Federal · 119th Congress
GUARD Act
Policy areaCrime and Law Enforcement
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.
Sponsor
Cosponsors54
Scott FitzgeraldRU.S. Representative · 5th District · WI
Josh GottheimerDU.S. Representative · 5th District · NJ
Troy E. NehlsRU.S. Representative · 22nd District · TX
Jefferson ShreveRU.S. Representative · 6th District · IN
Sarah McBrideDU.S. Representative · At-Large · DE
Daniel MeuserRU.S. Representative · 9th District · PA
Barry MooreRU.S. Representative · 1st District · AL
Roger WilliamsRU.S. Representative · 25th District · TX
Laura GillenDU.S. Representative · 4th District · NY
Josh HarderDU.S. Representative · 9th District · CA
Julia BrownleyDU.S. Representative · 26th District · CA
Eric SorensenDU.S. Representative · 17th District · IL12 of 54
Floor votes
Other titles5
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 as IntroducedOfficial Title from EH (Engrossed in House) bill text
GUARD ActShort Title(s) as IntroducedShort Title(s) as Passed House
Guarding Unprotected Aging Retirees from Deception ActShort Title(s) as IntroducedShort Title(s) as Passed House
GUARD Act of 2026Short Title(s) from PCS (Placed on Senate Calendar) bill text
Guarding Unprotected Aging Retirees from Deception Act of 2026Short Title(s) from PCS (Placed on Senate Calendar) bill text
Legislative history14
Sep 16, 2026
SenateReceived in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
Sep 15, 2026
House · FloorMotion to reconsider laid on the table Agreed to without objection.
Sep 15, 2026
House · Floor
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)Roll Call 301414–7
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Sep 15, 2026
House · FloorConsidered as unfinished business. (consideration: CR H5822)
Sep 14, 2026
House · FloorAt 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
House · FloorDEBATE - The House proceeded with forty minutes of debate on H.R. 2978.
Sep 14, 2026
House · FloorConsidered under suspension of the rules. (consideration: CR H5602-5605)
Sep 14, 2026
House · FloorMs. De La Cruz moved to suspend the rules and pass the bill, as amended.
Jun 24, 2026
House · CommitteeReported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
May 13, 2026
House · CommitteeOrdered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
May 13, 2026
House · CommitteeCommittee Consideration and Mark-up Session Held
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.
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Documents4
Texts