The STOP Fraud Act of 2024 establishes a new Federal Real Anti-fraud Unified Directorate (FRAUD) within the Office of Management and Budget to coordinate government-wide efforts to prevent fraud and improper payments across federal programs. The bill requires federal agencies to implement fraud-detection tools, including data analytics and identity verification systems, for large programs that spend over $50 billion annually or show significant improper payment risks. Agencies administering these high-priority programs must submit plans for anti-fraud controls to the FRAUD administrator for approval, and the bill establishes a Program Integrity Fund with $1 billion in authorized funding for fiscal year 2025 to help agencies implement approved fraud-prevention measures. The legislation also requires agencies to publicly report on their progress reducing improper payments and fraud, and mandates creation of an online dashboard tracking implementation efforts and cost savings. The bill affects all executive branch agencies administering federal benefit programs and large payment systems, and establishes timelines requiring initial plan submissions within 90 days of program designation and administrator approval decisions within 60 days.