Federal agencies that hand out emergency money—like disaster relief after a hurricane or pandemic aid—would have to create formal plans to catch fraud and stop mistaken payments before the money goes out the door. A White House budget office would write the rulebook agencies must follow, agencies would have a year to submit their plans, and those plans would get updated and checked at least every three years. In practice, this means more upfront screening and monitoring (like flagging suspicious payment patterns) aimed at reducing money wasted or stolen during emergency spending, with reports on how it's going sent to Congress every year.