Tag Archives for Senate Permanent Special Committee on Aging

Senate Aging Committee tackles AI generated scams

Published in RINewsToday on January 8, 2024

Over two months ago, U.S. Senate Special Committee on Aging Chairman, Bob Casey (D-PA), put the spotlight on Artificial Intelligence (AI) driven fraud and scams. During the Nov. 16 hearing held in SD-106, “Modern Scams: How Scammers Are Using Artificial Intelligence & How We Can Fight Back,” the Senate panel highlighted the most common scams targeting seniors in 2023 with a focus on how scammers are using AI to create voice-clones and deep fakes to deploy scams and convince targets of their veracity. The hearing also explored how AI is being used to enhance fraud detection technology.

During the Senate panel hearing, lasting one hour and a half, Chairman Casey announced the Senate Aging Committee’s release of its annual Fraud Book, and brochure on AI-powered  scams and a bookmark featuring tips to avoid scams. Chairman Casey also noted he would approach the Federal Trade Commission (FTC) to request information about the agency’s work to track the use of AI scams targeted to older Americans.  On Dec. 5, Casey sent a letter to the FTC urging the agency to track AI scams.

Senate Panel Takes a Look at AI’s Good and Bad

“Today, we heard disturbing testimony about scammers using artificial intelligence to make their ploys more life-like and convincing,” said Chairman Casey in his opening remarks. “Any consumer, no matter their age, gender, or background, can fall victim  to these ultra-convincing scams, and the stories we heard today from individuals across the country are heartbreaking. As a parent and grandparent, I relate to the fear and concern these victims must feel. Federal action is needed to put up guardrails to protect consumers from AI—while also empowering those that can use it for good,” he said.

At the Senate Panel hearing, Ranking Member Mike Braun of Indiana warned that an increasing number of sophisticated fraudsters are carrying out AI attacks on seniors by utilizing voice-cloning and deepfakes to create images nearly identical to a real-live  person to dupe consumers into giving away valuable information and money.

“In context of frauds and scams, AI can be leverage negatively – but it can also be part of the solution,” says Braun.

According to Braun, the private sector has used AI and machine learning since the 1990s to combat fraud.  He called on the federal government to embrace similar technology by testing promising solutions to systems that suffer the most fraud, like Medicare.

Gary Schildhorn, a Philadelphia attorney told the Senate panel about his story of an attempted scam against him where his son’s voice was cloned by AI.  When he received a call that sounded like his son Brett, saying he had been in a car accident and needed $9,000 to post bail, he almost fell for the scam.

“There was no doubt in my mind that it was his voice on the phone—it was the exact cadence with which he speaks.  I sat motionless in my car just trying to process these events. How did they get my son’s voice? The only conclusion I can come up with is that they used artificial intelligence, or AI, to clone his voice…it is manifestly apparent that this technology… provide a risk-less avenue for fraudsters to prey on us,” says Schildhorn.

In his testimony, Steve Weisman, an Amherst attorney with Margolis, Bloom & D’Agostino who teaches white-collar crime at Bentley College in Waltham, pointed to the Federal Trade Commission’s Consumer Sentinel report for 2022, revealing that seniors reported more than $1.6 billion in losses to frauds and scams. But the actual amount could be as high as $48.4 billion, he says, because many were afraid to report losing money due to embarrassment or sham.

Seniors Tempting Target to AI Scammers

Seniors are the target of scammers because “that is where the money is,” notes Weisman, because they may have a “life time of accumulated savings that make them a tempting target for scammers.”

According to Weisman, AI has created additional opportunities for phone call scams,  because it can be used to remove foreign accents from scammers voices, making them appear more reliable.  AI created Robocall scripts can enable conversations with the scammer’s targeted victims, too.  Finally, AI cloning technology can make the targeted victim below they are talking to a loved one.

Weisman says that AI can be used by scammers to set up social media bots that appear to come from “real” people.  This allows them to create large numbers of believable bots to promote numerous scams, particularly involving cryptocurrency.

Scammers are now using AI technology more effectively in romance and family emergency scams, too, warns Weisman. 

AI can create fake profiles on multiple dating platforms, writing a grammatically correct biography, making it easier for scammers in foreign countries who are not familiar with speaking English. AI can also create photos or deepfakes for the profile, he says.

Weisman told the panel that AI generating software can create an audio voice that sounds exactly like that of the grandchild, using as little as 30 seconds worth of the grandchild’s voice.

Seeking a Balanced Approach

“The interplay of AI and scams brings forth both challenges and opportunities. Striking a careful balance between fostering AI innovations and protecting vulnerable populations is paramount,” says Dr. Tahir Ekin, of the San Marcus, Texas -based McCoy College of Business.

“In the fight against AI driven scams, awareness and AI literacy are crucial weapons,” says Ekin. “Existing efforts that educate seniors on safe digital practices, such as the work FTC Federal Advisory Council and the “Pass It On” campaign, can be enhanced to include AI related scams,” he says.

Tom Romanoff, Director, Technology at the Washington, DC-based Bipartisan Policy Center, stated, “As the good of this technology is being explored, we must acknowledge AI’s risks and seek a balanced approach, focusing on curtailing abuse while promoting positive uses and innovations.”

“As I stated in the beginning, we must tackle the abuse while driving toward positive application to safeguard its adoption,” says Romanoff.

To view the Senate Aging hearing, held on Nov. 16, go to: https://www.youtube.com/watch?v=7CMhzgQdz_I.

For a copy of Fighting Fraud: Top Scams in 2022,  go to https://www.aging.senate.gov/imo/media/doc/fraud_book_2023__english.pdf

America’s Seniors need House of Reps. to bring back Aging Committee

Published in RINewsToday on July 4, 2022

By Tom Spulak, Bob Weiner and Herb Weiss

With a backdrop of extensive media coverage of the ongoing Ukraine War, the Jan. 6th hearings, and covering the political postering of Republican and Democrats as the midterm elections approach (just 127 days from now), Congressman David Cicilline (D-RI) along with 50 Democratic cosponsors calls on the House of Representatives to pass his legislation, H. Res. 583, that would reestablish the House Select Committee on Aging, (HSCoA) and for Speaker Pelosi and Rules Committee Chairman Jim McGovern to schedule the necessary consideration in the House Rules Committee to enable floor action.

The Rhode Island Congressman’s effort has caught the attention of a group, including former Congressional staffers, the Leadership Council on Aging Organizations and the Strengthen Social Security Coalition (both representing over 100 million seniors age 50 and over), Execs of national aging groups, the Florida-based Claude Pepper Foundation, and a Rhode Island writer, who see the need to bring the investigative Special Committee back to put the spotlight on a myriad of aging issues that Congress must address.

Every day, 12,000 Americans turn 60. By 2030, nearly 75 million people in the U.S.—or 20 percent of the country—will be age 65 or older. “As America grows older, the need for support and services provided under programs like Social Security, SSI, Medicare, Medicaid and the Older Americans Act also increases,” and the need for re-establishing the House Selection Committee on Aging (HSCoA) becomes even more important.

The last two years have proven particularly difficult for older adults in our country as the coronavirus had a disparate impact on the lives of older Americans, particularly those residing in the 28,900 nation’s assisted living facilities and over 15,000 nursing homes.

Historically, the HSCoA, operational from1975 to 1993, served as a unique venue that allowed open, bipartisan debate from various ideological and philosophical perspectives to promote consensus that, in turn, helped facilitate the critical work of the standing committees. Addressing the needs of older Americans in a post-pandemic world will require this type of investigative, legislative oversight, work which can be advanced and promoted by reestablishing the HSCoA.

As Americans are aging, we also face a variety of intergenerational concerns that merit the investigation by the HSCoA, such as growing demands on family caregivers and a burgeoning retirement security crisis.

A restored HSCoA would have an opportunity to more fully explore a range of aging issues and innovations that cross Authorizing Committees of jurisdiction, while holding field hearings, convening remote hearings, engaging communities, and promoting understanding and dialogue. Having both would bring value to Congressional deliberations.

Today, the Senate Permanent Special Committee on Aging is working on everything from scams against seniors to increasing Home and Community Based Services (HCBS), to calling out questionable billing practices by private Medicare Advantage insurers. Seniors have been better off over the last 30 years with a Senate Aging Committee in existence — and the Senate investigative committee would benefit from a reestablished HSCoA, whose sole mission would be to look out for older Americans.

Older voters vote both Democratic and Republican. Although the Democrats created an array of federal programs, including Medicare, Medicaid, Social Security, and the Affordable Care Act, these doesn’t guarantee they vote for this party. Quite candidly, it’s close. In 2020, while Joe Biden won the popular vote by 7 million, Donald Trump won the senior vote 52% to 47%. It’s not a matter of party. Seniors’ quality of life is not political. Passage of H. Res. 583 would send a very clear message out to America’s older voters that Congress can successfully govern and create legislation to enhance the quality of life in their later years.

Over 30 years ago, Congressman Claude Pepper died. He was a great visible national advocate for America’s seniors. In his 80s, he chaired the HSCoA and later the House Rules Committee. As Chair of HSCoA, he passed landmark aging legislation, working closely with the House authorizing committees with jurisdiction over aging programs and services. His efforts put an end to mandatory retirement. Alzheimer’s became a household word because of the hearing of his investigative committee. Legislation was passed to enhance the quality of care in the nation’s nursing homes, even creating the National Institute’s for Health.

As newspapers in communities across the nation curtail or jettison their investigative teams, the initial HSCoA has a proven track record and reputation of investigating aging issues, and this is a sound reason as to why the investigative committee should again be reactivated.

Reestablishing the HSCoA would recognize Congressman Pepper, the nation’s most visible and effective spokesperson for seniors, and more importantly to seniors a seat at the “legislative table” as Congress deliberates and debate aging policy issues.

What a symbolic opportunity to have passed H. Res. 583 in May during Older Americans Month. Sadly, this did not happen. But Speaker Pelosi has an opportunity to use her leadership position to endorse the resolution to bring back the HSCoA before the midterm elections. And Congressman Cicilline must continually remind his House colleagues of this resolution’s importance to America’s seniors, each, and every chance he has — on the House floor, at Committee meetings, and in the hallowed halls of Congress.  With the support of the Democratic caucus, leadership will get the message that it’s time to act.  Now.

Tom Spulak, former staff director and General Counsel of the House Rules Committee when Claude Pepper was Chairman.

Bob Weiner is former staff director and confident to the late Congressman Pepper when he chaired the HSCoA.

Herb Weiss is a Pawtucket, RI-based writer who has covered aging, health care and medical issues for over 40 years, and writes this weekly column on aging issues for RINewsToday.com.