AI Fraud Deterrence Act

Amends federal mail fraud, wire fraud, bank fraud, and money laundering statutes to impose significantly higher maximum penalties when AI tools are used to commit those offenses. Proposed fines range from $1–2 million and maximum prison terms of 20–30 years for AI-assisted fraud. Rep. Lieu's press release specifically cited scammers using AI voice cloning to target seniors as the primary motivation. Seniors are not individually named in the bill text but are the explicit focus of the sponsors' public advocacy.

Technical detail

Amends federal fraud and money laundering statutes to add enhanced maximum penalties — up to $1–2 million fines and 20–30 year imprisonment — for offenses committed using AI-assisted tools.

Who is protected: All fraud victims; Lieu press materials explicitly identify seniors targeted by AI voice-cloning as intended beneficiaries

Who must comply: Any person using AI tools to commit covered federal fraud offenses

Key facts

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• Colorado AI Act (repealed) · Repealed / replaced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)