I 

118TH CONGRESS 

2D SESSION H. R. 10125 

To increase penalties for the commission of financial crimes using artificial 

intelligence. 

IN THE HOUSE OF REPRESENTATIVES 

NOVEMBER 14, 2024 

Mr. LIEU (for himself and Mr. KILEY) introduced the following bill; which was 

referred to the Committee on the Judiciary 

A BILL 

To increase penalties for the commission of financial crimes 

using artificial intelligence. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘AI Fraud Deterrence 

5 Act’’. 

6 SEC. 2. FINANCIAL CRIMES AND ARTIFICIAL INTEL7 LIGENCE. 

8 (a) MAIL FRAUD.—Section 1341 of title 18, United 

9 States Code, is amended— 


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1 (1) by striking ‘‘$1,000,000’’ and inserting 

2 ‘‘$2,000,000’’; and 

3 (2) by inserting after the period at the end the 

4 following: ‘‘If the violation is committed with the as5 sistance of artificial intelligence, such person shall be 

6 fined not more than $1,000,000 or imprisoned not 

7 more than 20 years, or both.’’. 

8 (b) WIRE FRAUD.—Section 1343 of title 18, United 

9 States Code, is amended— 

10 (1) by striking ‘‘$1,000,000’’ and inserting 

11 ‘‘$2,000,000’’; and 

12 (2) by inserting after the period at the end the 

13 following: ‘‘If the violation is committed with the as14 sistance of artificial intelligence, such person shall be 

15 fined not more than $1,000,000 or imprisoned not 

16 more than 20 years, or both.’’. 

17 (c) BANK FRAUD.—Section 1344 of title 18, United 

18 States Code, is amended— 

19 (1) by striking ‘‘Whoever knowingly’’ and in20 serting the following: 

21 ‘‘(a) IN GENERAL.—Whoever knowingly’’; and 

22 (2) by adding at the end the following: 

23 ‘‘(b) ARTIFICIAL INTELLIGENCE.—Whoever commits 

24 subsection (a) with the assistance of artificial intelligence 


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1 shall be fined not more than $2,000,000 or imprisoned 

2 not more than 30 years, or both.’’. 

3 (d) ARTIFICIAL INTELLIGENCE DEFINED.— 

4 (1) IN GENERAL.—Section 1346 of title 18, 

5 United States Code, is amended— 

6 (A) by amending the section heading to 

7 read as follows: ‘‘Definitions’’; 

8 (B) by striking ‘‘chapter, the term’’ and 

9 inserting the following: ‘‘chapter— 

10 ‘‘(1) the term’’; 

11 (C) by striking the period at the end and 

12 inserting ‘‘; and’’; and 

13 (D) by adding at the end the following: 

14 ‘‘(2) the term ‘artificial intelligence’ has the 

15 meaning given such term in section 5002 of the Na16 tional Artificial Intelligence Initiative Act of 2020.’’. 

17 (2) CLERICAL AMENDMENT.—The table of sec18 tions for chapter 63 of title 18, United States Code, 

19 is amended by striking the item relating to section 

20 1346 and inserting the following: 

‘‘1346. Definitions.’’. 

21 (e) MONEY LAUNDERING.—Section 1956 of title 18, 

22 United States Code, is amended— 

23 (1) in subsection (a)— 

24 (A) in the continuation text following para25 graph (1)(B)(ii), by inserting after ‘‘or both’’ 


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1 the following: ‘‘, or, in the case that such viola2 tion is committed with the assistance of artifi3 cial intelligence, shall be fined not more than 

4 $1,000,000 or thrice the value of the monetary 

5 instrument or funds involved in the transaction, 

6 whichever is greater, or imprisoned for not 

7 more than 20 years, or both’’; 

8 (B) in the continuation text following para9 graph (2)(B)(ii), by inserting after ‘‘or both’’ 

10 the following: ‘‘, or, in the case that such viola11 tion is committed with the assistance of artifi12 cial intelligence, shall be fined not more than 

13 $1,000,000 or thrice the value of the monetary 

14 instrument or funds involved in the transpor15 tation, transmission, or transfer, whichever is 

16 greater, or imprisoned for not more than 20 

17 years, or both’’; and 

18 (C) in the continuation text following para19 graph (3)(C), by inserting after ‘‘or both’’ the 

20 following: ‘‘, or, in the case that such violation 

21 is committed with the assistance of artificial in22 telligence, shall be fined under this title, or im23 prisoned for not more than 20 years, or both’’; 

24 and 

25 (2) in subsection (c)— 


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1 (A) in paragraph (8), by striking ‘‘and’’ at 

2 the end; 

3 (B) in paragraph (9), by striking the pe4 riod and inserting ‘‘; and’’; and 

5 (C) by adding at the end the following: 

6 ‘‘(10) the term ‘artificial intelligence’ has the 

7 meaning given such term in section 5002 of the Na8 tional Artificial Intelligence Initiative Act of 2020.’’. 

Æ 


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