AI Fraud Accountability Act
United States · H.R.7786, 119th Congress (2025–2026)
House companion to S.3982; criminalizes the use of realistic digital impersonation tools in interstate or foreign communications with fraudulent intent. Includes extraterritorial jurisdiction to reach foreign-based AI scam operations that frequently target American seniors. Buchanan's press release explicitly stated that the bill responds to 'a disturbing rise in AI-generated voice clones' used to defraud families including older adults.
Technical detail
Amends Communications Act to prohibit digital impersonation fraud in interstate commerce; grants FTC civil authority; establishes extraterritorial criminal jurisdiction; directs NIST/FTC/DOJ working group.
Who is protected: All consumers; press materials specifically cite seniors and elderly targeted by AI voice clone scams
Who must comply: Any person or entity using digital impersonation in communications with fraudulent intent
Key facts
| Jurisdiction | United States |
|---|---|
| Level | Federal |
| Status | Proposed / pending |
| Protection strength | Proposed or pending |
| Citation | H.R.7786, 119th Congress (2025–2026) |
| Enforced by | FTC (civil); DOJ (criminal) |
| Penalties | Mail/wire fraud: up to $1–2 million fines; up to 20–30 years imprisonment when AI tools used in commission |
| Topics | consumer protection · deepfakes · consumer data privacy |
| Last verified | 2026-06-11 |
| Official source | H.R.7786 - 119th Congress (2025-2026): AI Fraud Accountability Act ↗ |
More AI rules in United States
- FTC Act Section 5 (unfair/deceptive AI) · In effect
- TAKE IT DOWN Act · In effect
- FCRA (AI in credit & background checks) · In effect
- ECOA / Regulation B (AI credit discrimination) · In effect
- Title VII / ADA (AI hiring) · In effect
- COPPA + 2025 Rule (childrens data) · In effect
Related consumer protection rules elsewhere
- CCPA/CPRA + ADMT Regulations · In effect
- AB 2013 (Training Data Transparency) · In effect
- SB 942 (AI Transparency Act) · Enacted (not yet in effect)
- SB 53 (Frontier AI Safety) · In effect
- Colorado AI Act (repealed) · Repealed / replaced
- SB 26-189 (Colorado ADMT Law) · Enacted (not yet in effect)
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