GUARD Act

Refreshed 2 h ago

Introduced 2025-04-21Topic: criminal justice · public safety · technology privacy

Summary

Summary by the 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.

Full text and official record on Congress.gov

Recorded votes

Date	Chamber	Question	Result	Yeas	Nays
2026-09-16	House roll 301	On Motion to Suspend the Rules and Pass, as Amended	Passed	414	7

Action history

Date	Chamber	Action	Status effect
2026-09-16	Senate	Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
2026-09-15	House	Motion to reconsider laid on the table Agreed to without objection.
2026-09-15	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)
2026-09-15		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)	floor pass
2026-09-15	House	Considered as unfinished business. (consideration: CR H5822)
2026-09-14	House	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.
2026-09-14	House	DEBATE - The House proceeded with forty minutes of debate on H.R. 2978.
2026-09-14	House	Considered under suspension of the rules. (consideration: CR H5602-5605)
2026-09-14	House	Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.
2026-06-24	House	Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.	report
2026-06-24		Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.	report
2026-05-13	House	Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.	refer
2026-05-13	House	Committee Consideration and Mark-up Session Held	refer
2025-04-21	House	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.	refer
2025-04-21	House	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.	refer
2025-04-21		Introduced in House	introduce
2025-04-21		Introduced in House	introduce

Summary

Sponsors

Recorded votes

Action history