HR 6425
National Strategy for Combating Scams Act of 2025
TL;DR
Rep. Gabe Amo (D-RI) introduced this bill to create a federal strategy for fighting scams, including AI-powered fraud like deepfake voice cloning and generative AI phishing. It directs federal agencies to coordinate on scam prevention, victim support, and cross-border enforcement, but does not impose direct compliance rules on private companies yet.
How This Might Impact Your Business
Financial services firms, telecom carriers, and payment processors would likely see increased federal coordination requests around scam data sharing and reporting.
Companies deploying generative AI (voice cloning, chatbots, image generation) may face future scrutiny as the strategy identifies AI-enabled scam vectors.
No immediate compliance requirements, penalties, or deadlines apply to private businesses in the current draft.
The bill sits in three House committees (Judiciary, Energy and Commerce, Financial Services), signaling that any downstream regulations could touch consumer protection, communications, and banking rules.
Consumer-facing platforms (social media, marketplaces, dating apps) should expect the resulting federal strategy to name their sectors as scam distribution channels.
Fintech and crypto firms should anticipate recommendations around transaction monitoring for scam proceeds.
Small and mid-sized businesses are not specifically targeted, but sector-wide recommendations could later translate into rules affecting all company sizes.
What Should You Do
Ask your fraud and trust-and-safety teams to inventory how your products could be exploited for AI-enabled scams (deepfakes, synthetic voices, phishing) before regulators define the categories for you.
Have government affairs monitor the bill's movement through House Judiciary, Energy and Commerce, and Financial Services committees, and flag any markup hearings.
Review current scam reporting and consumer complaint processes so you are ready if the federal strategy recommends standardized reporting.
If you sell AI voice, video, or text generation tools, prepare a public-facing statement on misuse safeguards; this bill signals scrutiny is coming.
Coordinate with industry trade associations (BPI, CTIA, ITI) to shape the strategy while it is still being drafted.
Who It Affects
Sponsors
Status Timeline
committee
Referred to the Committee on the Judiciary, and in addition to the Committees on Energy and Commerce, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
December 4, 2025