H.R. 2978 119th Congress House

GUARD Act

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.

Introduced: April 21, 2025 Introduced by: Zachary Nunn Republican · Iowa See on congress.gov

Crime and Law Enforcement Advanced technology and technological innovationsCongressional oversightCrime victimsCriminal investigation, prosecution, interrogation

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Employee hiringEmployment and training programsFraud offenses and financial crimesGovernment information and archivesIntergovernmental relationsLaw enforcement administration and funding

Everywhere this bill has been 13 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Sep 16, 2026

Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.

Sep 15, 2026 · 9:57 PM EDT

Motion to reconsider laid on the table Agreed to without objection.

Sep 15, 2026 · 9:57 PM EDT

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)

Sep 15, 2026 · 9:30 PM EDT

Considered as unfinished business. (consideration: CR H5822)

Sep 14, 2026 · 7:27 PM EDT

DEBATE - The House proceeded with forty minutes of debate on H.R. 2978.

Sep 14, 2026 · 7:43 PM EDT

At 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 · 7:27 PM EDT

Considered under suspension of the rules. (consideration: CR H5602-5605)

Sep 14, 2026 · 7:27 PM EDT

Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.

Jun 24, 2026

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.

May 13, 2026

Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.

May 13, 2026

Committee Consideration and Mark-up Session Held

Apr 21, 2025

Referred 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

Introduced in House

Votes taken on this bill 1

Date	Chamber	What was voted on	Result	Yes–No
Sep 15, 2026	House · vote #301	On Motion to Suspend the Rules and Pass, as Amended	Passed	414–7	See who voted →

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What's happening now September 16, 2026

Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.

Plain-English summary Congressional Research Service

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.

Hearings & markups 1

Various Measures
Markup May 13, 2026 · 10:00 AM EDT · Financial Services Committee

Related & companion bills 1

Bill text 3 versions

Engrossed in House Formatted Text PDF Formatted XML
Introduced in House Formatted Text PDF Formatted XML
Placed on Calendar Senate Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 2

Financial Services Committee
House of Representatives
Judiciary Committee
House of Representatives

Lobbying activity 51

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

INSURED RETIREMENT INSTITUTE
for INSURED RETIREMENT INSTITUTE · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
GOLDSTEIN POLICY SOLUTIONS LLC
for FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
GOLDSTEIN POLICY SOLUTIONS LLC
for FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)
GOLDSTEIN POLICY SOLUTIONS LLC
for FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)
GOLDSTEIN POLICY SOLUTIONS LLC
for FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · District of Columbia · 1st Quarter 2026 (Jan 1 - Mar 31)
HUNTINGTON BANCSHARES INCORPORATED
for HUNTINGTON BANCSHARES INCORPORATED · Ohio · 3rd Quarter 2026 (July 1 - Sep 30)

Bodies those filers lobbied

HOUSE OF REPRESENTATIVES
51 filings
SENATE
51 filings
Treasury, Dept of
24 filings
Internal Revenue Service (IRS)
18 filings
White House Office
17 filings
Federal Communications Commission (FCC)
14 filings
Consumer Financial Protection Bureau (CFPB)
13 filings
Federal Reserve System
13 filings

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 51 filings →

Cosponsors 54