Sponsor: Rep. Flood, Mike (R-NE)1 cosponsorIntroduced May 7, 2026
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In plain English
Rep. Mike Flood (R-NE) introduced this bill directing federal banking agencies—the Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Reserve Board, and National Credit Union Administration—to jointly study how insured banks and credit unions use advanced fraud detection technology, including artificial intelligence and machine learning, and report findings and legislative recommendations to Congress. The bill also allows these agencies to establish a temporary pilot program to help community financial institutions and small banks and credit unions access advanced fraud detection tools.
What’s in the bill (3 sections)
Sec. 2. Definitions
Sec. 3. Study on advanced technologies in fraud and scam detection and
Sec. 4. Community financial institution fraud technology pilot program
Note: the official CRS summary for this bill was written on 2026-06-18, but the bill text was revised on 2026-06-18T04:00:00Z. Provisions may have been added since the summary was written — the section list above reflects the current text.
Where it is in the process
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Introduced
May 7
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House committee
May 13
3
House floor
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4
Senate
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5
Signed
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What happens next: Awaiting committee assignment or hearings in the House.
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