H.R. 2978 · 119th Congress
Guarding Unprotected Aging Retirees from Deception Act of 2026
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54 cosponsors · 24 D, 30 R
2 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
- House Introduced Apr 21, 2025
- House Passed Sep 15, 2026 414–7
Guarding Unprotected Aging Retirees from Deception Act of 2026 or the GUARD Act of 2026
What it does: CRS summary · Reported to House · Jun 24, 2026
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.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
Votes to become law
About this bill and sources
Official title: GUARD Act
Also known as: GUARD Act of 2026; Guarding Unprotected Aging Retirees from Deception Act
Latest action (Sep 16, 2026): Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
Policy area: Crime and Law Enforcement · Origin: House · Introduced: Apr 21, 2025
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML) · Embed in your story
- House Introduced Apr 21, 2025
- House Passed Sep 15, 2026 414–7
Final vote · House · Sep 15, 2026
Passage (two-thirds required) — Passed. Vote details
Speaker of the House: Mike Johnson