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A BILL
To increase penalties for the commission of financial crimes using
artificial intelligence.
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 ``AI Fraud Deterrence Act''.
SEC. 2. FINDINGS.
Congress finds the following:
(1) Scammers are using AI to impersonate senior U.S.
government officials.
(2) In May 2025, hackers breached the personal cellphone of
White House Chief of Staff Susie Wiles and used AI to
impersonate her voice in calls and messages to senators,
governors, business leaders, and other high-level contacts.
(3) In July 2025, AI was used to impersonate Secretary of
State Marco Rubio's voice in calls to three foreign ministers,
a Member of Congress, and a Governor, with the apparent aim of
obtaining sensitive information and access to accounts.
SEC. 3. FINANCIAL CRIMES AND ARTIFICIAL INTELLIGENCE.
(a) Mail Fraud.--Section 1341 of title 18, United States Code, is
amended--
(1) by striking ``$1,000,000'' and inserting ``$2,000,000''; and
(2) by inserting after the period at the end the following:
``If the violation is committed with the assistance of
artificial intelligence, such person shall be fined not more
than $1,000,000 or imprisoned not more than 20 years, or
both.''.
(b) Wire Fraud.--Section 1343 of title 18, United States Code, is
amended--
(1) by striking ``$1,000,000'' and inserting ``$2,000,000''; and
(2) by inserting after the period at the end the following:
``If the violation is committed with the assistance of
artificial intelligence, such person shall be fined not more
than $1,000,000 or imprisoned not more than 20 years, or
both.''.
(c) Bank Fraud.--Section 1344 of title 18, United States Code, is
amended--
(1) by striking ``Whoever knowingly'' and inserting the
following:
``(a) In General.--Whoever knowingly''; and
(2) by adding at the end the following:
``(b) Artificial Intelligence.--Whoever commits subsection (a) with
the assistance of artificial intelligence shall be fined not more than
$2,000,000 or imprisoned not more than 30 years, or both.''.
(d) Artificial Intelligence Defined.--
(1) In general.--Section 1346 of title 18, United States
Code, is amended--
(A) by amending the section heading to read as
follows: ``Definitions'';
(B) by striking ``chapter, the term'' and inserting
the following: ``chapter--
``(1) the term'';
(C) by striking the period at the end and inserting
``; and''; and
(D) by adding at the end the following:
``(2) the term `artificial intelligence' has the meaning
given such term in section 5002 of the National Artificial
Intelligence Initiative Act of 2020.''.
(2) Clerical amendment.--The table of sections for chapter
63 of title 18, United States Code, is amended by striking the
item relating to section 1346 and inserting the following:
``1346. Definitions.''.
(e) Money Laundering.--Section 1956 of title 18, United States
Code, is amended--
(1) in subsection (a)--
(A) in the continuation text following paragraph
(1)(B)(ii), by inserting after ``or both'' the
following: ``, or, in the case that such violation is
committed with the assistance of artificial
intelligence, shall be fined not more than $1,000,000
or thrice the value of the monetary instrument or funds
involved in the transaction, whichever is greater, or
imprisoned for not more than 20 years, or both'';
(B) in the continuation text following paragraph
(2)(B)(ii), by inserting after ``or both'' the
following: ``, or, in the case that such violation is
committed with the assistance of artificial
intelligence, shall be fined not more than $1,000,000
or thrice the value of the monetary instrument or funds
involved in the transportation, transmission, or
transfer, whichever is greater, or imprisoned for not
more than 20 years, or both''; and
(C) in the continuation text following paragraph
(3)(C), by inserting after ``or both'' the following:
``, or, in the case that such violation is committed
with the assistance of artificial intelligence, shall
be fined under this title, or imprisoned for not more
than 20 years, or both''; and
(2) in subsection (c)--
(A) in paragraph (8), by striking ``and'' at the
end;
(B) in paragraph (9), by striking the period and
inserting ``; and''; and
(C) by adding at the end the following:
``(10) the term `artificial intelligence' has the meaning
given such term in section 5002 of the National Artificial
Intelligence Initiative Act of 2020.''.
SEC. 4. AI IMPERSONATION OF FEDERAL OFFICIALS.
Section 912 of title 18, United States Code, is amended--
(1) by inserting after the period at the end the following:
``If the violation is committed with the assistance of
artificial intelligence, such person shall be fined not more
than $1,000,000 or imprisoned not more than 3 years, or
both.'';
(2) by striking ``Whoever'' and inserting the following:
``(a) In General.--Whoever'';
(3) by inserting after ``falsely assumes or pretends to be
an officer or employee'' the following: ``, including with the
use of artificial intelligence,''; and
(4) by adding at the end the following:
``(b) Rule of Construction.--Nothing in this section shall be
construed to limit legitimate uses of artificial intelligence in
satire, parody, or expressive conduct protected under the First
Amendment, provided such content includes clear disclosure that it is
not authentic and is not intended as such.
``(c) Definition.--In this section, the term `artificial
intelligence' has the meaning given such term in section 5002 of the
National Artificial Intelligence Initiative Act of 2020.''.