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 OF SENIOR SCAMS PREVENTION 
ADVISORY GROUP.—There is established a Senior Scams 
Prevention Advisory Group (referred to in this section as 
the ‘‘Advisory Group’’). 
(b) MEMBERS.—The Advisory Group shall be com-
posed of stakeholders such as the following individuals or 
the designees of such individuals: 
(1) The Chairman of the Federal Trade Commis-
sion. 
(2) The Secretary of the Treasury. 
(3) The Attorney General. 
(4) The Director of the Bureau of Consumer Fi-
nancial Protection. 
(5) Representatives from each of the following 
sectors, including trade associations, to be selected by 
Federal Trade Commission: 
(A) Retail. 
(B) Gift cards. 
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(C) Telecommunications. 
(D) Wire-transfer services. 
(E) Senior peer advocates. 
(F) Consumer advocacy organizations with 
efforts focused on preventing seniors from becom-
ing 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). 
(8) The Director of the Financial Crimes En-
forcement Network. 
(9) Any other Federal, State, or local agency, in-
dustry representative, consumer advocate, or entity, 
as determined by the Federal Trade Commission. 
(c) NO COMPENSATION FOR MEMBERS.—A member of 
the Advisory Group shall serve without compensation in ad-
dition to any compensation received for the service of the 
member as an officer or employee of the United States, if 
applicable. 
(d) DUTIES.— 
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(1) IN GENERAL.—The Advisory Group shall— 
(A) collect information on the existence, use, 
and success of educational materials and pro-
grams 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 described 
in clause (i); 
(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; 
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(V) suggestions on effective col-
laborative community education cam-
paigns; 
(VI) available technology to assist 
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 seniors; and 
(B) based on the findings in subparagraph 
(A)— 
(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. 
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(2) ENCOURAGED
USE.—The Federal Trade 
Commission shall— 
(A) make the materials or guidance created 
by the Federal Trade Commission described 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 governmental 
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— 
(1) in subparagraph (C), by striking ‘‘and’’ at 
the end; 
(2) in subparagraph (D), by striking the period 
at the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(E) for the Federal Trade Commission, in 
relevant years, information on— 
‘‘(i) the newly created materials, guid-
ance, or recommendations of the Senior 
Scams Prevention Advisory Group estab-
lished under section 2 of the Stop Senior 
Scams Act, and any relevant views or con-
siderations made by members of the Advi-
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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.’’. 
(f) TERMINATION.—This Act, and the amendments 
made by this Act, 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 2020’’. 
SEC. 202. SENIOR FRAUD ADVISORY OFFICE. 
(a) ESTABLISHMENT OF ADVISORY OFFICE.—The Fed-
eral Trade Commission shall establish an office within the 
Bureau of Consumer Protection for the purpose of advising 
the Commission on the prevention of fraud targeting seniors 
and to assist the Commission with the following: 
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(1) OVERSIGHT.—The advisory office shall mon-
itor the market for mail, television, internet, tele-
marketing, and recorded message telephone call (here-
inafter referred to as ‘‘robocall’’) fraud targeting sen-
iors and shall coordinate with other relevant agencies 
regarding the requirements of this section. 
(2) CONSUMER
EDUCATION.—The Commission 
through the advisory office shall, in consultation with 
the Attorney General, the Secretary of Health and 
Human Services, the Postmaster General, the Chief 
Postal Inspector for the United States Postal Inspec-
tion 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 reporting 
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 
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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-
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 Attor-
ney General, establish procedures to— 
(A) log and acknowledge the receipt of com-
plaints 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 
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(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 later 
than one year after the date of enactment of this Act. 
TITLE 
III—PREVENTING 
THE 
TARGETING OF SENIORS DUR-
ING EMERGENCIES 
SEC. 301. SHORT TITLE. 
This title may be cited as the ‘‘Protecting Seniors from 
Emergency Scams Act’’. 
SEC. 302. FTC REPORT ON SCAMS TARGETING SENIORS 
DURING EMERGENCIES. 
Not later than 30 days after the date of enactment of 
this Act, the Federal Trade Commission (referred to in this 
Act as the ‘‘Commission’’) shall submit a report to Congress 
including— 
(1) a description of the number and types of 
scams identified by the Commission as being targeted 
at senior citizens; and 
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(2) policy recommendations to prevent such 
scams, especially as such scams relate to future na-
tional emergencies. 
SEC. 303. INCREASING AWARENESS OF SCAMS TARGETING 
SENIORS. 
(a) IN GENERAL.—As soon as practicable after the 
date of enactment of this Act, the Commission shall update 
its web portal to include the latest information, searchable 
by region and type of scam, on scams targeting seniors, in-
cluding contacts for relevant law enforcement and adult 
protective service agencies. 
(b) COORDINATION WITH MEDIA OUTLETS AND LAW 
ENFORCEMENT.—The Commission shall work with media 
outlets and law enforcement to distribute the information 
included in the web portal of the Commission pursuant to 
subsection (a) to senior citizens and their families and care-
givers. 
TITLE IV—PREVENTING SCAMS 
TARGETING INDIAN TRIBES 
SEC. 401. SHORT TITLE. 
This title may be cited as the ‘‘Protecting Indian 
Tribes from Scams Act’’. 
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SEC. 402. FTC REPORT ON UNFAIR OR DECEPTIVE ACTS OR 
PRACTICES TARGETING INDIAN TRIBES. 
(a) FTC REPORT.—Not later than 1 year after the 
date of the enactment of this Act, and after consultation 
with Indian Tribes, the Commission shall make publicly 
available on the website of the Commission and submit to 
the Committee on Energy and Commerce of the House of 
Representatives and the Committee on Commerce, Science, 
and Transportation of the Senate a report on unfair or de-
ceptive acts or practices targeted at Indian Tribes or mem-
bers of Indian Tribes, including— 
(1) a description of the types of unfair or decep-
tive acts or practices identified by the Commission as 
being targeted at Indian Tribes or members of Indian 
Tribes; 
(2) a description of the consumer education ac-
tivities of the Commission with respect to such acts or 
practices; 
(3) a description of the efforts of the Commission 
to collaborate with Indian Tribes to prevent such acts 
or practices or to pursue persons using such acts or 
practices; 
(4) a summary of the enforcement actions taken 
by the Commission related to such acts or practices; 
and 
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(5) any recommendations for legislation to pre-
vent such acts or practices. 
(b) INCREASING AWARENESS OF UNFAIR OR DECEP-
TIVE ACTS OR PRACTICES TARGETING INDIAN TRIBES.— 
Not later than 6 months after the date of the submission 
of the report required by subsection (a), the Commission 
shall update the website of the Commission to include infor-
mation for consumers and businesses on identifying and 
avoiding unfair or deceptive acts or practices targeted at 
Indian Tribes or members of Indian Tribes. 
TITLE 
V—ENHANCING 
CON-
SUMER 
PROTECTION 
EN-
FORCEMENT 
SEC. 501. SHORT TITLE. 
This title may be cited as the ‘‘FTC Collaboration Act 
of 2020’’. 
SEC. 502. UNFAIR AND DECEPTIVE PRACTICES COOPERA-
TION STUDY. 
(a) IN GENERAL.— 
(1) STUDY REQUIRED.—Not later than 1 year 
after the date of the enactment of this Act, the Federal 
Trade Commission shall conduct a study on facili-
tating and refining existing efforts with State Attor-
neys General to prevent, publicize, and penalize 
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frauds and scams being perpetrated on individuals in 
the United States. 
(2) REQUIREMENTS OF STUDY.—In conducting 
the study, the Commission shall examine the fol-
lowing: 
(A) The roles and responsibilities of the 
Commission and State Attorneys General that 
best advance collaboration and consumer protec-
tion. 
(B) The policies, procedures, and mecha-
nisms that facilitate cooperation and commu-
nications across the Commission. 
(C) How resources should be dedicated to 
best advance such collaboration and consumer 
protection. 
(D) The accountability mechanisms that 
should be implemented to promote collaboration 
and consumer protection. 
(3) CONSULTATION AND PUBLIC COMMENT.—In 
producing the study required in paragraph (1), the 
Commission shall— 
(A) consult with— 
(i) the National Association of State 
Attorneys General; 
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(ii) public interest organizations dedi-
cated to consumer protection; 
(iii) relevant private sector entities; 
and 
(iv) any other Federal or State agency 
that the Federal Trade Commission con-
siders necessary; and 
(B) provide opportunity for public comment 
and advice relevant to the production of the 
study. 
(b) REPORT TO CONGRESS.—Not later than 6 months 
after the completion of the study required pursuant to sub-
section (a), the Commission shall submit to the Committee 
on Energy and Commerce of the House of Representatives 
and the Committee on Commerce, Science, and Transpor-
tation of the Senate, and make publicly available on the 
website of the Commission, a report that contains the fol-
lowing: 
(1) The results of the study. 
(2) Recommended best practices to enhance col-
laboration efforts between the Commission and State 
Attorneys General with respect to preventing, publi-
cizing, and penalizing fraud and scams. 
(3) Quantifiable metrics by which enhanced col-
laboration can be measured. 
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(4) Legislative recommendations, if any, to en-
hance collaboration efforts between the Commission 
and State Attorneys General to prevent, publicize, 
and penalize fraud and scams. 
Amend the title so as to read: ‘‘A bill 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 study and submit a re-
port to Congress on scams targeting seniors and Indian 
tribes, and for other purposes.’’. 
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Union Calendar No. 488 
116TH CONGRESS 
2D SESSION 
H. R. 2610 
[Report No. 116–590] 
A BILL 
To establish a Senior Scams Prevention Advisory 
Council to collect and disseminate model edu-
cational materials useful in identifying and pre-
venting scams that affect seniors. 
NOVEMBER 16, 2020 
Reported with amendments; committed to the Committee 
of the Whole House on the State of the Union and or-
dered to be printed 
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