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US SB3495: Artificial Intelligence Scam Prevention Act

In Committee United States (Federal) · 2025–2026 session

Last verified Oct 1, 2026 · official bill text

SB3495 · where it stands

1 of 5 steps complete
  1. Introduced In committee
  2. Passed first chamber
  3. Passed both chambers
  4. Signed
  5. In effect
What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Signed / enacted
Signed into law; it may or may not be in effect yet.
In effect
The effective date has passed.
Dead / vetoed
Vetoed, failed, or the session ended without action.

In one paragraph

The AI Scam Prevention Act would make it unlawful to impersonate a government, business or official in commerce, to replicate anyone's image or voice (including with AI) with intent to defraud, or to substantially assist someone they know or should know is doing either, enforced by the FTC. It would extend telemarketing-fraud and robocall (TCPA) rules to text messages and video calls, treat AI speech that falsely depicts a real person as an 'artificial voice', and require calls and texts that use AI to emulate a human, or an autodialer, to disclose it at the start. It also creates a joint FTC-FCC AI scams advisory group and annual FTC reports on AI scams. Introduced December 16, 2025.

Plain-English summary, written with AI assistance. The official text controls.

What it means for business

If enacted, businesses that call or text consumers using AI voices or agents, or autodialers, would need upfront disclosures, and robocall consent rules would cover texts and all phone lines.

Key provisions

  1. Unlawful to impersonate a government, business or official in commerce, to replicate a person's image or voice (including through AI) with intent to defraud, or to give substantial assistance to someone they know or should reasonably know is doing either
  2. FTC enforcement as a violation of a trade regulation rule, with FTC Act penalties
  3. Telemarketing Sales Rule must require prompt, clear disclosure when a call or text uses AI to emulate a human; the telemarketing fraud law is extended to texts and video conference calls
  4. TCPA: 'artificial or prerecorded voice' includes AI-generated speech that appears to depict a real person; robocall limits extended to text messages and to all phone lines, not just residential
  5. Calls or texts sent with an autodialer or using AI to emulate a human must disclose that at the beginning
  6. Section 230 does not limit the Telemarketing Sales Rule
  7. Five-year FTC-FCC AI Scams Advisory Group with Treasury, DOJ, CFPB and retail, gift card, telecom and wire-transfer representatives to create model anti-scam training
  8. FTC report on AI-enabled scams within 180 days and annually; FCC rules on robocall reporting changes within 270 days

Latest legislative action

Dec 16, 2025. Read twice and referred to the Committee on Commerce, Science, and Transportation.

Topics and industries

Related topics

Affected industries

This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error