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H.R. 2152, AI PLAN Act

law / bill 2026-07-21 7 911 characters versions: 2 Artificial intelligence
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SUMMARY

Artificial Intelligence Practices, Logistics, Actions, and Necessities Act or the AI PLAN Act

This bill requires the Department of the Treasury, the Department of Homeland Security (DHS), and the Department of Commerce to submit a report on the risks posed by the use of artificial intelligence in the commission of financial crimes by adversarial actors.

The report must describe interagency, intergovernmental, and public-private partnership activities, policies, and procedures to defend U.S. interests against the national and economic security risks posed by the use of artificial intelligence in the commission of financial crimes;

provide a list of readily available resources that can be immediately deployed by federal agencies to combat these risks, and provide a list of resources needed by federal agencies to combat these risks.

Risks that must be considered by the report include deepfakes, voice cloning, foreign election interference, synthetic identities, false flags that disrupt market operations, AI-supported social engineering, and general digital fraud.

After submission of this report, Treasury, DHS, and Commerce must make recommendations for legislation and best practices for businesses and government entities to address these risks.

FULL TEXT

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 2152 Reported in House (RH)]

Union Calendar No. 615 119th CONGRESS 2d Session H. R. 2152

[Report No. 119-708]

To require a strategy to defend against the economic and national security risks posed by the use of artificial intelligence in the commission of financial crimes, including fraud and the dissemination of misinformation, and for other purposes.

IN THE HOUSE OF REPRESENTATIVES

March 14, 2025

Mr. Nunn of Iowa (for himself and Mr. Himes) introduced the following bill; which was referred to the Committee on Financial Services

June 24, 2026

Additional sponsors: Mr. Begich, Mr. Moran, Mr. Vindman, Mr. Gottheimer, Ms. Gillen, and Ms. McDonald Rivet

June 24, 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 March 14, 2025]

A BILL

To require a strategy to defend against the economic and national security risks posed by the use of artificial intelligence in the commission of financial crimes, including fraud and the dissemination of misinformation, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Artificial Intelligence Practices, Logistics, Actions, and Necessities Act'' or the ``AI PLAN Act''.

SEC. 2. STRATEGY TO DEFEND AGAINST RISKS POSED BY THE USE OF ARTIFICIAL INTELLIGENCE BY ADVERSARIAL ACTORS.

edits: 1

(a) Sense of Congress.--It is the sense of Congress that the development and use of artificial intelligence in the commission of financial crimes by adversarial actors poses a significant risk to the national and economic security of the United States.

(b) Strategy to Defend Against Risks Posed by Financial Crime

Conducted With Artificial Intelligence.--

(1) In general.--Not later than 180 days after the date of the enactment of this Act and annually thereafter, the Secretary of the Treasury, the Secretary of Homeland Security, and the Secretary of Commerce, in consultation with the officials specified in paragraph (3), shall jointly submit to Congress a report, which shall include a classified annex and may include an unclassified summary, provided that no sensitive information is disclosed publicly, that includes the following:

edits: 1

(A) A description of interagency and applicable intergovernmental policies, procedures, and working groups to defend United States financial markets, United States persons, United States businesses, and global supply chains from the national and economic security risks posed by the use of artificial intelligence by adversarial actors in the commission of financial crimes.

(B) A description of public-private partnerships, collaborative arrangements, and other coordinated activities of Federal departments and agencies in cooperation with the private-sector to defend United

States financial markets, United States persons, United

States businesses, and global supply chains from the national and economic security risks posed by the use of artificial intelligence by adversarial actors in the commission of financial crimes.

(C) An itemized list of, and accompanying analysis of, readily available resources, including hardware, software, technologies, and people that can be immediately deployed by Federal departments and agencies to combat the use of artificial intelligence in the commission of financial crimes, with an assessment of their capabilities, limitations, and tradeoffs.

(D) An itemized list of, and accompanying analysis of, resources, including hardware, software, technologies, and people, and budgetary estimates needed to help Federal departments and agencies to combat the use of artificial intelligence in the commission of financial crimes, with an assessment of their capabilities, limitations, and tradeoffs.

(2) Considerations.--Reports required pursuant to paragraph

(1) shall take the following risks into consideration:

(A) Deepfakes.

(B) Voice cloning.

(C) Foreign election interference.

(D) Synthetic Identities.

(E) Artificial Intelligence-Driven Market Response.

(F) False flags and false signals that disrupt market operations.

(G) Attacks involving AI-supported social engineering.

(H) Cyber breaches.

(I) Number Spoofing.

(J) Overall digital fraud and scams.

(3) Officials specified.--The officials specified in this paragraph are the following:

(A) The Attorney General.

(B) The Chairman of the Board of Governors of the Federal Reserve System.

(C) The Comptroller of the Currency.

(D) The Chairperson of the Federal Deposit

Insurance Corporation.

(E) The Chairman of the National Credit Union

Administration.

(F) The Director of the National Institute of Standards and Technology.

(G) The Chairman of the Securities and Exchange

Commission.

(H) The Chairman of the Federal Communications

Commission.

(I) The Chairman of the Federal Trade Commission.

(c) Recommendations.--Not later than 90 days after each report under subsection (b) is submitted, the Secretary of the Treasury, the Secretary of Homeland Security, and the Secretary of Commerce shall jointly submit to Congress a set of recommendations relating to each such respective report that contains the following:

(1) Legislative recommendations to address the risks posed by the use of artificial intelligence by adversarial actors in the commission of financial crimes.

edits: 1

(2) Best practices to assist American businesses and government entities with risk mitigation and incident response to address the risks posed by the use of artificial intelligence by adversarial actors in the commission of financial crimes.

edits: 1

Union Calendar No. 615

119th CONGRESS

2d Session

H. R. 2152

[Report No. 119-708]

A BILL

To require a strategy to defend against the economic and national security risks posed by the use of artificial intelligence in the commission of financial crimes, including fraud and the dissemination of misinformation, and for other purposes.

June 24, 2026

Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed