[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[H.R. 10125 Introduced in House (IH)]

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118th CONGRESS
  2d Session
                               H. R. 10125

  To increase penalties for the commission of financial crimes using 
                        artificial intelligence.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           November 14, 2024

  Mr. Lieu (for himself and Mr. Kiley) introduced the following bill; 
          which was referred to the Committee on the Judiciary

_______________________________________________________________________

                                 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. 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.''.
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