National Strategy for Combating Scams Act of 2025

This bill requires the FBI Director to assemble a working group of federal agencies to develop a National Strategy for Combating Scams, which must be updated at least every five years. The strategy will define 'scam', evaluate risks, set prevention methods, define agency roles, and create plans for data collection, coordination, and victim recovery. The FBI, FTC, and CFPB must then adopt the common definition of 'scam' from the strategy.

Sec. 3, National Strategy for Combating Scams: Within 90 days, the FBI Director must assemble a working group including the FTC, CFPB, HHS, State Department, FDIC, Federal Reserve, FinCEN, DHS, NCUA, OCC, U.S. Attorney's Office, Secret Service, Treasury, FCC, SEC, CFTC, SSA, and other agencies as needed. The group must develop a strategy that incorporates feedback from scam survivors, older adults, people with disabilities, law enforcement, businesses, non-profits, and other stakeholders. The strategy must define 'scam', evaluate risks and prevention methods, define agency roles, analyze a single government-wide scam loss estimate, and formulate plans for coordinated complaint reporting, data collection, private sector coordination, rapid response protocols, intergovernmental coordination, victim recovery support, and international cooperation. It must also analyze needed legislative changes and identify resources. The strategy must be submitted to Senate and House committees and made public within one year of the working group's formation. The strategy must be updated at least every five years.

Sec. 4, Adoption of Common Definition of 'Scam': Within one year of the strategy's publication, the FBI, FTC, and CFPB must adopt the common definition of 'scam' from the strategy. If the definition is updated in a future strategy update, these agencies must adopt the updated definition within one year.