Published in RINewsToday on August 3, 2026
Artificial Intelligence (AI) is no longer just changing how we work and communicate. It is rapidly transforming how criminals steal money from older Americans. Last week, the U.S. Senate Special Committee on Aging examined how AI-generated scams—from cloned audio to realistic deepfake videos—are creating an alarming new wave of fraud powered by artificial intelligence.
The afternoon hearing in room SD-562 dealt with AI-driven scams and financial exploitation. Since AI was introduced, the world of scams has changed significantly because criminals can now produce highly convincing deepfake videos and imitate voices with very little effort or technical knowledge, making them even harder to detect.
Taking a Closer Look at Computer-Generated Scams
The 83-minute hearing, held on Wednesday, July 29, featured testimony from victims who experienced devastating voice-cloning and deepfake fraud, medical professionals whose identities were weaponized, and experts from banking, cybersecurity, and consumer protection sectors who offered suggestions on combating it.
Scams have advanced far beyond annoying phone calls and deceiving emails,” says Chairman Rick Scott (R-FL) in his opening remarks. “AI can also be used to clone someone’s voice, a terrifying development that has been used in heartbreaking and evil ways to impersonate a loved one and deceive their family,” he says.
The Florida senator cautions that scams, fraud, and financial exploitation are now the main problem confronting seniors across the country. “With the development of AI, scammers have obtained new tools for carrying out their criminal activities, and we need to adjust our response to these emerging threats,” he stated.
Like Scott, Ranking Member Kristen Gillibrand (D-NY) expressed concern about the use of AI in scamming older adults. “By making it easier for bad actors to clone voices, fabricate images, and deceive targets, AI has facilitated an alarming rise in financial scams that rob our seniors of their hard-earned savings and personal information,” she said.
To combat the growing threat of technology-assisted fraud and scams, Senators Smith and Gillibrand called for strengthening the federal government’s ability to crack down on scammers and for Congress to pass legislation to promote the responsible development of AI.
Personal Stories, Calls on Congress to Tackle Issue
Dr. David Amron, the founder and medical director of the Roxbury Institute in Los Angeles, California, and founder and chair of the Lipedema, told lawmakers how he discovered that scammers in the summer of 2025 had taken real footage from his YouTube channel and combined it with digitally fabricated likenesses and the voice of a colleague as well as AI generated celebrity images and stolen media logos, to create a polished advertisement that appeared to be entirely legitimate.
Dr. Amron, who has treated patients with lipedema for more than three decades, testified that his office began receiving calls from people who watched a convincing video showing him endorsing a so-called “miracle” lipedema cream. Several had already purchased the product before realizing it was fraudulent.
Even after an 11-day battle with Meta, a Today Show investigation ultimately led to the removal of the fraudulent video. Dr. Amron’s frustration was that it kept resurfacing, underscoring how persistent and difficult it is to remove AI-enabled fraud schemes.
“The consequences extend far beyond financial loss,” remarked Dr. Amron, noting that patients may delay getting needed medical care to treat a progressive disease (like lipedema), placing their trust in unproven products and fraudulent services.
During the hearing, Dr. Amron urged lawmakers to strengthen protections against computer-generated impersonations, improve accountability for those who create and distribute them, and ensure laws keep pace with AI technology. He argued that pressure must be placed on platforms that host fraudulent content, stating they “have to have consequences.”
While Dr. Amron described how criminals easily use technology-assisted fraud to exploit public trust in medical professionals, the next witness described how voice cloning took a devastating emotional toll on her family.
Deborah Del Mastro, a Martinez, California resident, recounted a phone call she received last May during breakfast. This cloned call of her daughter crying and apologizing, from an unrecognized phone number, began a five-and-a-half-hour ordeal.
“I am usually very, very calm and collected in the face of crisis,” Mastro told the Senators, noting that she is always the person who “runs to the fire, now away from it.” She was totally convinced that she heard her daughter’s voice.
The veteran, living on a Social Security check and performance income made from acting and singing, with Mastro and her husband pulling a total of $ 5,400 cash from four separate transactions from MoneyGram and Western Union to send to Mexico.
Local police told Mastro that the “ransom” funds are unrecoverable. A detective told her that he “sees these by the hundreds.”
Education is key to protecting people from AI scams, asserts Mastro, telling the Senate panel that there is an absence of publicly available resources on how to protect yourself from AI-driven scams as opposed to the abundance of resources on how to use the emerging technology.
Financial institutions are also witnessing the rapid evolution of AI-driven scams. Paul Benda, the Executive Vice President for Risk, Fraud, and Cybersecurity of the American Bankers Association (ABA), describes how criminals are using AI to expand the scale and sophistication of traditional scams.
Benda, who chairs the ABA Fraud Coordination Group, reframes the new, evolving AI-driven scams not as a story of misused technology but as an industrial one.
“Generative AI is not replacing traditional scams. It is industrializing,” Benda asserts.
Benda explained that criminals are now using chatbots to initiate conversations before seamlessly handing victims off to human scammers once they become engaged. A survey of 14 large banks found that bank impersonation scams rose 150% from 2024 to 2025, Banta said, illustrating this growing threat.
Benda encouraged Congress to establish a national office for scams and fraud prevention, describing it as necessary to provide clear and national leadership to attack this problem. He also called for stronger telecom safeguards to keep criminals off calling networks and to restore trust in caller ID. He argued that if a name and number appear on caller ID, the telecom provider should be held accountable if it is accurate.
At this point, the hearing turned from personal and industry experiences to the broader cybersecurity challenges posed by this rapidly advancing technology.
Cybersecurity expert Matthew F. Ferraro, a Partner at Crowell & Moring LLP and a former official at the Department of Human Services, personally testified at this hearing, noting that his views do not represent his firm or clients.
Ferraro argued that “deepfakes can supercharge scams and cyber frauds, especially targeting senior citizens.” According to an industry report, financial losses from deepfake-enabled fraud exceeded $200 million in the first quarter of 2025.
Citing another study, Ferraro further illustrated the cost of AI-generated fraud. Consulting firm Deloitte expects that generative AI could enable fraud losses to reach $40 billion in the United States by 2027, he said.
In his testimony, Ferraro pointed out a successful national educational model to combat AI scams. Finland has integrated media literacy and AI-media spotting training into educational programs for both young and old.
Ferraro urged lawmakers to promote AI detection tools and provenance technology that tags media as human-created or AI-generated, comparing the potential to email spam filters operating in the background.
Ferraro concluded that stronger coordination among federal and state governments, law enforcement, and the private sector is essential for policymakers to successfully attack this problem and stay ahead of increasingly sophisticated fraud operations.
Holding Big Tech Accountable
While several witnesses focused on prevention and consumer education, another argued that Congress must also hold technology companies more accountable.
“I want to be clear that the devastating deception we’re seeing is not a result of technological ineptitude for older users…but rather a crisis emboldened by the biggest tech companies we know paired with a failure to rein them in,” charges Ben Winters, Director of AI and Privacy at the Consumer Federation of America.
“This is not an issue of personal responsibility, but something Congress is uniquely positioned to address,” says Winters.
Winters urged Congress to reject any legislative proposals that would prohibit states from regulating technology or limit tech company liability – characterizing such proposals as being “pushed by tech companies right now.”
Winters also recommended passing comprehensive data privacy laws with data minimization requirements and bans on the sale of sensitive data – specifically citing the practice of selling lists of people battling Alzheimer’s for targeting purposes as something that must be prohibited.
Winters supported the other witnesses’ call for sustained oversight of enforcement agencies to ensure that the federal government remains totally focused on upstream prevention of scams – “choking out the scam upstream, not just chasing individual scammers after the fact.”
The hearing also underscored that no family, not even a U.S. Senator’s family, is immune from these increasingly convincing scams.
Senate Aging Committee Member, Sen. Tommy Tuberville (R-AL) disclosed that his mother-in-law was scammed by a voice clone impersonating his granddaughter, sending $10,000 to someone claiming to be stranded in Europe.
Report Sheds Light on AI-Driven Scams, Impact
At this hearing, Chairman Scott (R-FL) and Ranking Member Gillibrand released a joint report: Artificial Intelligence & Older Americans: Confronting New Threats, Unlocking New Opportunities. The document details both the potential benefits of AI and the unique financial risks it poses to older Americans.
The 25-page report cited research, shedding light on the negatives of this emerging technology. Americans reported nearly $21 billion in cybercrime losses in 2026, with $893 million tied to AI-enabled scams across more than 22,000 complaints. More than 82 percent of phishing emails are now created with the help of AI.
Recognizing warning signs early can potentially prevent huge financial losses from AI-enabled fraud. Any unsolicited contact by phone, text, email, or social media should be treated with immediate skepticism, regardless of how professional it looks or how urgent its message appears, the report warns.
Slow down and pause before acting, the report recommends. Review your financial accounts regularly for unauthorized transactions and set up transaction alerts through your financial institution. For protection, the report notes that the Federal Trade Commission recommends placing a free credit freeze on all three major credit card bureaus.
Any payment requests can be a red flag for a scam. Any request for payment by gift card, wire transfer, cryptocurrency, or cash is a clear indicator of fraud, the report notes.
AI-simulated threats using deepfakes and voice cloning can replicate a loved one’s voice or image to perpetrate financial fraud. The report suggests that a family code word or verbal safe phrase be used to verify the identity when a family member appears to be calling in. AI voice cloning or deepfakes.
Finally, the Senate Aging Committee report stresses the importance of reporting fraud, recommending that victims contact the AARP Fraud Watch Network Helpline at 877-908-336.
On a positive note, older persons using AI company devices experienced a 95 percent drop in feelings of loneliness, along with substantial gains in overall well-being. This technology can also potentially reduce preventable adverse drug reactions, lower hospitalization costs, and improve the quality of life of millions of older persons managing multiple chronic conditions.
Increased efficiency through the use of AI scribes saves physicians time on administrative paperwork, increasing productivity and allowing them to spend more quality time with their older patients.
Meanwhile, AI use in clinical decision-making can improve sepsis detection, improve cancer diagnosis, and help the physician understand multiple drug interactions, all of which have a significant impact on providing care to older adults.
Finally, the report notes that AI use to reduce falls, to track vital signs, medication adherence, sleep patterns, and activity levels can help older adults age in place.
As lawmakers continue debating how best to regulate AI, one message clearly emerged repeatedly during the hearing: technology will continue evolving, but awareness remains the strongest defense. For older Americans, taking a moment to verify an unexpected phone call, text, or email may well be the simplest—and most effective—way to avoid becoming the next victim.
To watch the Senate Aging Committee AI hearing, go to https://www.aging.senate.gov/hearings/the-ai-deception-machine-deepfakes-chatbots-and-the-new-frontier-of-senior-fraud
To read the Joint Senate Aging Committee AI report, go to FINAL VERSION AI Report.
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AI Data Centers Spark Utility-Cost Concerns for Older Rate Payers
Published in RINewsToday on May 25, 2026
The Industrial Revolution began at Slater Mill in Pawtucket and transformed the economy through machine-powered manufacturing. Now, 260 years later, the rise of artificial intelligence (AI) is changing the economy again as computers take on more jobs and reshape industries.
Artificial Intelligence may feel distant from the daily lives of many older Rhode Islanders, but the electric bills needed to power it could become personal. As AI data centers expand across the country, consumer advocates and lawmakers are asking whether residential rate payers — including seniors on fixed incomes — could end up subsidizing the energy infrastructure needed by some of the world’s largest technology companies.
For older adults living on Social Security, pensions, or other fixed incomes, even modest increases in electric bills can mean tradeoffs with food, medication, transportation, or home maintenance.
AI data centers have servers and special computer hardware that run AI systems. Thousands of advanced chips quickly process data to train and run AI models for tasks such as analytics, image generation, and chatbots. Large data centers consume significant amounts of electricity and require advanced cooling systems. This has led to concerns about higher electricity bills, increased water use, and environmental impacts.
The rapid growth of AI has accelerated investment by major technology companies, including Amazon, Google, Meta, and Microsoft. By March 2026, Consumer Reports noted that there were 3,069 data centers across the country, with 1,489 more planned or under construction. Rhode Island has seven data centers.
Some researchers say that AI is driving up electricity demand. A report from Bloom Energy in January 2026 predicts that U.S. data centers will use between 80 and 150 gigawatts of energy, almost doubling from 2025 to 2028.
Opposition Builds Against AI Data Center Projects
Gallup Poll’s first survey on data center construction, released on May 13, 2026, found that many Americans are worried about AI data centers being built in their communities. People are concerned about the use of large areas of land and the possible environmental, economic, and social effects. Seven out of ten people surveyed are against these projects in their area, and almost half (48%) are strongly opposed. Only about a quarter support the centers, and just 7% are strongly in favor, notes Jeffrey M. Jones, the author of the Gallup Poll report.
About one in five people who oppose data centers worry about how they might affect daily life. Their concerns include increased noise, air and water pollution, heavier traffic, and the desire to use the land for something else. Some also mention higher utility bills, rising living costs, and the possible need for subsidies.
“Most of the remaining opposition stems from general or specific concerns about Artificial Intelligence,” notes Jones.
Even though many people have concerns, the survey shows that supporters of AI data centers view the situation differently. Most supporters point to potential economic benefits, such as new jobs, increased tax revenue, and improved infrastructure as the main positives.
When it comes to politics, the Gallup poll found that most people—whether Republican, Democrat, or Independent—do not want a data center built near their homes. The survey notes that Democrats are more likely than Republicans to be strongly opposed (56% compared to 39%), with independents in the middle at 48%.
Older Ratepayers Push Back Against Higher Utility Rates
As AI data centers grow rapidly, AARP in Washington, DC, is monitoring rising power demand and the associated costs. Approximately 40 states have considered legislative or regulatory action related to the impact of large data centers on utility costs, grid reliability, or water use.
AARP’s 2025 report, ‘Powering AI, Draining Wallets: Consumers Could Be at Risk for Steep Electric Bills,’ was conducted by the National Opinion Research Center (NORC) at the University of Chicago and sampled U.S. households aged 50+. Survey results show that 69% of people aged 50 and over have seen their electric bills go up in the past year, and one in four say the increase is significant. 78% are worried about rising electricity costs, underscoring the financial stress many older adults feel.
75% of respondents call on state leaders to ensure that regular customers do not have to pay for the electricity used by new data centers. While 78% think data centers should cover their own utility costs rather than receive government assistance, just 3% believe ratepayers should pay.
Both Democrats (76%) and Republicans (74%) want state governments to protect customers from having to subsidize AI data centers.
In Oklahoma Older Residents Weigh In on AI Data Center Debate
Also, an AARP report, “Utility Affordability and Large Data Centers,” noted that older Oklahomans, especially those living on fixed incomes, are very worried about data centers and whether they can afford their bills
“Across the country, states are facing the same fundamental question: how to support rapid growth in energy demand without risking affordability for everyday consumers,” said Jenn Jones, Vice President of Financial Security and Livable Communities at AARP, in an April 28, 2026, statement announcing the release of the report.
The survey found that most Oklahomans (92%) think state leaders should make sure current residential customers do not have to pay for the costs of new data centers. Many (86%) also believe that data center companies should pay for the big electricity and infrastructure costs themselves.
Regulating Rhode Island’s Burgeoning Data Center Industry
Supporters of data center development argue that the facilities can bring construction jobs, permanent technical and security jobs, local tax revenue, and investment in electric-grid infrastructure. The central policy question is not whether data centers should exist, but who pays for the added power capacity they require — the companies that use it, or the broader pool of residential and business customers.
On Jan. 28, 2026, House Speaker Pro Tempore Brian Patrick Kennedy (D-Dist. 38, Hopkinton, Westerly) introduced H 7331 to implement state regulations on data centers being built in Rhode Island. The bill was referred to the House Corporations Committee. In the upper chamber, Sen. Louis P. DiPalma (D-Dist. 12, Middletown, Little Compton, Newport, Tiverton) later introduced the Senate companion measure, S 2776, on March 4, 2026, which was referred to the Senate Commerce Committee. Both legislative proposals have since been recommended for further study.
“Data centers have become controversial because they often require improvements to the electric infrastructure, with ratepayers footing the bill,” said Rep. Kennedy. “This, coupled with substantial environmental implications, requires a regulatory framework that can balance the economic benefits of data centers with our energy and environmental concerns,” he says.
Both legislative proposals require the Public Utilities Commission to ensure protections for ratepayers in Rhode Island by preventing data center operators from passing their electricity costs on to residential and other business customers. Data centers must pay their own way to protect ratepayers from subsidizing the large-scale private energy demands of these projects, and no costs related to the construction of electric infrastructure should be allocated to other customers.
It would also require each data center to submit an annual report to the RI Department of Environmental Management detailing daily water withdrawals, the cooling technologies used, and water recycling or reuse practices. It would allow the DEM director to require a data center to submit a water efficiency, conservation, or recycling plan as a condition of any permit issued. A final provision requires financial assurance that provides for site restoration in the event of abandonment or cessation of operations.
For older Rhode Islanders, the debate is likely to be less about artificial intelligence itself than about affordability. As data centers expand, lawmakers and regulators will face a basic question: how to support new technology and economic development without shifting private infrastructure costs onto households already struggling with rising utility bills.
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Herb Weiss 