Congress Moves on a National Anti-Scam Strategy to Protect Older Adults

Published in RINewsToday on December 8, 2025

Last month, the AARP, recognizing that the holiday season leading up to Christmas is widely viewed as “prime time” for scams targeting older Americans, released findings from its 2025 Holiday Shopping and Scams Survey. According to the AARP Fraud Watch Network, fraud aimed at online shoppers and holiday donors continues to skyrocket.

With Christmas fast approaching, millions of Americans are preparing to shop and give online. The Survey, released just nine days before Thanksgiving, reveals that a majority of U.S. adults (89%) have encountered at least one scam. These include fake notifications about shipment issues (55%), phony charity appeals (35%), misleading digital ads (39%), and even the physical theft of packages from porches (30%). More than half of adults said they received a fake shipping notice this year, while nearly four in ten encountered deceptive ads on social media.

“Criminals are relentless during the holidays, exploiting the many opportunities that come with a busy season—from shopping and traveling to charitable giving,” said Kathy Stokes, Director of Fraud Prevention Programs at the AARP Fraud Watch Network, in a Nov. 18 statement.  “Understanding how they operate is the first step toward protecting yourself and your loved ones,” she says.

Although online scams continue to rise, many consumers still prefer using debit cards—even though recouping funds taken from a victim’s bank account often takes far longer than resolving a disputed credit card charge. Still, the report shows that safer payment habits are gaining ground.

While 72% of consumers plan to use a debit card this year, credit card use is up significantly from 2024 (64%), with nearly seven in ten planning to use a credit card during the upcoming holiday season.

The survey also found that 64% of consumers who plan to purchase gift cards this season expect to buy them off the rack at retail stores, such as grocery stores or pharmacies. This continues to be a major vulnerability: 33% of U.S. adults reported giving or receiving a gift card with no balance. Fraudsters often record the card number, expose and reseal the PIN, then wait for activation before draining the funds.

Consumers are increasingly targeted through peer-to-peer (P2P) payment apps as well, with two in five users reporting that they have sent money to someone they did not know. Despite growing awareness, many people still underestimate the risks of using debit cards or fail to verify charitable organizations before donating.

New Federal Plan Aims to Protect Seniors

AARP’s survey found that 92% of respondents—across liberal, moderate, and conservative viewpoints—want Congress to do more to protect older adults from fraud. And Congress appears to be listening.

Last week, U.S. Sen. Kirsten Gillibrand (D-NY), ranking member of the Senate Aging Committee, held a Dec. 4 virtual press conference announcing the introduction of S. 3355, National Strategy for Combating Scams Act of 2025, legislation aimed at providing stronger safeguards for seniors this holiday season and beyond. This bill was referred to the Senate Judiciary Committee.  Gillibrand warned that financial scams, which cost Americans more than $16 billion last year, disproportionately harm older adults.

Throughout the event, Gillibrand underscored the economic hardship caused when older adults lose money to fraud. She noted the rapid evolution of artificial intelligence, which is enabling scammers to create more sophisticated and “hyper-realistic imposter scams” that require immediate government action.

Senate cosponsors include Sens. Rick Scott (R-FL), Mark Kelly (D-AZ), and Ashley Moody (R-FL). H.R. 6425, companion legislation is being led in the House by Reps. Gabe Amo (D-RI) and Derek Schmidt (R-KS).  Hopefully, we’ll see Rep. Seth Magaziner (D-RI) join Rep. Eleanor Homes Del Norton (D-District of Columbia) and Rep. Sarah McBride (D-DE) as cosponsors.

According to Gillibrand, more than four in ten Americans say they have lost money to scams or had their sensitive information stolen. Older adults account for an estimated 30% of financial losses, with an average loss of $83,000 per incident. Gillibrand shared the story of a 75-year-old man who received up to five scam calls each day and a senior woman who lost $39,000.

The Government Accountability Office (GAO), often referred to as Congress’s watchdog, recently identified at least 13 federal agencies conducting anti-scam efforts, each working independently under different mandates. GAO recommended that the FBI take the lead in establishing a unified National Strategy for Combating Scams. Gillibrand’s bill would give the FBI a legal obligation to implement that framework.

During the press conference, Gillibrand also addressed underreporting, noting that many victims—like her own aunt who lost $5,000 to a scammer impersonating an FBI agent—feel too embarrassed to tell family members or law enforcement. She shared the story in response to a question from Brian O’Neill, host of Newsmaker on WLEA Radio, underscoring how shame and secrecy allow scammers to continue exploiting vulnerable individuals.

“I’m proud to introduce the bipartisan National Strategy for Combating Scams Act to help make sure seniors don’t get scrooged this holiday season,” said Gillibrand. “It’s clear that we need a coordinated national strategy to tackle the increasingly sophisticated scams targeting our seniors, and this legislation would bring that to fruition. I look forward to working with colleagues on both sides of the aisle to get this vital bill across the finish line.”

Sen.Rick Scott (R-FL), chair of the U.S. Senate Special Committee on Aging, added: “Families across the country are being hammered by increasingly sophisticated scams, and Washington has been far too slow to respond. This bipartisan effort finally brings federal agencies together, cuts duplication, and creates a real national plan to protect seniors and hardworking Americans.

AARP, which represents 125 million adults age 50 and over, strongly endorses the National Strategy for Combating Scams Act of 2025. “The strategy encourages smarter use of technology, better data collection, and stronger partnerships with banks, tech companies, and law enforcement to help prevent scams and support victims. And it prioritizes making resources easier to access, providing more effective recovery for those who’ve been targeted,” says AARP’s Jennifer Jones, vice president of Financial Security & Livable Communities, Government Affairs.

House Considers Companion Anti-Scam Bill

On the House side, Rep. Amo introduces a companion measure (H.R. 6425). “Too many Rhode Islanders have been taken for a ride by scammers skimming their pockets and stealing their hard-earned money, leaving many devastated and destitute,” he said. “I’m proud to introduce the bipartisan National Strategy for Combating Scams Act to ensure we are addressing the rising scam threat in a coordinated and strategic manner.”

According to the FBI, Rhode Islanders lost $6,309,411 to senior fraud in 2024 alone. Earlier this year, Amo launched the bipartisan Stop Scams Caucus to combat financial fraud, cyber scams, and cross-border criminal networks. In Rhode Island, he also convened a roundtable discussion at the Middletown Senior Center focused on scam prevention.

The National Strategy for Combating Scams Act is endorsed by a broad coalition of national organizations, including AARP, Aspen Institute Financial Security Program, Chamber of Progress, Global Anti-Scam Alliance, Justice in Aging, the National Adult Protective Services Association (NAPSA), National Association of Social Workers, National Asian Pacific Center on Aging, National Caucus and Center on Black Aging, National Sheriffs’ Association, Stop Scams Alliance, and many others.

To view AARP’s holiday scam report, go to https://www.aarp.org/content/dam/aarp/research/topics/work-finances-retirement/fraud-consumer-protection/holiday-shopping-scams-2025.doi.10.26419-2fres.00992.001.pdf

Senate Aging Committee Seeks Renewal of Older Americans Act 

Published in RINewsToday on November 10, 2025

 With over 359 days until the mid-term elections, the U.S. Senate Select Committee on Aging held a hearing last week to emphasize the need for reauthorizing the Older Americans Act (OAA), a crucial piece of federal legislation that expired the previous year. The hearing highlighted the key role OAA plays in assisting Americans living with age-related diseases, such as Alzheimer’s and Parkinson’s, as well as their caregivers.

Last reauthorized in 2020, the OAA expired during the 118th Congress. S. 4776, introduced by Senator Bill Cassidy, M.D. (R-LA), chair of the Senate Health, Education, Labor, and Pensions (HELP) Committee, and Senator Bernie Sanders (I-VT), the committee’s ranking member, passed the Senate by unanimous consent last year. However, the House failed to pass a companion measure due to unrelated political disagreements.

Senate Bipartisan Bill Introduced to Reauthorize the OAA

On June 18, 2025, Chairman Cassidy, alongside nine co-sponsors, reintroduced the OAA Reauthorization Act of 2025 (S. 2120). This 91-page bill would authorize new funding a strengthen services for older Americans. The bipartisan bill was referred to the Senate HELP Committee the day it was introduced, where hearings, markups, and a committee vote are expected. If approved, it will move to the full Senate. As of press time, a companion bill had not yet been introduced in the House.

 Chairman Cassidy’s co-sponsors include Senators Bernie Sanders, Kirsten Gillibrand (D-NY), Rick Scott (R-FL), chair of the Senate Special Committee on Aging, Lisa Murkowski (R-AK), Tim Kaine (D-VA), Ben Ray Luján (D-NM), Ed Markey (D-MA), Markwayne Mullin (R-OK), and Susan Collins (R-ME).

 Although S. 2120 closely mirrors last year’s S. 4776, there are notable differences. Specifically, it would reauthorize OAA programs through FY 2030 and increase funding by 18% over the next four years. It also includes measures to promote innovation, strengthen the Long-Term Care Ombudsman Program, and expand the National Family Caregiver Support Program. Additionally, the bill aims to improve services for Tribal elders and older adults with disabilities, ensuring these populations remain active and supported in their communities.

 S. 2120 would also address elder abuse by establishing a clearinghouse for best practices, focusing on legal and protective services to strengthen state ombudsman programs, adult protective services, and related legal supports.

 Senate Aging Committee Hearing Highlights Call for S. 2120 Passage

 On November 5, 2025, Chairman Rick Scott (R-FL) and Ranking Member Kirsten Gillibrand (D-NY) of the Senate Aging Committee held a full committee hearing titled “Renewing Our Commitment: How the Older Americans Act Uplifts Families Living with Aging-Related Diseases.” The hearing, which took place in SD-216 at 3:30 p.m., focused on how OAA-funded programs provide critical support to millions of Americans with Alzheimer’s and Parkinson’s disease. The goal of the hearing was to push for the passage of S. 2120 with bipartisan support.

In his opening statement, Chairman Scott emphasized the importance of reauthorizing the OAA to ensure that programs and services keep pace with a rapidly growing aging population—one increasingly affected by Alzheimer’s and Parkinson’s diseases, placing greater demands on caregivers.

“More than 7 million older Americans are living with Alzheimer’s disease, and nearly 1 million are affected by Parkinson’s,” said Scott. “Behind these numbers are caregivers—a husband, a wife, a son, or a daughter—providing unpaid, around-the-clock care.”

“Every service made possible by this law [OAA] represents compassion made real,” he added.

Ranking Member Gillibrand opening statement pointed out that most people are unaware of the OAA’s existence, despite the fact that one in six older adults benefit from its programs. “In 2024, the OAA generated 3.39 times its investment in community value and taxpayer savings. Through efficient service delivery, older adults avoided 1.9 million days of long-term hospital stays and institutional care,” she said.

“It’s not the time to take our foot off the gas,” Gillibrand continued. “Even though there have been minimal interruptions in service delivery since the Act’s authorization expired last year, it is vital that we pass a reauthorization this fall to modernize the statute and reflect the evolving needs of older adults.”

The three witnesses at this Senate Aging Committee hearing shared how OAA-funded services—such as adult day centers, home-delivered meals, caregiver support, and specialized exercise programs—helped them to maintain their health, and independence. They pointed out that these community-based services not only provided caregivers with the critical support, more important they were cost-effective alternatives to more costly nursing home care.

Key Testimonies Highlight the Impact of OAA Programs

Erick Montealegre, a volunteer community educator for the Alzheimer’s Association and a caregiver for his father, who was diagnosed with mild cognitive impairment, told the panel that adult day care centers and home-delivered meals—funded by the OAA—had made a “world of difference” in his father’s quality of life, providing essential respite care for his family.

Montealegre highlighted the importance of these programs being culturally and linguistically appropriate. His 84-year-old father, who had lost the ability to speak English and reverted to speaking his native Spanish, benefitted greatly from services that met his language needs.

“This hearing is especially meaningful to me because it’s taking place in November, National Family Caregivers Month,” Montealegre noted. In conclusion, he said, “Reauthorizing and strengthening the Older Americans Act is an investment in our families, our dignity, and our community.”

Steve Sappington, who has lived with Parkinson’s disease for the past ten years, explained that an OAA-supported exercise program, Rock Steady Boxing, has significantly slowed the progression of his symptoms. Recounting his experiences in living with Parkinson’s, he noted that he went eight years without having to increase his Parkinson’s medication after starting the boxing program. His neurologist called it a “miracle” and said he had never seen anything like it before.

“Programs like ours are possible because of the foundation laid by the OAA,” Sappington said. “Local OAA-funded services—such as transportation, congregate and home-delivered meals, caregiver support, adult day services, and other vital programs—make it possible for older adults like me to stay active and connected.” He urged Congress to reauthorize the OAA to ensure continued support for these essential services.

However, Sappington also pointed out that many older adults remain unaware of the services available to them, emphasizing the need for culturally competent outreach, particularly to low-income, rural, and minority communities.

 Duana Patton, Chief Executive Director of the Ohio District Five Area Agency on Aging and Board President of USAging, emphasized that Area Agencies on Aging (AAAs) serve as the “front door” to a network of local, community-based services. She argued that the OAA represents a cost-effective investment for the federal government, as its programs help older adults remain in their communities, which is far less expensive than placement in costly nursing homes.

 “The longer older adults can successfully age at home, the better it is financially for families and the federal government,” Patton explained. Having worked in the AAA field for over 31 years, she cited the example of “Ms. Gray,” a client who, after receiving in-home personal care and meals funded by the OAA, no longer required hospital readmissions due to the significant improvements in her health.

The witnesses stressed that the OAA needs to be promptly reauthorized, strengthened, and modernized to provide local agencies with the flexibility required to meet the evolving needs of their communities.

 A Final Note…

“We hope the Senate’s OAA reauthorization bill (S. 2120) can move forward soon, either under Unanimous Consent or attached to another legislative vehicle,” says Amy Gotwals, Chief of Public Policy and External Affairs at USAging. “While the House has yet to announce a specific plan, USAging, along with other aging organizations, is advocating for a bipartisan, bicameral bill that will pass before the end of the year.”

Gotwals notes that, although the reauthorization is important, it is not immediately necessary to ensure continued funding for the OAA. “President Trump’s budget, along with both the Senate and House FY 2026 bills, protect all but one OAA program—the Title V Senior Community Service Employment Program. If there’s a year-long Continuing Resolution, all programs will be protected,” she adds.

 “The shutdown remains our biggest challenge right now,” Gotwals concludes.

Senate Aging Committee: Mandatory Arbitration in Age Bias Cases

Published in RINewsToday on September 8, 2025

Chairman Rick Scott (R-FL) and Ranking Member Kirsten Gillibrand (D-NY) of the U.S. Senate Special Committee on Aging recently held a full committee hearing titled ‘Protecting Older Americans: Leveling the Playing Field for Older Workers’ in SD-106 at 10:30 a.m., shining a spotlight on the harmful impact of age discrimination which is viewed as pervasive and damaging to the nation’s economy.  The intent of this hearing was to raise public awareness about how it results in the potential loss of legal rights of older workers through the legalese in employment contracts, requiring mandating arbitration.

According to a 2024 AARP survey, the vast majority of older workers have reported witnessing age discrimination. The survey found that 64% of older workers have either seen or experienced age discrimination in the workplace.  Additionally, the findings indicated that, more than 1 in 5 older Americans said that they worried that they were being pushed out of their job because of their age. This comes as Americans have started working later in life, with workers who are over 75 years old becoming the fastest growing age group in the workforce

After calling the hearing to order, Chairman Scott stated, “Age discrimination isn’t just wrong, it’s stupid. I’m a business guy, and I can tell you that looking at someone’s age instead of the value they bring to an organization makes no sense. You can’t run a business or government that way and we need to make sure it’s not happening to American seniors.”

Opening the hearing, Chairman Scott stressed that work provides purpose and fulfillment. “Having a purpose is an essential part of the American Dream, and it has long been an indicator of both mental and physical well-being across all age groups,” he said, noting that research findings indicate that “older workers who remain engaged, experience greater physical health, mental resilience, and life satisfaction.”

“We need to make sure Americans of all ages have the opportunity to work and pursue their dreams by stopping age discrimination and removing the red tape and barriers that hamper or discourage older Americans from continuing work or starting new businesses or careers,” Chairman Scott told the Senate Panel.

The economic and overall well-being of older Americans was at the center of the Sept. 3 hearing, which brought the issue of age discrimination in the workplace to the forefront with a growing number of older workers being denied employment, being passed over for promotions, or just being fired because of their age. The discussion, led by Ranking Member Gillibrand, took a close look at a major legal barrier for victims of age discrimination, the forcing of mandatory arbitration clauses in employment contracts.

“In a time when the population of older Americans is growing and many are returning to the workforce, we need to make sure that those who face age discrimination can have their day in court,” says Ranking Member Gillibrand in an opening statement. “Victims of age discrimination often can’t seek justice or accountability in court because of a forced arbitration clause that they signed when they were hired,” she said, noting that many of these individuals are not even aware that their employment contract contains  a forced arbitration clause.

According to Gillibrand, the contract “traps those who experience workplace discrimination in a system that advantages their employer — preventing them from seeking information that could help to prove their case. And victims are left in the hands of an extrajudicial arbitrator who is often selected by their employer and not always a trained lawyer,” she says.

At this hearing, witnesses also called this practice “fundamentally unfair” that suppresses age discrimination claims, favors employers and hides misconduct from the public, effecting blocking older workers from their seventh Amendment constitutional rights to a jury trial without their full consent.

Bill Restores Right to Sue for Discrimination

During the Senate panel hearing, Ranking Member Gillibrand called for the passage of a bipartisan legislative proposal, S. 2703, entitled the Protecting Older Americans Act, which she introduced alongside Sens. Lindsey Graham (R-SC), Dick Durbin (D-IL), and Chuck Grassley (R-IA) to protect seniors facing age discrimination at work. This common-sense legislation, introduced the day of the hearing and referred to the Senate Judiciary Committee, would invalidate forced arbitration clauses that prevent age discrimination victims from seeking justice and public accountability, ensuring that seniors can file their cases in court.

According to a statement released by Gillibrand, the bipartisan proposal would allow those who have experienced age discrimination the option to file their case in court if they choose, even if they previously signed a forced arbitration clause. It gives them a voice in the process and the ability to seek justice.

But, if employees decide, though, that they would like to pursue arbitration when they have faced age discrimination, they can. The point is that employees will now have a choice. The crux of the issue is that despite the fact that workplace age discrimination is categorically illegal, and that Congress has already passed laws to protect older Americans from it, forced arbitration clauses subvert justice, noted the statement.

Meanwhile, several witnesses drew parallels to the successful Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021, signed into law in 2022 by President Joe Biden, which ended forced arbitration in cases of sexual harassment and assault. They argued that fears of excessive litigation following its passage were unfounded. The discussion also identified other policy barriers facing older workers, pointing to the Social Security’s retirement earnings test, that was identified as a disincentive that discouraged older workers from remaining in the workforce.

Targeting Hidden Job Contract Barriers

The hearing, featuring testimony from expert witnesses, including representatives from the Washington, D.C. based AARP—the nation’s largest aging advocacy group with 35 million members—a former Fox News journalist, an academic, and a conservative policy foundation, emphasized the importance of creating equal opportunities for older workers, especially as the nation’s population continues to age and many choose to continue working later in life.

Witnesses at this hearing shared insights on the specific challenges faced by seniors in the workplace and discussed how employers, communities, and lawmakers can take action to protect older workers.

Throughout the hearing, lasting over an hour, these witnesses warned that age discrimination has become widespread and an economically damaging problem that financially and emotionally harms older Americans.  Older workers contributed positively to America’s businesses and to the economy by bringing their life-long work experience, and mentorship to younger workers to the workplace, they stressed.

“Talk to older job seekers and they’ll tell you they hear things in interviews like you’re overqualified. We’re looking for a digital native or a more energetic candidate. This is undermining the financial stability of too many capable Americans,” said Nancy LeaMond, Chief Advocacy and Engagement Officer for AARP.

LeaMond stressed that age discrimination was a pervasive issue, with nearly two-thirds of workers over 50 having seen or experienced it. She highlighted the severe economic consequences, noting it cost the U.S. economy $850 billion annually (a figure projected to reach nearly $4 trillion by 2050) and was particularly damaging for the many older Americans who lacked adequate retirement savings and needed to continue working.

Often because of necessity or choice, older Americans need to work, says LeaMond. Federal Reserve data indicated that 54% of households had no retirement savings, underscoring the financial need for many older Americans to work longer, she said.

The impact on losing a job for an older worker can be profound, notes LeaMond. She cited an Urban Institute Study that found that about half of workers in their early 50s experience involuntary job loss that sharply reduces earnings forcing them into long-term unemployment – something that older workers face at higher rates than younger peers.

While AARP endorses Ranking Member Gillibrand’s bipartisan proposal, S. 2703, she also called for passage of Senators Tammy Baldwin (D-WI) and Grassley bill (R-IA),  S. 1820, The Protecting Older Workers Against Discrimination Act. Representative Robert C. “Bobby” Scott  (D-VA) has introduced H. 3522, the House companion measure.

Witness David Horton, Professor of Law at the University of California, Davis, with a specialty in arbitration law and contracts, argued that forced employment arbitration in wrong doings, such as age discrimination, was not consensual, as employees had no real choice when accepting a job. “Studies confirm what our intuition tells us: workers are bombarded with information, their eyes glaze over at the legalese, and very few realize that they are surrendering their right to access the courts,” he testified.

Horton further explained that arbitration had systemic flaws that disadvantaged employees, such as the “repeat player” problem where arbitrators have a financial incentive to favor employers, and the inability to bring class-action claims. Horton, who holds the Fair Business Practices & Investor Advocacy Endowed Chair, concluded that forced arbitration’s purpose was not to resolve disputes, but to suppress them.

Meanwhile, witness Gretchen Carlson, a former Fox News journalist who is co-founder of the non-profit Lift Our Voices, shared her personal experience and her successful advocacy to pass the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act. She argued that the fears of a “slew” of lawsuits following that bill’s passage did not happen, and she believed the same would be true for the Protecting Older Americans Act. She framed the issue as a fundamental matter of the ”freedom of choice” and restoring workers’ Seventh Amendment right to a jury trial.

“In my unscientific study…over nine and a half years, “the vast majority say that when they’re forced into arbitration, never work in their chosen profession ever again… there’s a myriad of problems here, but to me, forced arbitration is the evil,” said Carlson.

Speaking Out Against Outdated Policies

Witness Rachel U. Greszler, Senior Research Fellow at the Heritage Foundation, focused on the older worker’s value and impact on the economy and society.  She identified public policies, primarily Social Security’s retirement earning test, calling it an outdated policy that would discourage work for older workers.  She also criticized regulations on independent contractors that limited flexible part-time work opportunities for older workers.

The testimony at this hearing, combining expert observations with personal stories, is intended to raise public awareness and increase political pressure on a divided Congress to act in protecting the legal rights of older workers from age discrimination hidden in the very fine print of employment contracts.

To watch the hearing, go to https://www.aging.senate.gov/hearings/protecting-older-americans-leveling-the-playing-field-for-older-workers