SKIM Act

The SKIM Act (HR 3810) increases penalties for fraud involving counterfeit access devices like credit cards. It requires the U.S. Sentencing Commission to raise fraud offense levels by 4 points (minimum level 14) and count all unauthorized charges from 10+ counterfeit devices toward total losses. The bill also mandates a 90-day report to Congress from the Attorney General and DHS, detailing law enforcement coordination, fraud technologies, assistance requests, and recommendations for combating such fraud. This directly affects federal courts (through sentencing changes), law enforcement agencies, and businesses vulnerable to access device fraud.