S. 4782 explained  ·  119th Congress  ·  Pending in Congress

ReportScams.gov Act

Create a free account or sign in to follow S. 4782 and get alerts. Policy area: Government Operations and Politics Create a free account or sign in to follow the Government Operations and Politics policy area and get alerts. ▲ 126 days since action Sponsor: Margaret Wood Hassan, NH-Senate, D → Congress.gov

Cosponsors: 2 (1 D, 1 R) · per Congress.gov, 2026-10-14

Introduced: 2026-06-15

Latest action (2026-06-15): Read twice and referred to the Committee on Homeland Security and Governmental Affairs.

What S. 4782 does, in plain terms

The Congressional Research Service has not published a summary of S. 4782 yet. Its official title: “ReportScams.gov Act”.

Constitution Index

“VFA Constitution grade”

Not graded yet

S. 4782 has not been graded yet. New measures with an official summary are graded daily under the published rubric.

The Framers

“Founders’ Verdict”

CONSTITUTIONAL

Confidence 0.75

Archived SI output (machine-generated)

No editorial review recorded. This historical SI verdict was machine-generated by software and predates the review desk; check it against the official bill text.

Synthesis

The bill is constitutional under the Commerce Clause and General Welfare Clause, as it addresses interstate fraud and protects national commerce, provided it does not infringe on state police powers or create broad delegations of legislative authority.

Hamilton YES

The establishment of a Scams Steering Committee, Action Plan, and website falls within the federal power to regulate interstate commerce, as fraudulent schemes frequently cross state lines and involve interstate communications. The General Welfare Clause also supports federal action to protect citizens from financial harm. While the police power is reserved to the states, this bill does not intrude upon traditional state functions but rather supplements them with a coordinated federal response.

Article I, Section 8, Clause 3 Federalist No. 23
Jefferson NO

This bill establishes a federal steering committee, action plan, and website for scams prevention, yet the Constitution grants no general police power to the United States. Such matters of consumer protection and public information are reserved to the states or the people under the Tenth Amendment. The enumerated powers in Article I, Section 8 do not include a general authority to create federal goals or committees for fraud prevention; any such action must be tied to a specific delegated power, such as regulating interstate commerce, but this bill lacks that nexus. To permit this would expand…

Amendment X Article I, Section 8
Madison CONDITIONAL

This bill creates new federal mechanisms—a priority goal, steering committee, action plan, and website—to combat scams. Under the Constitution, Congress may legislate to regulate interstate commerce (Article I, Section 8, Clause 3) and provide for the general welfare (Article I, Section 8, Clause 1), provided such measures are within the enumerated powers and necessary and proper (Article I, Section 8, Clause 18). Scams that cross state lines implicate interstate commerce, so a federal role may be legitimate. However, the bill must not exceed the bounds of limited, enumerated powers by encroac…

Article I, Section 8, Clause 3 Article I, Section 8, Clause 1 Article I, Section 8, Clause 18 Federalist No. 45
Marshall YES

This bill is a valid exercise of Congress's power under Article I, Section 8, Clause 1 to provide for the general welfare, and under the Necessary and Proper Clause (Article I, Section 8, Clause 18) to carry into execution the powers vested in the Federal Government. The establishment of a steering committee, action plan, and website to disseminate information and prevent scams falls within the scope of federal authority to regulate interstate commerce and protect the public from fraudulent schemes that affect the national economy. As held in McCulloch v. Maryland, the Constitution grants impl…

Article I, Section 8, Clause 1 (General Welfare) Article I, Section 8, Clause 18 (Necessary and Proper Clause) McCulloch v. Maryland (1819) Gibbons v. Ogden (1824)
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What should pass

“VFA SI Solution”

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Archived SI output (machine-generated) · No editorial review recorded

This historical draft has no editorial review time on record. Check its claims against the original bill and current law.

Interstate Scam Coordination and Consumer Alert Act of 2025

Generated by VFA SI Solutions

To coordinate federal efforts to combat scams and fraud that cross state lines (e.g., phone scams, online fraud) by creating a steering committee, an action plan, and a central website, so consumers can better identify and report scams.

Bipartisan rationale: Honors Democratic priorities: protecting consumers from fraud, ensuring vulnerable populations are warned, and transparent oversight. Honors Republican priorities: narrow federal scope (no preemption of state laws), sunset provision, capped funding from existing accounts without new taxes, and privacy protections.

Funding: Unobligated balances of the Federal Trade $5,000,000 per year for 5 years Sunset 5y Oversight: Senate Committee on Homeland S Enforcement: FTC civil enforcement for misuse of
→ Article I, Section 8, Clause 3 (Commerce Clause) → Article I, Section 8, Clause 1 (General Welfare) → Fifth Amendment (Due Process) → Tenth Amendment (Reserved Powers)

Article I, Section 8, Clause 3 Article I, Section 8, Clause 1 Amendment V Amendment X

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