The AI AGENT Act of 2026 would let users hire software agents to manage their accounts on large online platforms like social media sites and shopping services. These "custodial user agents" would be authorized to handle tasks like making purchases, posting content, and adjusting settings on a user's behalf, similar to how someone might hire a personal assistant. Large online platforms with over 50 million U.S. users would be required to provide open interfaces allowing these agents to access accounts on equal terms as the user themselves. The bill creates registration and oversight through the Federal Trade Commission, with rules requiring agents to protect user data, act in the user's interest, and avoid using personal information for profit or advertising. The FTC must establish authentication procedures within 180 days and finalize full regulations within one year, with help from other financial regulators and the National Institute of Standards and Technology developing technical standards. Violations would be treated as unfair or deceptive business practices under existing FTC authority, with potential fines calculated per affected user.
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