating Scams Act of 2025 · Filed by Gabe Amo (D-RI) · 12 cosponsors · Introduced Dec 4, 2025 · Referred to committee
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What it does
This bill directs the FBI to lead a multi-agency working group to develop a comprehensive national strategy for combating scams within one year. The strategy will define what constitutes a scam, evaluate risks and prevention methods, coordinate federal agency efforts, improve data collection and consumer complaint reporting, and recommend legislative or regulatory changes needed to combat fraud. The FBI, FTC, and CFPB must then adopt a common definition of scam based on the strategy, with updates every five years.
Why we flagged it
The bill's core function is to mandate inter-agency coordination and strategy development for combating scams. It does not create new enforcement powers, penalties, or private-sector obligations—only a planning and coordination requirement with a common definition as the deliverable.
What the text implies
- Data-sharing protocols between federal agencies and private sector (tech, telecom, financial firms) may create privacy implications for consumers whose transaction and communication data is shared for scam investigation without explicit consent mechanisms detailed in the bill.
- The bill mandates evaluation of 'legislative, regulatory, or administrative changes' needed to combat scams—this creates a pathway for the working group to recommend expansions of federal authority, surveillance, or private-sector obligations that may exceed current law.
- Requirement to 'modernize law enforcement data and reporting, including through the use of artificial intelligence' may lead to algorithmic decision-making in scam detection and victim identification without transparency or appeal mechanisms specified here.
- The bill requires coordination with foreign governments on cross-border scam enforcement, potentially creating international data-sharing agreements outside traditional treaty processes.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Ordinary citizens lose $12 billion annually to scams, with 141.5 million adults affected. This bill addresses documented coordination failures (13 independent agencies with no unified strategy) by mandating a coherent federal response, common definitions, data sharing, and victim recovery support—all at no direct cost to citizens and with explicit inclusion of scam survivors and vulnerable populations in strategy development.
Named in the bill
Federal Bureau of Investigation (FBI), Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Department of Health and Human Services, Department of State, Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board, Financial Crimes Enforcement Network (FinCEN), Department of Homeland Security (DHS), National Credit Union Administration (NCUA), Office of the Comptroller of Currency (OCC), United States Secret Service — and 8 more
Where it stands
12 cosponsors: 9 Democrats, 3 Republicans.
- Dec 4, 2025 — Introduced · Congress.gov: “Introduced in House”
- Dec 4, 2025 — Referred to House Committee on Financial Services and House Committee on Energy and Commerce · Congress.gov: “Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, and…”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
2 lobbying clients named this bill on 2 disclosure filings across 1 quarter, Jun 2026 to Jun 2026. Those filings disclosed $150,000 in lobbying spend. A filing names 10 bills on average, so that figure is what each filing reported, not a share belonging to this bill.
More lobbying clients named this bill than 41% of bills with at least one filing.
Gabe Amo, the sponsor, reported $648,117 in PAC receipts in the 2026 cycle.
- Early Warning Services, LLC — $90,000 on 1 filing
- Twilio — $60,000 on 1 filing
Lobbying Disclosure Act filings through Jul 24, 2026. A filing shows who paid to lobby on a bill it names, not what changed.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (10,816 characters) on Sep 26, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 15,166 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Jun 2026 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 24, 2026 · page rendered 2026-09-26.
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