IIB 
117TH CONGRESS 
2D SESSION 
H. R. 1215 
IN THE SENATE OF THE UNITED STATES 
APRIL 19, 2021 
Received 
MAY 24, 2022 
Read twice and referred to the Committee on Commerce, Science, and 
Transportation 
AN ACT 
To establish an office within the Federal Trade Commission 
and an outside advisory group to prevent fraud targeting 
seniors and to direct the Commission to include addi-
tional information in an annual report to Congress on 
fraud targeting seniors, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Fraud and Scam Reduction Act’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
TITLE I—PREVENTING CONSUMER SCAMS DIRECTED AT SENIORS 
Sec. 101. Short title. 
Sec. 102. Senior Scams Prevention Advisory Group. 
TITLE II—SENIOR FRAUD ADVISORY OFFICE 
Sec. 201. Short title. 
Sec. 202. Office for the Prevention of Fraud Targeting Seniors. 
TITLE III—BUDGETARY EFFECTS 
Sec. 301. Budgetary effects. 
TITLE 
I—PREVENTING 
CON-
SUMER SCAMS DIRECTED AT 
SENIORS 
SEC. 101. SHORT TITLE. 
This title may be cited as the ‘‘Stop Senior Scams 
Act’’. 
SEC. 102. SENIOR SCAMS PREVENTION ADVISORY GROUP. 
(a) ESTABLISHMENT.—There is established a Senior 
Scams Prevention Advisory Group (referred to in this title 
as the ‘‘Advisory Group’’). 
(b) MEMBERS.—The Advisory Group shall be com-
posed of stakeholders such as the following individuals or 
the designees of those individuals: 
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(1) The Chairman of the Federal Trade Com-
mission. 
(2) The Secretary of the Treasury. 
(3) The Attorney General. 
(4) The Director of the Bureau of Consumer 
Financial Protection. 
(5) Representatives from each of the following 
sectors, including trade associations, to be selected 
by the Federal Trade Commission: 
(A) Retail. 
(B) Gift cards. 
(C) Telecommunications. 
(D) Wire-transfer services. 
(E) Senior peer advocates. 
(F) Consumer advocacy organizations with 
efforts focused on preventing seniors from be-
coming the victims of scams. 
(G) Financial services, including institu-
tions that engage in digital currency. 
(H) Prepaid cards. 
(6) A member of the Board of Governors of the 
Federal Reserve System. 
(7) A prudential regulator, as defined in section 
1002 of the Consumer Financial Protection Act of 
2010 (12 U.S.C. 5481). 
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(8) The Director of the Financial Crimes En-
forcement Network. 
(9) Any other Federal, State, or local agency, 
industry representative, consumer advocate, or enti-
ty, as determined by the Federal Trade Commission. 
(c) NO COMPENSATION FOR MEMBERS.—A member 
of the Advisory Group shall serve without compensation 
in addition to any compensation received for the service 
of the member as an officer or employee of the United 
States, if applicable. 
(d) DUTIES.— 
(1) IN GENERAL.—The Advisory Group shall— 
(A) collect information on the existence, 
use, and success of educational materials and 
programs for retailers, financial services, and 
wire-transfer companies, which— 
(i) may be used as a guide to educate 
employees on how to identify and prevent 
scams that affect seniors; and 
(ii) include— 
(I) useful information for retail-
ers, financial services, and wire trans-
fer companies for the purpose de-
scribed in clause (i); 
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(II) training for employees on 
ways to identify and prevent senior 
scams; 
(III) best practices for keeping 
employees up to date on current 
scams; 
(IV) the most effective signage 
and placement in retail locations to 
warn seniors about scammers’ use of 
gift cards, prepaid cards, and wire 
transfer services; 
(V) suggestions on effective col-
laborative community education cam-
paigns; 
(VI) available technology to as-
sist in identifying possible scams at 
the point of sale; and 
(VII) 
other 
information 
that 
would be helpful to retailers, wire 
transfer companies, financial institu-
tions, and their employees as they 
work to prevent fraud affecting sen-
iors; and 
(B) based on the findings in subparagraph 
(A)— 
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(i) identify inadequacies, omissions, or 
deficiencies in those educational materials 
and programs for the categories listed in 
subparagraph (A) and their execution in 
reaching employees to protect older adults; 
and 
(ii) create model materials, best prac-
tices guidance, or recommendations to fill 
those inadequacies, omissions, or defi-
ciencies that may be used by industry and 
others to help protect older adults from 
scams. 
(2) ENCOURAGED USE.—The Chairman of the 
Federal Trade Commission shall— 
(A) make the materials or guidance cre-
ated by the Federal Trade Commission de-
scribed in paragraph (1) publicly available; and 
(B) encourage the use and distribution of 
the materials created under this subsection to 
prevent scams affecting seniors by govern-
mental agencies and the private sector. 
(e) REPORTS.—Section 101(c)(2) of the Elder Abuse 
Prevention and Prosecution Act (34 U.S.C. 21711(c)(2)) 
is amended— 
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(1) in subparagraph (A)(iv), by striking the pe-
riod at the end and inserting a semicolon; 
(2) in subparagraph (B), by striking the period 
at the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(C) with respect to the report by the Fed-
eral Trade Commission, in relevant years, in-
cluding information on— 
‘‘(i) the newly created materials, guid-
ance, or recommendations of the Senior 
Scams Prevention Advisory Group estab-
lished under section 102 of the Stop Senior 
Scams Act and any relevant views or con-
siderations made by members of the Advi-
sory Group that were not included in the 
Advisory Group’s model materials or con-
sidered an official recommendation by the 
Advisory Group; 
‘‘(ii) the Senior Scams Prevention Ad-
visory Group’s findings about senior scams 
and industry educational materials and 
programs; and 
‘‘(iii) any recommendations on ways 
stakeholders can continue to work together 
to reduce scams affecting seniors.’’. 
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(f) TERMINATION.—This title, and the amendments 
made by this title, ceases to be effective on the date that 
is 5 years after the date of enactment of this Act. 
TITLE II—SENIOR FRAUD 
ADVISORY OFFICE 
SEC. 201. SHORT TITLE. 
This title may be cited as the ‘‘Seniors Fraud Preven-
tion Act of 2021’’. 
SEC. 202. OFFICE FOR THE PREVENTION OF FRAUD TAR-
GETING SENIORS. 
(a) ESTABLISHMENT OF ADVISORY OFFICE.—The 
Federal Trade Commission shall establish an office within 
the Bureau of Consumer Protection for the purpose of ad-
vising the Commission on the prevention of fraud tar-
geting seniors and to assist the Commission with the fol-
lowing: 
(1) OVERSIGHT.—The advisory office shall 
monitor the market for mail, television, internet, 
telemarketing, and recorded message telephone call 
(hereinafter referred to as ‘‘robocall’’) fraud tar-
geting seniors and shall coordinate with other rel-
evant agencies regarding the requirements of this 
section. 
(2) CONSUMER EDUCATION.—The Commission 
through the advisory office shall, in consultation 
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with the Attorney General, the Secretary of Health 
and Human Services, the Postmaster General, the 
Chief Postal Inspector for the United States Postal 
Inspection Service, and other relevant agencies— 
(A) disseminate to seniors and families and 
caregivers of seniors general information on 
mail, television, internet, telemarketing, and 
robocall fraud targeting seniors, including de-
scriptions of the most common fraud schemes; 
(B) disseminate to seniors and families 
and caregivers of seniors information on report-
ing complaints of fraud targeting seniors either 
to the national toll-free telephone number estab-
lished by the Commission for reporting such 
complaints, or to the Consumer Sentinel Net-
work, operated by the Commission, where such 
complaints will become immediately available to 
appropriate law enforcement agencies, including 
the Federal Bureau of Investigation and the at-
torneys general of the States; 
(C) in response to a specific request about 
a particular entity or individual, provide pub-
lically available information of enforcement ac-
tion taken by the Commission for mail, tele-
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vision, internet, telemarketing, and robocall 
fraud against such entity; and 
(D) maintain a website to serve as a re-
source for information for seniors and families 
and caregivers of seniors regarding mail, tele-
vision, internet, telemarketing, robocall, and 
other identified fraud targeting seniors. 
(3) COMPLAINTS.—The Commission through 
the advisory office shall, in consultation with the At-
torney General, establish procedures to— 
(A) log and acknowledge the receipt of 
complaints by individuals who believe they have 
been a victim of mail, television, internet, tele-
marketing, and robocall fraud in the Consumer 
Sentinel Network, and shall make those com-
plaints immediately available to Federal, State, 
and local law enforcement authorities; and 
(B) provide to individuals described in sub-
paragraph (A), and to any other persons, spe-
cific and general information on mail, television, 
internet, telemarketing, and robocall fraud, in-
cluding descriptions of the most common 
schemes using such methods of communication. 
(b) COMMENCEMENT.—The Commission shall com-
mence carrying out the requirements of this section not 
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later than one year after the date of the enactment of this 
Act. 
TITLE III—BUDGETARY EFFECTS 
SEC. 301. BUDGETARY EFFECTS. 
The budgetary effects of this Act, for the purpose of 
complying with the Statutory Pay-As-You-Go Act of 2010, 
shall be determined by reference to the latest statement 
titled ‘‘Budgetary Effects of PAYGO Legislation’’ for this 
Act, submitted for printing in the Congressional Record 
by the Chairman of the House Budget Committee, pro-
vided that such statement has been submitted prior to the 
vote on passage. 
Passed the House of Representatives April 15, 2021. 
Attest: 
CHERYL L. JOHNSON, 
Clerk. 
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