“To increase penalties for the commission of financial crimes using artificial intelligence.”
No CRS summary available for this bill.
This section states congressional findings that scammers are using artificial intelligence (AI) to impersonate senior U.S. government officials, including a May 2025 incident in which hackers breached White House Chief of Staff Susie Wiles's cellphone and used AI to impersonate her voice in calls and messages to senators, governors, business leaders, and other high-level contacts, and a July 2025 incident in which AI impersonated Secretary of State Marco Rubio's voice in calls to three foreign ministers, a Member of Congress, and a governor to obtain sensitive information and account access.
This section amends federal mail fraud, wire fraud, bank fraud, and money laundering statutes (18 U.S.C. §§1341, 1343, 1344, 1956) as follows: (1) increases the maximum fine for mail and wire fraud violations related to presidentially declared major disasters or emergencies or affecting financial institutions to $2 million (from $1 million); (2) establishes new penalties for violations of mail fraud, wire fraud, bank fraud, or money laundering committed with artificial intelligence assistance—up to a $1 million fine or 20 years imprisonment (mail, wire, and money laundering offenses), or up to a $2 million fine or 30 years imprisonment (bank fraud), with money laundering fines potentially reaching the greater of $1 million or thrice the value of funds involved; and (3) defines “artificial intelligence” in 18 U.S.C. §§1346 and 1956(c) by reference to section 5002 of the National Artificial Intelligence Initiative Act of 2020 (with conforming amendments to section headings and tables of contents).
This section amends 18 U.S.C. 912, which prohibits falsely impersonating a federal officer or employee and acting as such or obtaining something of value (punishable by fine under title 18 or imprisonment up to three years, or both), by (1) explicitly including impersonation "including with the use of artificial intelligence"; (2) establishing an enhanced penalty for violations committed with AI assistance of a fine up to $1,000,000 or imprisonment up to three years, or both (previously, fined under title 18 or imprisoned up to three years); (3) adding a rule of construction preserving First Amendment protections for legitimate AI uses in satire, parody, or expressive conduct if clearly disclosed as not authentic; and (4) defining "artificial intelligence" by cross-reference to section 5002 of the National Artificial Intelligence Initiative Act of 2020.