H.R. 7215 (119th)Bill Overview

Stop SCAMS Act

Finance and Financial Sector|Finance and Financial Sector
Cosponsors
Support
Bipartisan
Introduced
Jan 22, 2026
Discussions
Bill Text
Current stageCommittee

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 Spe…

Introduced
Committee
Floor
President
Law
Congressional Activities
01 · The brief
Plain-English summaryWhat this bill actually does

Requires the FBI Director, in coordination with the CFPB, FTC, and other agencies, to develop a governmentwide strategy to counter scams. Mandates a single definition of ‘‘scam,’’ harmonized data collection, agency reports of complaints and losses, public annual estimates, and metrics to measure anti-scam training effectiveness within specified timeframes.

Why people may split

Funding and resourcing: liberals demand funding; conservatives worry about unfunded mandates

Watch point

Relative to its intended legislative type, this bill clearly assigns responsibility and deadlines for a governmentwide anti-scam effort and requires concrete outputs (strategy, definition, harmonized data collection, estimates, and reporting), but it leaves substantial substantive detail to agency discretion and omits fiscal and safeguard provisions.

Requires the FBI Director, in coordination with the CFPB, FTC, and other agencies, to develop a governmentwide strategy to counter scams.

Mandates a single definition of ‘‘scam,’’ harmonized data collection, agency reports of complaints and losses, public annual estimates, and metrics to measure anti-scam training effectiveness within specified timeframes.

Passage65/100

Technocratic, low-cost coordination bill addressing widely agreed problem; historically such reporting/coordination bills often become law or are folded into larger packages.

CredibilityPartially aligned

Relative to its intended legislative type, this bill clearly assigns responsibility and deadlines for a governmentwide anti-scam effort and requires concrete outputs (strategy, definition, harmonized data collection, estimates, and reporting), but it leaves substantial substantive detail to agency discretion and omits fiscal and safeguard provisions.

Contention50/100

Funding and resourcing: liberals demand funding; conservatives worry about unfunded mandates

02 · What it does

Who stands to gain, and who may push back.

Likely benefits vs burdens50% / 50%
Likely helpedLikely burdened

These are examples from the analysis, not a ranked list of the most-affected groups.

Likely helped
  • Potential benefitCreates standardized scam definitions to enable consistent identification and comparison across agencies.
  • Potential benefitEstablishes harmonized data fields to improve aggregation and analysis of scam trends and losses.
  • Potential benefitMay improve targeting of enforcement and prevention efforts by producing a governmentwide loss estimate.
Likely burdened
  • Potential burdenHarmonized data collection may raise privacy and data-security concerns if personally identifiable information is inclu…
  • Potential burdenAgencies may face additional administrative and IT costs to implement standardized data systems and reporting.
  • Potential burdenEstimating unreported incidents is methodologically challenging and could produce uncertain or misleading loss figures.
03 · Why people split

Why the argument around this bill splits.

Funding and resourcing: liberals demand funding; conservatives worry about unfunded mandates
Progressive90%

Likely broadly supportive because the bill centralizes anti-scam efforts, improves data, and elevates consumer protections.

Would push for strong privacy safeguards, adequate funding, and attention to vulnerable communities during implementation.

Leans supportive
Centrist75%

Generally favorable to a coordinated federal response but cautious about costs, duplication, and clear metrics.

Would seek clarity on definitions, implementation timelines, and measurable outcomes before full endorsement.

Leans supportive
Conservative45%

Supports combating fraud and protecting consumers in principle but worries about expanding federal bureaucracy, mission creep, and data-collection burdens.

Likely to press for limits on new authority and assurances there are no unfunded mandates.

Split reaction
04 · Can it pass?

The path through Congress.

Introduced

Reached or meaningfully advanced

Committee

Reached or meaningfully advanced

Floor

Still ahead

President

Still ahead

Law

Still ahead

Passage likelihood65/100

Technocratic, low-cost coordination bill addressing widely agreed problem; historically such reporting/coordination bills often become law or are folded into larger packages.

Scope and complexity
24%
Scopenarrow
24%
Complexitylow
Why this could stall
  • No explicit funding or CBO cost estimate in text
  • Agencies' capacity to harmonize and share data varies
05 · Recent votes

Recent votes on the bill.

No vote history yet

The bill has not accumulated any surfaced votes yet.

06 · Go deeper

Go deeper than the headline read.

Included on this page

Funding and resourcing: liberals demand funding; conservatives worry about unfunded mandates

Technocratic, low-cost coordination bill addressing widely agreed problem; historically such reporting/coordination bills often become law…

Unlocked analysis

Relative to its intended legislative type, this bill clearly assigns responsibility and deadlines for a governmentwide anti-scam effort and requires concrete outputs (strategy, definition, harmonized data collection, es…

Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.

Perspective breakdownsPassage barriersLegislative design reviewStakeholder impact map
Open full analysis