The National Strategy for Combating Scams Act of 2025 directs the FBI to lead a multi-agency working group to develop a comprehensive national strategy for fighting fraud and scams in the United States. The bill addresses an urgent problem: an estimated 141.5 million American adults have lost money to scams, with consumers reporting over $12 billion in fraud losses in 2024 alone, including increasingly sophisticated schemes using artificial intelligence and deepfake technology. The working group, which must include 18 federal agencies (such as the FTC, Consumer Financial Protection Bureau, and Department of Homeland Security), must consult with survivors, older adults, law enforcement, businesses, and technology companies to create a coordinated national approach. The strategy must be completed within two years and should establish a common definition of scams, improve data collection and complaint reporting across agencies, coordinate with private sector companies, and evaluate needed legislative changes. The bill requires the three lead agencies—FBI, FTC, and Consumer Financial Protection Bureau—to adopt the common scam definition within one year, with updates every five years thereafter.
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