National Strategy for Combating Scams Act of 2025

This bill directs the Federal Bureau of Investigation (FBI) to lead a working group of multiple federal agencies to develop a National Strategy for Combating Scams. The strategy must include a common definition of 'scam,' evaluate risks and prevention methods, define agency roles, and create plans for data collection, coordination, and victim recovery. The strategy must be submitted to Congress and made public, with updates at least every five years. The FBI, Federal Trade Commission, and Consumer Financial Protection Bureau must then adopt the common definition of 'scam' from the strategy.

Sec. 3, National Strategy for Combating Scams: The FBI Director must assemble a working group with 17 named agencies (including the FTC, CFPB, Treasury, SEC, and others) within 90 days. The working group must develop a National Strategy that incorporates feedback from scam survivors, older adults, law enforcement, businesses, and other stakeholders. The strategy must establish a definition of 'scam,' evaluate risks and prevention methods, define agency roles, analyze a single government-wide estimate of scam losses, and formulate plans for coordinated complaint reporting, data collection, public-private coordination, rapid response protocols, and victim recovery. It must also enhance coordination with foreign countries and analyze needed legislative or regulatory changes. The strategy must be submitted to Senate and House committees and made public within two years of the working group's formation, with updates 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' recommended in the strategy. If the definition is updated in a future strategy, these agencies must adopt the updated definition within one year.