Three agencies finally get on same page about scams—and you'll see the data.
H.R. 7215 — Stop SCAMS Act · Filed by Josh Harder (D-CA) · 2 cosponsors · Introduced Jan 22, 2026 · Referred to committee
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What it does
This bill directs the FBI, Consumer Financial Protection Bureau, and Federal Trade Commission to develop a unified government-wide strategy to counter scams within one year, including a single definition of scams, harmonized data collection, and a joint estimate of scam victims and losses. Each agency must report complaint numbers, dollar losses, and establish metrics to measure the effectiveness of their anti-scam training programs, with results made publicly available.
Why we flagged it
The bill's operative mechanism is purely administrative coordination and data transparency—requiring three federal agencies to align their scam-fighting efforts, adopt common definitions, and report findings publicly. It creates no new enforcement powers, no private liability shields, and no carve-outs; it is straightforward consumer-protection infrastructure.
What the text implies
- Harmonized data collection across FBI, CFPB, and FTC may reveal previously unmeasured scam prevalence, potentially triggering demand for additional enforcement resources or legislative action.
- Public reporting of scam statistics and agency training effectiveness creates accountability pressure on federal agencies to demonstrate measurable anti-scam results.
- Standardized scam definitions may clarify jurisdictional boundaries between agencies, reducing gaps in enforcement but potentially creating disputes over categorization.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
The bill creates transparency and coordination mechanisms that help citizens by establishing a unified scam-fighting strategy, standardized data collection, and public reporting of scam prevalence and losses. Citizens gain visibility into the scope of scam problems and government effectiveness in combating them, with no restrictions on consumer rights or remedies.
Named in the bill
Federal Bureau of Investigation (FBI), Bureau of Consumer Financial Protection (CFPB), Federal Trade Commission (FTC)
Where it stands
2 cosponsors: 2 Republicans.
- Jan 22, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jan 22, 2026 — 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.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (3,316 characters) on Aug 21, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 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.
As of — page rendered 2026-10-20.
“Three agencies finally get on same page about scams—and you'll see the data.” QuorumCivic. https://share.quorumcivic.app/bill/119/hr7215 Report an error
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