Guarding Unprotected Aging Retirees from Deception Act of 2026
- Introduced Apr 21
- Committee Apr 21
- Passed House Sep 15
- Passed Senate Next
- To President Not yet
- Law Not yet
Where it stands
Passed House, Sep 15, 2026Next: Senate vote
41d ago Sep 16, 2026: Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
Final votes
House 414-7
1 roll call on this bill
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2 companiesCompanies by sector
Financials 2
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Votes
House roll 301
On Motion to Suspend the Rules and Pass, as Amended
R 203-7 D 210-0 I 1-0
414-7
Passed
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Summary
Guarding Unprotected Aging Retirees from Deception Act of 2026 or the GUARD Act of 2026
Full summary3 paragraphs
This bill allows state, local, and tribal law enforcement agencies and grantees that receive funds from certain law enforcement grant programs to use the funds to investigate general financial fraud, elder financial fraud, and pig butchering. Pig butchering refers to a confidence and investment fraud in which a victim is gradually lured into transferring increasing amounts of money, generally in the form of cryptocurrency, into a fake virtual investment.
The bill allows federal law enforcement agencies to assist state, local, and tribal law enforcement agencies and fusion centers in the use of tracing tools for blockchain and related technology tools.
Finally, the bill requires the Financial Crimes Enforcement Network (FinCEN) to report on efforts to combat general financial fraud, elder financial fraud, pig butchering, and scams, including an evaluation of any legislative recommendations to improve the efforts. The bill also requires FinCEN to report on the state of general financial fraud, elder financial fraud, pig butchering, and scams in the United States, including trends in the crimes.
Library of Congress summary, Jun 24, 2026
Summary versions
- Reported to HouseJun 24, 2026
Actions
- SenateReceived in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.Sep 16, 2026
- HouseMotion to reconsider laid on the table Agreed to without objection.Sep 15, 2026
- HouseOn motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 414 - 7 (Roll no. 301). (text: CR H5602-5603)Sep 15, 2026
- HouseConsidered as unfinished business. (consideration: CR H5822)Sep 15, 2026
- HouseAt the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.Sep 14, 2026
- HouseDEBATE - The House proceeded with forty minutes of debate on H.R. 2978.Sep 14, 2026
- HouseConsidered under suspension of the rules. (consideration: CR H5602-5605)Sep 14, 2026
- HouseMs. De La Cruz moved to suspend the rules and pass the bill, as amended.Sep 14, 2026
- HouseReported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.Jun 24, 2026
- HouseCommittee Consideration and Mark-up Session HeldMay 13, 2026
- HouseOrdered to be Reported (Amended) by the Yeas and Nays: 52 - 0.May 13, 2026
- HouseIntroduced in HouseApr 21, 2025
All actions13
- HouseReferred to the Committee on the Judiciary, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.Apr 21, 2025
Bill record
Text versions3
- Placed on Calendar SenateSep 16, 2026PDF: Placed on Calendar Senate
- Engrossed in HouseSep 15, 2026PDF: Engrossed in House
- Introduced in HouseApr 21, 2025PDF: Introduced in House
Committees2
- House Financial Services CommitteeReported By Jun 24, 2026Markup By, May 13, 2026Referred To, Apr 21, 2025
- House Judiciary CommitteeReferred To Apr 21, 2025
Sponsor and cosponsors54 cosponsors
- Rep. Zachary Nunn (R-IA-3)Sponsor, Apr 21, 2025
- Josh Gottheimer (D-NJ-5)OriginalJoined Apr 21, 2025
- Scott Fitzgerald (R-WI-5)OriginalJoined Apr 21, 2025
- Troy Nehls (R-TX-22)Joined Aug 1, 2025
- Jefferson Shreve (R-IN-6)Joined Sep 15, 2025
- Barry Moore (R-AL-1)Joined Sep 26, 2025
- Daniel Meuser (R-PA-9)Joined Sep 26, 2025
- Roger Williams (R-TX-25)Joined Sep 26, 2025
- Sarah McBride (D-DE)Joined Sep 26, 2025
- Laura Gillen (D-NY-4)Joined Oct 14, 2025
- Josh Harder (D-CA-9)Joined Oct 24, 2025
- Eric Sorensen (D-IL-17)Joined Nov 17, 2025
- Julia Brownley (D-CA-26)Joined Nov 17, 2025
- Andy Barr (R-KY-6)Joined Nov 18, 2025
- Glenn Grothman (R-WI-6)Joined Nov 19, 2025
- John Mannion (D-NY-22)Joined Dec 9, 2025
- Maria Salazar (R-FL-27)Joined Dec 9, 2025
- George Whitesides (D-CA-27)Joined Dec 17, 2025
- Thomas Suozzi (D-NY-3)Joined Dec 17, 2025
- Derek Tran (D-CA-45)Joined Dec 18, 2025
- Gabe Vasquez (D-NM-2)Joined Dec 18, 2025
- David Valadao (R-CA-22)Joined Feb 10, 2026
- Robert Wittman (R-VA-1)Joined Feb 10, 2026
- Jefferson Van Drew (R-NJ-2)Joined Feb 20, 2026
- Jahana Hayes (D-CT-5)Joined Feb 23, 2026
- Susie Lee (D-NV-3)Joined Feb 23, 2026
- Tim Moore (R-NC-14)Joined Feb 23, 2026
- Troy Downing (R-MT-2)Joined Feb 23, 2026
- Marlin Stutzman (R-IN-3)Joined Feb 24, 2026
- Thomas Tiffany (R-WI-7)Joined Feb 24, 2026
- Michael Lawler (R-NY-17)Joined Mar 18, 2026
- Adam Smith (D-WA-9)Joined Apr 14, 2026
- Jennifer Kiggans (R-VA-2)Joined Apr 15, 2026
- Tracey Mann (R-KS-1)Joined Apr 21, 2026
- Angie Craig (D-MN-2)Joined Apr 22, 2026
- Julie Johnson (D-TX-32)Joined Apr 22, 2026
- Monica De La Cruz (R-TX-15)Joined Apr 23, 2026
- Suhas Subramanyam (D-VA-10)Joined Apr 23, 2026
- Ashley Hinson (R-IA-2)Joined May 11, 2026
- Julie Fedorchak (R-ND)Joined May 12, 2026
- Sean Casten (D-IL-6)Joined May 12, 2026
- George Latimer (D-NY-16)Joined May 13, 2026
- Ken Calvert (R-CA-41)Joined May 14, 2026
- Young Kim (R-CA-40)Joined May 14, 2026
- August Pfluger (R-TX-11)Joined May 19, 2026
- Timothy Kennedy (D-NY-26)Joined May 19, 2026
- Derek Schmidt (R-KS-2)Joined Jun 2, 2026
- Glenn Ivey (D-MD-4)Joined Jun 2, 2026
- Gabe Evans (R-CO-8)Joined Jun 3, 2026
- Gary Palmer (R-AL-6)Joined Jun 3, 2026
- Gabe Amo (D-RI-1)Joined Jun 4, 2026
- Burgess Owens (R-UT-4)Joined Jun 10, 2026
- Brett Guthrie (R-KY-2)Joined Sep 3, 2026
- Dave Min (D-CA-47)Joined Sep 3, 2026
- Maggie Goodlander (D-NH-2)Joined Sep 14, 2026
Amendments0
No amendments offered
Cost estimates and reports2
- CBO: H.R. 2978, GUARD Act of 2026Jun 18, 2026As ordered reported by the House Committee on Financial Services on May 13, 2026
- H. Rept. 119-709Committee report
Titles5
Short titles
- Guarding Unprotected Aging Retirees from Deception Act of 2026Short Title(s) from PCS (Placed on Senate Calendar) bill text
- GUARD Act of 2026Short Title(s) from PCS (Placed on Senate Calendar) bill text
- GUARD ActShort Title(s) as Passed House
- Guarding Unprotected Aging Retirees from Deception ActShort Title(s) as Passed House
Official titles
- To permit State, local, and Tribal law enforcement agencies that receive eligible Federal grant funds to use such funds for investigating elder financial fraud, pig butchering, and general financial fraud, and to clarify that Federal law enforcement agencies may assist State, local, and Tribal law enforcement agencies in the use of tracing tools for blockchain and related technology, and for other purposes.Official Title from EH (Engrossed in House) bill text
Subjects11
Policy area
Legislative subjects
Advanced technology and technological innovationsCongressional oversightCrime victimsCriminal investigation, prosecution, interrogationEmployee hiringEmployment and training programsFraud offenses and financial crimesGovernment information and archivesIntergovernmental relationsLaw enforcement administration and funding
Related bills1
- S. 2544 119th, Related bill, Related bill GUARD Act
Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 27, 2026.