US Federal Senate Bill SB3495

US Federal 2025-2026 Regular Session

• Introduced: 12/16/25
• Refer: 12/16/25

Caption

Artificial Intelligence Scam Prevention Act

Impact

If passed, SB3495 would set forth new guidelines under the Federal Trade Commission (FTC) authority, making it unlawful to impersonate individuals or officials with the intent to defraud, particularly through AI-mediated communications. The Act would amend the Communications Act of 1934 and the Telemarketing and Consumer Fraud and Abuse Prevention Act to encompass text messages and video calls. This will notably enhance protections for consumers and assign accountability to those misusing technology to engage in deceptive practices.

Summary

SB3495, known as the 'Artificial Intelligence Scam Prevention Act', is designed to address the growing threat of fraud enabled by artificial intelligence technologies. This legislation responds to significant financial losses due to scams, notably over $1.4 billion reported in 2024 alone, which have been amplified by tools such as AI-generated deepfakes and chatbots. The Act aims to institute legal standards that combat impersonation and ensure that any use of AI in communications—particularly in telemarketing and text messaging—clearly discloses the use of these technologies to the recipient.

Contention

The bill represents a proactive approach to a rapidly evolving technological landscape that many feel is largely unregulated when it comes to preventing fraud. However, there may be concerns related to the enforcement implications and potential challenges in verifying compliance and prosecuting fraudulent activity. Critics may argue that such regulations could complicate legitimate communications practices and raise questions about privacy and free speech in the context of required disclosures. The effectiveness of the legislation will ultimately depend on its implementation and the resources allocated for enforcement by the FTC and other agencies.