The Romance Scam Prevention Act mandates that online dating service providers issue "fraud ban notifications" to their members. This requirement is triggered when a member has received a message from another individual who has been subsequently banned from the service due to a "fraud ban," meaning there's a significant risk they will attempt to obtain currency from other members through fraudulent means. The primary goal is to enhance user safety and combat romance scams.

Each fraud ban notification must be clear, conspicuous, and delivered via email, text message, or other consented communication methods. It must specify the username or profile identifier of the banned member and the most recent communication time between the two parties. Additionally, the notification must include a statement indicating that the banned member may have used a false identity or attempted to defraud members.

Crucially, the notification must contain a clear warning advising members not to send cash, other forms of currency, or personal financial information to other users. Providers are also required to include information on best practices to avoid online fraud and provide contact details for their customer service department. Online dating service providers are granted a safe harbor from liability for complying with these notification requirements.

Notifications are generally required within 24 hours of a fraud ban, though this can be extended to three days if the provider deems it necessary, or further delayed if requested by law enforcement for an ongoing investigation. The Federal Trade Commission is responsible for enforcing these provisions, treating violations as unfair or deceptive acts or practices under existing law. State Attorneys General can also bring civil actions to protect residents, but must notify the FTC, which retains the right to intervene.

The Act establishes a single national standard, preempting any state laws that would require, prohibit, or otherwise affect the manner of these specific fraud ban notifications. However, this preemption does not extend to state laws related to contracts or torts. The provisions of this Act are set to take effect one year after its enactment.