H.R. 2978 · 119th Congress

GUARD Act

Introduced on Apr 21, 2025 by Zachary Nunn (R-IA-3). 54 cosponsors, 24 of them from another party. Latest action (Sep 16, 2026): Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.

Stage
Passed one chamber
Introduced
Apr 21, 2025
Cosponsors
54
24 from the other party
Policy area
Crime and Law Enforcement
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

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.

Subjects

  • Advanced technology and technological innovations
  • Congressional oversight
  • Crime victims
  • Criminal investigation, prosecution, interrogation
  • Employee hiring
  • Employment and training programs
  • Fraud offenses and financial crimes
  • Government information and archives
  • Intergovernmental relations
  • Law enforcement administration and funding

Summary

By the Congressional Research Service (Reported to House, Jun 24, 2026). Public domain.

Guarding Unprotected Aging Retirees from Deception Act of 2026 or the GUARD Act of 2026

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Zachary NunnR-IA-3Sponsor

Democrats · 24

Republicans · 30

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

  1. On Motion to Suspend the Rules and Pass, as Amended
    Sep 15, 2026· House· Passage· Passed 414–7

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Apr 21, 2025Introduced in House
  2. Apr 21, 2025Introduced in House
  3. Apr 21, 2025 · 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.
  4. Apr 21, 2025 · 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.
  5. May 13, 2026 · HouseCommittee Consideration and Mark-up Session Held
  6. May 13, 2026 · HouseOrdered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
  7. Jun 24, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
  8. Jun 24, 2026 · HouseReported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
  9. Sep 14, 2026 · HouseMs. De La Cruz moved to suspend the rules and pass the bill, as amended.
  10. Sep 14, 2026 · HouseConsidered under suspension of the rules. (consideration: CR H5602-5605)
  11. Sep 14, 2026 · HouseDEBATE - The House proceeded with forty minutes of debate on H.R. 2978.
  12. Sep 14, 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.
  13. Sep 15, 2026 · HouseConsidered as unfinished business. (consideration: CR H5822)
  14. Sep 15, 2026Passed/agreed to in House: On 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)House · Roll call 301
  15. 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)House · Roll call 301
  16. Sep 15, 2026 · HouseMotion to reconsider laid on the table Agreed to without objection.
  17. Sep 16, 2026 · SenateReceived in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. AARP5 reports
    $22.2M reported (all issues)
  2. CONSUMER BANKERS ASSOCIATION5 reports
    $4.6M reported (all issues)
  3. INSURED RETIREMENT INSTITUTE5 reports
    $940K reported (all issues)
  4. BLOCKCHAIN ASSOCIATION4 reports
    $1.5M reported (all issues)
  5. CAPITAL ONE FINANCIAL CORP.4 reports
    $5.7M reported (all issues)
  6. DEFI EDUCATION FUND2 reports
  7. National Taxpayers Union2 reports
    $60K reported (all issues)
  8. SOLANA POLICY INSTITUTE2 reports
    $1.2M reported (all issues)
  9. AMERICAN FINTECH COUNCIL1 report
    $110K reported (all issues)
  10. American Bankers Association1 report
    $3.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  11. CREDIT UNION NATIONAL ASSOCIATION, INC.1 report
    $1.3M reported (all issues)
  12. INDEPENDENT COMMUNITY BANKERS OF AMERICA1 report
    $2.2M reported (all issues)
  13. NATIONAL MULTIFAMILY HOUSING COUNCIL1 report
    $2.3M reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.