The AI PLAN Act asks Treasury for a strategy against AI-enabled financial crime — one of only two bills at the calendar stage out of 120
H.R.2152, the AI PLAN Act, requires a strategy to defend against the economic and national security risks posed by the use of artificial intelligence in financial crimes, including fraud and the dissemination of misinformation. Introduced March 14, 2025, it was reported with an amendment on June 24, 2026 and placed on the Union Calendar as No. 615.
Bill overview (primary data)
- Bill numberH.R. 2152
- TypeHouse Bill
- Congress119th Congress
- Latest actionPlaced on the Union Calendar, Calendar No. 615.（2026-06-24）
Key points
- H.R.2152, the AI PLAN Act, requires a strategy against the use of AI in financial crimes including fraud and the dissemination of misinformation.
- The Secretary of the Treasury must produce it within 180 days of enactment and annually thereafter.
- Introduced March 14, 2025, reported with an amendment June 24, 2026, and placed on the Union Calendar as No. 615.
- Of the 120 bills this site holds as of 2026-09-02, only 2 have reached this stage; 94 (78 percent) remain referred to committee.
- The reporting amendment struck everything after the enacting clause, so the introduced text and the current shape differ.
1Putting fraud and misinformation together as financial crime
What stands out in how this bill is built is how it frames its subject. Crimes using artificial intelligence are usually discussed as separate techniques — impersonation, synthetic voice. This bill places fraud and the dissemination of misinformation together within financial crime and treats that as a risk to both economic and national security. Handling misinformation in a financial frame is what marks its angle.
2How far along the bill is
A bill does not advance merely by being introduced. Among the records this site holds as of 2026-09-02, 94 remain at the stage of referral to committee, 15 have been ordered reported, and 5 have moved to the other chamber. Only 2 have reached a calendar. This bill is one of those two, well up the staircase of deliberation.
3Fifteen months from introduction to report
Introduction was March 14, 2025; the committee report came June 24, 2026 — fifteen months apart. Six additional sponsors joined during that time, and the record shows a bill gathering support slowly. The report carried an amendment in the form of striking everything after the enacting clause and inserting the part printed in italic, meaning the substance was rewritten. Reading the introduced text alone does not show its current shape.
4What is required is a strategy
What the text directs is neither regulation nor prohibition but the production of a strategy: within 180 days of enactment by the Secretary of the Treasury, updated annually thereafter. Rather than imposing substantive regulation immediately, it makes the government take stock and put its approach on paper — a move Congress often reaches for in fields where the technology changes quickly.
Why it matters
A legislative pattern of requiring a strategy first rather than imposing regulation immediately. Treating fraud and misinformation together as financial crime is a useful frame when considering the scope of fraud controls at financial institutions.
FAQ
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Sources (primary)
Source: Congress.gov (Library of Congress; U.S. legislative materials, public domain). Links go to the official site.
- Congress.gov (bill page, original)
- H.R. 2152（119th Congress）