Bill · H.R. 3810· House(119-HR-3810)
SKIM Act
- Introduced
- 6/6/2025
- Last activity
- 6/6/2025 — Referred to the House Committee on the Judiciary.
- Sponsored by
- Vince Fong
- Cosponsors
- - 17 - 0
- Introduced
- In Committee
What this bill would do
The SKIM Act aims to combat access device fraud through updated sentencing and increased reporting. It directs the United States Sentencing Commission to revise guidelines to increase offense levels for certain fraud crimes. The bill also mandates a comprehensive report from the Attorney General and the Secretary of Homeland Security to Congress. This report must cover coordinated efforts between federal, state, and local law enforcement. Additionally, the report must assess fraud technologies, assistance requests, and high-concern areas.
Yes· 3 of 9
Does this give people more protection from unfair business practices?+5
By targeting access device fraud, the bill provides greater protection against identity theft and financial fraud.
Does this give people more control over their personal data?+4
Fighting access device fraud directly impacts the security and privacy of personal financial data.
Does this better protect the country from computer attacks?+4
Addressing access device fraud is a key component of protecting financial security and digital assets.
The opposite
Does this shorten or soften prison sentences?-3
The bill increases criminal penalties and baseline sentencing levels for fraud offenses.
Who it would affect, and how
Potential Positive Impacts for People
-
Stricter Sentencing for Fraudsters: Under Section 2, the bill changes guidelines to provide a 4-level baseline increase and ensures offenses reach at least level 14, which aims to increase penalties for access device fraud.
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Improved Law Enforcement Coordination: Section 3(a) requires a report on how the Department of Justice and Department of Homeland Security work with state and local agencies to prevent and prosecute fraud.
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Better Awareness of Fraud Tactics: Section 3(b)(2) requires an assessment of technologies and techniques used by perpetrators, which can help understand how fraud is facilitated or hidden from law enforcement.
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Data on Law Enforcement Support: Section 3(b)(3) tracks how often state or local agencies ask for federal help and whether that help is provided, which can highlight gaps in law enforcement assistance.
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Identification of Problem Areas: Section 3(b)(4) requires identifying specific states and counties where fraud remains a particular concern.
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Guidance for Prevention: Section 3(b)(6) seeks recommendations for best practices to help state and local law enforcement and business owners combat fraud.
Potential Negative Impacts for People
- Increased Penalties: Section 2 implements higher sentencing levels and changes how loss is calculated in cases involving 10 or more counterfeit or unauthorized access devices, resulting in more severe punishments for certain offenders.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Consumer Protection+5Improves Small Business Support+3
- Demographic And Interest Groups
- Good For Business Owners+3Good For Low Income Households+2
- Governance And Ideology
- Improves Government Transparency+3Increases Federal Power+2
- Education And Technology
- Improves Data Privacy+4
- National Security And Foreign Policy
- Improves Cybersecurity Defense+4
- Social Issues And Justice
- Improves Policing Reform+2Improves Criminal Sentencing Reform-3
- 9/4/2026
- 1 Cosponsor added.
- 9/2/2026
- 1 Cosponsor added.
- 8/31/2026
- 1 Cosponsor added.
- 7/22/2026
- 1 Cosponsor added.
- 7/16/2026
- 1 Cosponsor added.
- 6/22/2026
- 1 Cosponsor added.
- 2/4/2026
- 1 Cosponsor added.
- 2/3/2026
- 1 Cosponsor added.
- 1/21/2026
- 1 Cosponsor added.
- 1/8/2026
- 1 Cosponsor added.
- 9/8/2025
- 1 Cosponsor added.
- 8/15/2025
- 1 Cosponsor added.
- 7/25/2025
- 1 Cosponsor added.
- 6/30/2025
- 1 Cosponsor added.
- 6/6/2025
- Referred to the House Committee on the Judiciary.
- 3 Cosponsors added.
- Introduced in House
Rick AllenRepublican · Georgia
Don BaconRepublican · Nebraska
Mike CareyRepublican · Ohio
Russell FryRepublican · South Carolina
Glenn GrothmanRepublican · Wisconsin
Lance GoodenRepublican · Texas
Andrew GarbarinoRepublican · New York
James GallagherRepublican · California
Young KimRepublican · California
Brad KnottRepublican · North Carolina
Addison McDowellRepublican · North Carolina
Jay ObernolteRepublican · California
Pete SessionsRepublican · Texas
Derek SchmidtRepublican · Kansas
Jefferson ShreveRepublican · Indiana
David ValadaoRepublican · California
Jefferson Van DrewRepublican · New Jersey