Bill Sponsor
House Bill 2978
119th Congress(2025-2026)
GUARD Act
Active
Active
Passed House on Sep 15, 2026
Overview
Text
Bill Intelligence

The "Guarding Unprotected Aging Retirees from Deception Act" (GUARD Act) enables Federal grant funds usage for investigating elder financial fraud, pig butchering, and general financial fraud. It requires law enforcement agencies to report fund usage and impact, and mandates the creation of reports on the state of scams and enforcement actions against financial fraud. Additionally, the bill involves the assistance of Federal law enforcement agencies in using tracing tools for blockchain and related technology tools. The goal is to combat financial fraud against the elderly, sophisticated investment scams, and general financial fraud, and to enhance information sharing and resources for investigations and enforcement.

AI-generated from the bill text (Introduced in House)
This content was AI-generated from the text of the bill version Introduced in House (04/21/2025).
Bill Intelligence uses AI to analyze bill texts and other data. AI-generated content can contain mistakes, so the content should be reviewed for accuracy. This AI-generated content is not a replacement for reading the bill text.
If you spot anything that needs to be corrected, contact us at support@billsponsor.com or on social media.
Introduced
Apr 21, 2025
Latest Action
Sep 16, 2026
Origin Chamber
House
Type
Bill
Bill
The primary form of legislative measure used to propose law. Depending on the chamber of origin, bills begin with a designation of either H.R. or S. Joint resolution is another form of legislative measure used to propose law.
Bill Number
2978
Congress
119
Policy Area
Crime and Law Enforcement
Crime and Law Enforcement
Primary focus of measure is criminal offenses, investigation and prosecution, procedure and sentencing; corrections and imprisonment; juvenile crime; law enforcement administration. Measures concerning terrorism may fall under Emergency Management or International Affairs policy areas.
Sponsorship by Party
House Votes (1)
Senate Votes (0)
checkPassed on September 16, 2026
Question
On Motion to Suspend the Rules and Pass, as Amended
Status
Passed
Type
Roll Call Vote
Roll Call Vote
A vote that records the individual position of each Member who voted. Such votes occurring on the House floor (by the "yeas and nays" or by "recorded vote") are taken by electronic device. The Senate has no electronic voting system; in such votes, Senators answer "yea" or "nay" as the clerk calls each name aloud. Each vote is compiled by clerks and receives a roll call number (referenced in Congress.gov as a "Record Vote" [Senate] or "Roll no." [House]).
Roll Call Type
2/3 Yea-And-Nay
Roll Number
301
House Roll Call Votes
Yes
Alabama
Alabama
Yes
Alabama
Alabama
Yes
Alabama
Alabama
Didn't Vote
Alabama
Alabama
Yes
Alabama
Alabama
Didn't Vote
Alabama
Alabama
Yes
Alabama
Alabama
Alaska
Arizona
Arizona
Yes
Arizona
Arizona
Arizona
Yes
Arizona
Arizona
Yes
Arizona
Arizona
Yes
Arizona
Arizona
Yes
Arizona
Arizona
Yes
Arizona
Arizona
Yes
Arkansas
Arkansas
Yes
Arkansas
Arkansas
Yes
Arkansas
Arkansas
Didn't Vote
Arkansas
Arkansas
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Didn't Vote
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Didn't Vote
California
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Yes
California
California
Colorado
Yes
Colorado
Colorado
Yes
Colorado
Colorado
Yes
Colorado
Colorado
Yes
Colorado
Colorado
Yes
Colorado
Colorado
Yes
Colorado
Colorado
Yes
Colorado
Colorado
Yes
Connecticut
Connecticut
Yes
Connecticut
Connecticut
Yes
Connecticut
Connecticut
Yes
Connecticut
Connecticut
Yes
Connecticut
Connecticut
Yes
Delaware
Delaware
Yes
Florida
Florida
Florida
Yes
Florida
Florida
Didn't Vote
Florida
Florida
Florida
Didn't Vote
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Florida
Didn't Vote
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Florida
Florida
Yes
Florida
Florida
Florida
Didn't Vote
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Florida
Florida
Yes
Georgia
Georgia
Yes
Georgia
Georgia
Georgia
Yes
Georgia
Georgia
Didn't Vote
Georgia
Georgia
Yes
Georgia
Georgia
Yes
Georgia
Georgia
Yes
Georgia
Georgia
Yes
Georgia
Georgia
Yes
Georgia
Georgia
Yes
Georgia
Georgia
Georgia
Didn't Vote
Georgia
Georgia
Georgia
Yes
Hawaii
Hawaii
Hawaii
Yes
Idaho
Idaho
Yes
Idaho
Idaho
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
Yes
Indiana
Indiana
Yes
Indiana
Indiana
Yes
Indiana
Indiana
Indiana
Yes
Indiana
Indiana
Yes
Indiana
Indiana
Indiana
Yes
Indiana
Indiana
Yes
Indiana
Indiana
Iowa
Iowa
Iowa
Yes
Kansas
Kansas
Yes
Kansas
Kansas
Kansas
Yes
Kansas
Kansas
Yes
Kentucky
Kentucky
Yes
Kentucky
Kentucky
Yes
Kentucky
Kentucky
Yes
Kentucky
Kentucky
Yes
Kentucky
Kentucky
Yes
Kentucky
Kentucky
Yes
Louisiana
Louisiana
Yes
Louisiana
Louisiana
Yes
Louisiana
Louisiana
Yes
Louisiana
Louisiana
Yes
Louisiana
Louisiana
Yes
Louisiana
Louisiana
Maine
Yes
Maine
Maine
No
Maryland
Maryland
Maryland
Yes
Maryland
Maryland
Yes
Maryland
Maryland
Yes
Maryland
Maryland
Yes
Maryland
Maryland
Yes
Maryland
Maryland
Yes
Maryland
Maryland
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Massachusetts
Massachusetts
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Michigan
Michigan
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Minnesota
Minnesota
Yes
Mississippi
Mississippi
Yes
Mississippi
Mississippi
Yes
Mississippi
Mississippi
Yes
Mississippi
Mississippi
Yes
Missouri
Missouri
Yes
Missouri
Missouri
No
Missouri
Missouri
Yes
Missouri
Missouri
Yes
Missouri
Missouri
Yes
Missouri
Missouri
Yes
Missouri
Missouri
Yes
Missouri
Missouri
Yes
Montana
Montana
Yes
Montana
Montana
Yes
Nebraska
Nebraska
Yes
Nebraska
Nebraska
Yes
Nebraska
Nebraska
Yes
Nevada
Nevada
Yes
Nevada
Nevada
Nevada
Yes
Nevada
Nevada
Yes
New Hampshire
New Hampshire
Yes
New Hampshire
New Hampshire
Yes
New Jersey
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Jersey
New Jersey
Yes
New Mexico
New Mexico
Yes
New Mexico
New Mexico
New Mexico
New York
New York
Yes
New York
New York
Yes
New York
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
New York
Yes
New York
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
New York
New York
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Dakota
North Dakota
Yes
Ohio
Ohio
Yes
Ohio
Ohio
Ohio
Ohio
Yes
Ohio
Ohio
Ohio
Ohio
Ohio
Ohio
Yes
Ohio
Ohio
Ohio
Ohio
Ohio
Ohio
Yes
Oklahoma
Oklahoma
No
Oklahoma
Oklahoma
Yes
Oklahoma
Oklahoma
Yes
Oklahoma
Oklahoma
Yes
Oklahoma
Oklahoma
Oregon
Yes
Oregon
Oregon
Oregon
Yes
Oregon
Oregon
Oregon
Yes
Oregon
Oregon
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
Yes
Rhode Island
Rhode Island
Yes
Rhode Island
Rhode Island
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
No
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Dakota
South Dakota
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Texas
Texas
Texas
Texas
Yes
Texas
Texas
Yes
Texas
Texas
No
Texas
Texas
Texas
Yes
Texas
Texas
Yes
Texas
Texas
Texas
Yes
Texas
Texas
Texas
Texas
Texas
Yes
Texas
Texas
Texas
No
Texas
Texas
Yes
Texas
Texas
Texas
Texas
Yes
Texas
Texas
Texas
Texas
Texas
Texas
Texas
Yes
Texas
Texas
Texas
Yes
Texas
Texas
Texas
Texas
Texas
Yes
Texas
Texas
Texas
Texas
Yes
Texas
Texas
Utah
Utah
Utah
Utah
Yes
Vermont
Vermont
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Virginia
Virginia
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Virginia
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
West Virginia
West Virginia
Yes
West Virginia
West Virginia
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Didn't Vote
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Wyoming
Summary

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.

Text (3)
September 16, 2026
September 15, 2026
April 21, 2025
Actions (14)
09/16/2026
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
09/15/2026
Motion to reconsider laid on the table Agreed to without objection.
09/15/2026
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)
09/15/2026
Passed/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)
09/15/2026
Considered as unfinished business. (consideration: CR H5822)
09/14/2026
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.
09/14/2026
DEBATE - The House proceeded with forty minutes of debate on H.R. 2978.
09/14/2026
Considered under suspension of the rules. (consideration: CR H5602-5605)
09/14/2026
Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.
06/24/2026
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
05/13/2026
Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
05/13/2026
Committee Consideration and Mark-up Session Held
04/21/2025
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.
04/21/2025
Introduced in House
Public Record
Record Updated
Sep 22, 2026 5:38:23 AM