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Bank Fraud Technology Advancement Act of 2026 · редакция 1 → 2 · зафиксировано 2026-09-11 02:51 · +124 −44 lines

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SUMMARY

Bank Fraud Technology Advancement Act of 2026

[Congressional Bills 119th Congress]

[From the U.S. Government Publishing Office]

[H.R. 8671 Introduced in House (IH)]

[H.R. 8671 Reported in House (RH)]

<DOC>

Union Calendar No. 612

119th CONGRESS

2d Session

H. R. 8671

[Report No. 119-704]

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To require the Federal banking agencies to conduct a study on the use

Committee on Financial Services

June 18, 2026

Additional sponsor: Ms. Pettersen

June 18, 2026

Reported with an amendment, committed to the Committee of the Whole

House on the State of the Union, and ordered to be printed

[Strike out all after the enacting clause and insert the part printed

in italic]

[For text of introduced bill, see copy of bill as introduced on May 7,

2026]

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_______________________________________________________________________

In this Act:

(1) Advanced fraud detection technology.--The term

``advanced fraud detection technology'' includes artificial

intelligence, machine learning, predictive analytics,

behavioral biometrics, network analytics, data fusion tools,

distributed ledger-based monitoring tools, blockchain tracing

tools, and other emerging technologies used to detect, prevent,

or mitigate financial fraud.

``advanced fraud detection technology'' means emerging

technologies used to detect, prevent, or mitigate financial

fraud and scams, including artificial intelligence, machine

learning, predictive analytics, behavioral biometrics, network

analytics, data fusion tools, distributed ledger-based

monitoring tools, and blockchain tracing tools.

(2) Artificial intelligence.--The term ``artificial

intelligence'' has the meaning given that term in section 5002

of the National Artificial Intelligence Initiative Act of 2020

(15 U.S.C. 9401).

(3) Credit union.--The term ``credit union'' means a State

credit union or Federal credit union, as such terms are

defined, respectively, in section 101 of the Federal Credit

Union Act (12 U.S.C. 1752).

(3) Credit union.--The term ``credit union'' has the

meaning given the term ``insured credit union'' in section 101

of the Federal Credit Union Act (12 U.S.C. 1752).

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(4) Federal banking agency.--The term ``Federal banking

agency''--

9401).

SEC. 3. STUDY ON ADVANCED TECHNOLOGIES IN FRAUD DETECTION AND

SEC. 3. STUDY ON ADVANCED TECHNOLOGIES IN FRAUD AND SCAM DETECTION AND

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PREVENTION.

the Secretary of the Treasury, the Financial Crimes Enforcement

Network, the Federal Trade Commission, the Bureau of Consumer Financial

Protection, and appropriate law enforcement agencies, shall jointly

conduct a comprehensive study on the use of advanced fraud detection

technology by insured depository institutions and credit unions.

Protection, the Federal Communications Commission, and other

appropriate Federal and State government agencies, including

appropriate law enforcement agencies, shall jointly conduct a

comprehensive study on the use of advanced fraud detection technology

by insured depository institutions and credit unions.

(b) Required Elements.--The study required under subsection (a)

shall evaluate the following:

(1) Current use and effectiveness.--The current use and

effectiveness of advanced fraud detection technology,

including--

effectiveness of advanced fraud detection technologies,

including-

(A) the extent to which insured depository

institutions and credit unions of varying asset sizes

deploy advanced fraud detection technology;

(B) measurable outcomes relating to fraud

reduction, loss mitigation, and consumer protection;

and

interoperability constraints, regulatory uncertainty,

data access limitations, and liability concerns.

detection, prevention, loss reduction, loss mitigation,

privacy, and consumer protection;

interoperability, data access, liability, error rates,

and regulation; and

(D) how various fraud detection technologies differ

in use, effectiveness, costs, benefits, and

considerations under subparagraphs (A) through (C).

(2) Community financial institution access.--Community

financial institution access to advanced fraud detection

financial institution (that is either an insured depository

institution or credit union) access to advanced fraud detection

technology, including--

(A) challenges faced by community financial

institutions in accessing or deploying advanced fraud

detection tools;

detection tools, including unique challenges faced by

various types of community financial institutions;

(B) whether economies of scale disadvantage smaller

community financial institutions relative to large

community financial institutions;

community financial institutions in general, or certain

types of smaller financial institutions;

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models, managed-service providers, or consortium-based

(3) Artificial intelligence and machine learning.--

Artificial intelligence and machine learning, including--

(A) the use of artificial intelligence and machine

(A) the use by insured depository institutions and

credit unions of artificial intelligence and machine

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learning models, applications, and tools in detecting

fraud patterns, anomalies, synthetic identity fraud,

depository institutions and credit unions to manage

fraud model risk, explainability, and validation; and

consumer protection laws.

coordination with other relevant government agencies

and the private sector to ensure access by insured

depository institutions and credit unions, including

community financial institutions and their third-party

vendors, to such models, applications, and tools.

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(4) Information sharing and public-private partnerships.--

Information sharing and public-private partnerships,

(6) Regulatory and supervisory considerations.--Regulatory

and supervisory considerations, including--

(A) whether existing supervisory expectations

create barriers to innovation;

(A) what benefits and risks arise from existing

supervisory expectations with respect to innovations in

fraud detection and prevention, including whether

existing supervisory expectations create barriers to

innovation while maintaining relevant safeguards;

(B) the need for interagency guidance, regulatory

clarity, or safe harbors to support technology

adoption;

clarity, or safe harbors to support technology adoption

in a manner that promotes fraud detection and

prevention consistent with consumer protection,

privacy, safety and soundness, and national security;

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Federal banking agencies; and

Urban Affairs of the Senate containing all findings and

determinations made in carrying out the study required under

this section, and make such report publicly available, except

for classified or supervisory information.

(2) Recommendations.--The report required under paragraph

this section, and make such report publicly available.

(2) Classified annex.--A report under paragraph (1) may

include a classified annex, if applicable, provided to the

committees.

(3) Recommendations.--The report required under paragraph

(1) shall include legislative, regulatory, or supervisory

recommendations which may include--

recommendations that promote fraud detection and prevention

consistent with consumer protection, safety and soundness, and

national security, which may include--

(A) proposals to support shared fraud detection

utilities or consortium-based analytics platforms;

(B) guidance or safe harbors to encourage

responsible artificial intelligence use in fraud

prevention;

artificial intelligence use in fraud prevention;

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institutions; and

liberties protections.

SEC. 4. COMMUNITY BANK FRAUD TECHNOLOGY PILOT PROGRAM.

SEC. 4. COMMUNITY FINANCIAL INSTITUTION FRAUD TECHNOLOGY PILOT PROGRAM.

(a) In General.--Not later than 1 year after submission of the

study under section 3, the Federal banking agencies may jointly

establish a voluntary pilot program to facilitate community financial

institution access to advanced fraud detection tools.

report required under section 3(c), the Federal banking agencies may

jointly establish a voluntary pilot program to facilitate community

financial institution access for insured depository institutions and

credit unions with less than $10,000,000,000 in total consolidated

assets to advanced fraud detection tools.

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(b) Program Features.--The pilot program described in subsection

(a) may include--

law enforcement to provide anonymized fraud typology data

feeds.

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(1) Sunset.--Any pilot program established under this

section shall expire not later than 3 years after submission of

the report required under section 3(c).

(2) Report.--Not later than 6 months after the expiration

of all pilot programs established under this section, the

Federal banking agencies shall issue a report to the Committee

on Financial Services of the House of Representatives and the

Committee on Banking, Housing, and Urban Affairs of the Senate,

and make such report available to the public, containing--

(A) all findings and determinations made by the

Federal banking agencies in carrying out any pilot

program established under this section; and

(B) any legislative, regulatory, or other

recommendations the Federal banking agencies may have

based on such findings and determinations.

(3) Classified annex.--A report under paragraph (2) may

include a classified annex, if applicable, provided to the

committees.

Union Calendar No. 612

119th CONGRESS

2d Session

H. R. 8671

[Report No. 119-704]

_______________________________________________________________________

A BILL

To require the Federal banking agencies to conduct a study on the use

of advanced technologies in fraud detection and prevention, with

particular attention to community financial institutions, and for other

purposes.

_______________________________________________________________________

June 18, 2026

Reported with an amendment, committed to the Committee of the Whole

House on the State of the Union, and ordered to be printed