In the Senate of the United States, 
December 17, 2020. 
Resolved, That the bill from the House of Representa-
tives (H.R. 2610) entitled ‘‘An Act to establish an office 
within the Federal Trade Commission and an outside advi-
sory group to prevent fraud targeting seniors and to direct 
the Commission to study and submit a report to Congress on 
scams targeting seniors and Indian tribes, and for other pur-
poses.’’, do pass with the following 
AMENDMENT: 
Strike all after the enacting clause and insert the 
following: 
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.
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TITLE II—SENIOR FRAUD ADVISORY OFFICE 
Sec. 201. Short title. 
Sec. 202. Office for the Prevention of Fraud Targeting Seniors. 
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: 
(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.
† HR 2610 EAS 
(B) Gift cards. 
(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.
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(d) DUTIES.— 
(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 Chairman of 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 102 of the Stop Senior 
Scams Act, and any relevant views or con-
siderations made by members of the Advi-
† HR 2610 EAS 
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 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 2020’’. 
SEC. 202. OFFICE FOR THE PREVENTION OF FRAUD TAR-
GETING SENIORS. 
(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
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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-
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-
† HR 2610 EAS 
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 later 
than one year after the date of the enactment of this Act. 
Attest: 
Secretary.