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House bill · H.R. 2978 (119th Congress)

GUARD Act

U.S. House of Representatives

Latest action Sep 16, 2026

Sponsor: Zachary Nunn (U.S. Representative, IA-3, Republican)

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From Congress.gov and official rosters. This record was last updated Sep 23, 2026. About our data

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.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Passed one of the two chambers; it still needs the other.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

House Committee on Financial Services · U.S. House of Representatives

Also referred to House Committee on the Judiciary · U.S. House of Representatives, Senate Committee on the Judiciary · U.S. Senate.

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Cosponsors

Recorded votes

  • Vote: On Motion to Suspend the Rules and Pass, as Amended

    U.S. HouseSep 15, 2026Result: Passed

    (414) (7) (0) (12)

As identified by Congress.gov.

Full history

  1. Sep 16, 2026

    Sent to the executive

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

    U.S. Senate

  2. Sep 15, 2026

    Considered as Unfinished business. (consideration: cr H5822)

    Considered as unfinished business. (consideration: CR H5822)

  3. Sep 15, 2026

    Considered as Unfinished business. (consideration: cr H5822)

    Considered as unfinished business. (consideration: CR H5822)

  4. Sep 15, 2026

    Passed a chamber

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

  5. Sep 15, 2026

    Passed a chamber

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

Show full history (19 earlier events)
  1. Sep 15, 2026

    Passed a chamber

    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)

    U.S. House of Representatives

  2. Sep 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.

    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.

  3. Sep 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.

    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.

  4. Sep 14, 2026

    Debate - the House Proceeded With Forty Minutes of Debate on H.R. 2978.

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

    U.S. House of Representatives

  5. Jun 24, 2026

    Reported out of committee

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

  6. Jun 24, 2026

    In committee

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

    U.S. House

  7. Jun 24, 2026

    Reported out of committee

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

  8. Jun 24, 2026

    Reported out of committee

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

  9. May 13, 2026

    Committee vote

    Committee Consideration and Mark-up Session Held

  10. May 13, 2026

    Committee vote

    Committee Consideration and Mark-up Session Held

  11. May 13, 2026

    Committee vote

    Committee Consideration and Mark-up Session Held

  12. May 13, 2026

    Reported out of committee

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

  13. May 13, 2026

    Reported out of committee

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

  14. May 13, 2026

    Reported out of committee

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

  15. Oct 14, 2025

    Introduced

    Introduced in U.S. House

    U.S. House

  16. Apr 21, 2025

    Introduced

    Introduced in House

    U.S. House of Representatives

  17. Apr 21, 2025

    Referred to committee

    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.

  18. Apr 21, 2025

    Referred to committee

    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.

  19. Apr 21, 2025

    Referred to committee

    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.

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