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 ↗ |
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- NAIC AI Evaluation Tool Pilot (12 states, 2026) · Proposed / pending
- FTC Proposed Policy Statement — AI Accuracy (July 2026) · Proposed / pending
Related consumer protection rules elsewhere
- Missouri AI Therapy Chatbot Ban (SB 1019) · Enacted (not yet in effect)
- Vermont Data Broker Law (H.211) · Enacted (not yet in effect)
- Arkansas Frank Broyles Act AI amendment — voice and likeness protection (2025) · In effect
- PA v. Character.AI (Fake Psychiatrist Chatbot) · Blocked / in litigation
- NAACP v. xAI (Colossus 2 Air Pollution) · Blocked / in litigation
- RI Therapy Chatbot Ban (2026) · In effect
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