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 bill text →

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SubjectsAdvanced technology and technological innovationsCongressional oversightCrime victimsCriminal investigation, prosecution, interrogationEmployee hiringEmployment and training programsFraud offenses and financial crimesGovernment information and archivesIntergovernmental relationsLaw enforcement administration and funding

XML scalars

congress: 119
type: HR
number: 2978
originChamber: House
originChamberCode: H
introducedDate: 2025-04-21
updateDate: 2026-09-22T05:38:23Z
updateDateIncludingText: 2026-09-22T05:38:23Z
title: GUARD Act
legislationUrl: https://www.congress.gov/bill/119th-congress/house-bill/2978

Constitutional authority statement (CDATA)

[Congressional Record Volume 171, Number 68 (Monday, April 21, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. NUNN of Iowa:H.R. 2978.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States ConstitutionTo make all Laws which shall be necessary and proper forcarrying into Execution the foregoing Powers, and all otherPowers vested by this Constitution in the Government of theUnited States, or in any Department or Officer thereof.[Page H1618]

Pipeline

Track

federal_presidential

Stage

Passed Chamber of Origin

Stage rank

Sponsor

Rep. Nunn, Zachary [R-IA-3] · [R-IA-3] · N000193
Rep-IA-3 current · 2 terms · @ZachNunn · 3 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide

N000193

status

current

official_full

Zachary Nunn

first

Zachary (Zach)

middle

Martin

last

Nunn

suffix

null

nickname

null

birthday

1979-05-04

gender

Current term (2 total)

type

rep

state

district

class

null

party

Republican

caucus

null

start

2025-01-03

end

2027-01-03

end_type

null

how

null

url

https://nunn.house.gov

address

1410 Longworth House Office Building Washington DC 20515-1503

office

1410 Longworth House Office Building

phone

202-225-5476

fax

null

contact_form

null

rss_url

null

Leadership roles (0)

none

Committee memberships (8)

Capital Markets (house) · house · rank 10
Commodity Markets, Digital Assets, and Rural Development (house) · house · rank 9
Digital Assets, Financial Technology, and Artificial Intelligence (house) · house · rank 9
General Farm Commodities, Risk Management, and Credit (house) · house · rank 11
House Committee on Agriculture (house) · house · rank 21 · site
House Committee on Financial Services (house) · house · rank 25 · site
House Select Committee on the Strategic Competition Between the United States and the Chinese Communist Party (house) · house · rank 13
National Security, Illicit Finance, and International Financial Institutions (house) · house · Vice Chairman · rank 2

Social media

Twitter: @ZachNunn
Facebook: @RepZachNunn
Instagram: @repzachnunn
YouTube: @UCHcM0qd2GQ2CbOHSGZ06rrA

District offices (3)

400 Locust Street, Suite 250, Des Moines, IA, 50309 · 515-400-8180 · 41.5868055,-93.6227464
208 W Taylor Street, Creston, IA, 50801 · 641-220-9093 · 41.0485919,-94.3633231
223 East Main Street, Ottumwa, IA, 52501 · 641-220-9641 · 41.0167539,-92.4106639

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id

H2IA03119

cycle

2026

name

NUNN, ZACH

party

REPUBLICAN PARTY

office

House

state

district

incumbent_challenge

Incumbent

candidate_status

active_through

2026

election_year

null

first_file_date

2021-07-13

last_file_date

2026-07-15

last_f2_date

2026-07-15

address

null

Candidate summary (candidate_summaries) · cycle 2026

cycle

2026

total_receipts

$4,869,248.80

total_disbursements

$1,353,712.80

cash_on_hand_end_period

$3,568,369.39

debts_owed_by_committee

$0.00

coverage_start_date

2025-01-01

coverage_end_date

2026-06-30

Connected committees (0)

none

Cosponsors (54)

Rep. Gottheimer, Josh [D-NJ-5] · [D-NJ-5] · G000583 · Co-sponsored 2025-04-21 · original
Dem-NJ-5 current · 5 terms · @RepJoshG · 7 district offices
Rep. Fitzgerald, Scott [R-WI-5] · [R-WI-5] · F000471 · Co-sponsored 2025-04-21 · original
Rep-WI-5 current · 3 terms · @RepFitzgerald · 1 district office
Rep. Nehls, Troy E. [R-TX-22] · [R-TX-22] · N000026 · Co-sponsored 2025-08-01
Rep-TX-22 current · 3 terms · @RepTroyNehls · 1 district office
Rep. Shreve, Jefferson [R-IN-6] · [R-IN-6] · S001229 · Co-sponsored 2025-09-15
Rep-IN-6 current · 1 term · @repshreve · 3 district offices
Rep. McBride, Sarah [D-DE-At Large] · [D-DE-0] · M001238 · Co-sponsored 2025-09-26
Dem-DE current · 1 term · 1 district office
Rep. Meuser, Daniel [R-PA-9] · [R-PA-9] · M001204 · Co-sponsored 2025-09-26
Rep-PA-9 current · 4 terms · @RepMeuser · 7 district offices
Rep. Williams, Roger [R-TX-25] · [R-TX-25] · W000816 · Co-sponsored 2025-09-26
Rep-TX-25 current · 7 terms · @RepRWilliams · 2 district offices
Rep. Moore, Barry [R-AL-1] · [R-AL-1] · M001212 · Co-sponsored 2025-09-26
Rep-AL-1 current · 3 terms · @RepBarryMoore · 5 district offices
Rep. Gillen, Laura [D-NY-4] · [D-NY-4] · G000602 · Co-sponsored 2025-10-14
Dem-NY-4 current · 1 term · @RepLauraGillen · 1 district office
Rep. Harder, Josh [D-CA-9] · [D-CA-9] · H001090 · Co-sponsored 2025-10-24
Dem-CA-9 current · 4 terms · @RepJoshHarder · 1 district office
Rep. Sorensen, Eric [D-IL-17] · [D-IL-17] · S001225 · Co-sponsored 2025-11-17
Dem-IL-17 current · 2 terms · @RepEricSorensen · 3 district offices
Rep. Brownley, Julia [D-CA-26] · [D-CA-26] · B001285 · Co-sponsored 2025-11-17
Dem-CA-26 current · 7 terms · @RepBrownley · 2 district offices
Rep. Barr, Andy [R-KY-6] · [R-KY-6] · B001282 · Co-sponsored 2025-11-18
Rep-KY-6 current · 7 terms · @RepAndyBarr · 1 district office
Rep. Grothman, Glenn [R-WI-6] · [R-WI-6] · G000576 · Co-sponsored 2025-11-19
Rep-WI-6 current · 6 terms · @RepGrothman · 1 district office
Rep. Salazar, Maria Elvira [R-FL-27] · [R-FL-27] · S000168 · Co-sponsored 2025-12-09
Rep-FL-27 current · 3 terms · @RepMariaSalazar · 3 district offices
Rep. Mannion, John W. [D-NY-22] · [D-NY-22] · M001231 · Co-sponsored 2025-12-09
Dem-NY-22 current · 1 term · @JohnMannionNY22 · 1 district office
Rep. Suozzi, Thomas R. [D-NY-3] · [D-NY-3] · S001201 · Co-sponsored 2025-12-17
Dem-NY-3 current · 5 terms · @reptomsuozzi · 2 district offices
Rep. Whitesides, George [D-CA-27] · [D-CA-27] · W000830 · Co-sponsored 2025-12-17
Dem-CA-27 current · 1 term · @Rep_Whitesides · 2 district offices
Rep. Tran, Derek [D-CA-45] · [D-CA-45] · T000491 · Co-sponsored 2025-12-18
Dem-CA-45 current · 1 term · 1 district office
Rep. Vasquez, Gabe [D-NM-2] · [D-NM-2] · V000136 · Co-sponsored 2025-12-18
Dem-NM-2 current · 2 terms · @RepGabeVasquez · 2 district offices
Rep. Wittman, Robert J. [R-VA-1] · [R-VA-1] · W000804 · Co-sponsored 2026-02-10
Rep-VA-1 current · 10 terms · @RobWittman · 2 district offices
Rep. Valadao, David G. [R-CA-22] · [R-CA-22] · V000129 · Co-sponsored 2026-02-10
Rep-CA-22 current · 6 terms · @RepDavidValadao · 2 district offices
Rep. Van Drew, Jefferson [R-NJ-2] · [R-NJ-2] · V000133 · Co-sponsored 2026-02-20
Rep-NJ-2 current · 4 terms · @Congressman_JVD · 1 district office
Rep. Downing, Troy [R-MT-2] · [R-MT-2] · D000634 · Co-sponsored 2026-02-23
Rep-MT-2 current · 1 term · @reptroydowning · 2 district offices
Rep. Lee, Susie [D-NV-3] · [D-NV-3] · L000590 · Co-sponsored 2026-02-23
Dem-NV-3 current · 4 terms · @RepSusieLee · 1 district office
Rep. Hayes, Jahana [D-CT-5] · [D-CT-5] · H001081 · Co-sponsored 2026-02-23
Dem-CT-5 current · 4 terms · @RepJahanaHayes · 1 district office
Rep. Moore, Tim [R-NC-14] · [R-NC-14] · M001236 · Co-sponsored 2026-02-23
Rep-NC-14 current · 1 term · @RepTimMooreNC · 1 district office
Rep. Tiffany, Thomas P. [R-WI-7] · [R-WI-7] · T000165 · Co-sponsored 2026-02-24
Rep-WI-7 current · 4 terms · @RepTiffany · 1 district office
Rep. Stutzman, Marlin A. [R-IN-3] · [R-IN-3] · S001188 · Co-sponsored 2026-02-24
Rep-IN-3 current · 5 terms · @RepStutzman · 1 district office
Rep. Lawler, Michael [R-NY-17] · [R-NY-17] · L000599 · Co-sponsored 2026-03-18
Rep-NY-17 current · 2 terms · @RepMikeLawler · 2 district offices
Rep. Smith, Adam [D-WA-9] · [D-WA-9] · S000510 · Co-sponsored 2026-04-14
Dem-WA-9 current · 15 terms · @RepAdamSmith · 1 district office
Rep. Kiggans, Jennifer A. [R-VA-2] · [R-VA-2] · K000399 · Co-sponsored 2026-04-15
Rep-VA-2 current · 2 terms · @RepJenKiggans · 3 district offices
Rep. Mann, Tracey [R-KS-1] · [R-KS-1] · M000871 · Co-sponsored 2026-04-21
Rep-KS-1 current · 3 terms · @RepMann · 2 district offices
Rep. Craig, Angie [D-MN-2] · [D-MN-2] · C001119 · Co-sponsored 2026-04-22
Dem-MN-2 current · 4 terms · @RepAngieCraig · 1 district office
Rep. Johnson, Julie [D-TX-32] · [D-TX-32] · J000310 · Co-sponsored 2026-04-22
Dem-TX-32 current · 1 term · @RepJulieJohnson · 1 district office
Rep. De La Cruz, Monica [R-TX-15] · [R-TX-15] · D000594 · Co-sponsored 2026-04-23
Rep-TX-15 current · 2 terms · @RepMonicaDLC · 8 district offices
Rep. Subramanyam, Suhas [D-VA-10] · [D-VA-10] · S001230 · Co-sponsored 2026-04-23
Dem-VA-10 current · 1 term · @RepSuhas · 1 district office
Rep. Hinson, Ashley [R-IA-2] · [R-IA-2] · H001091 · Co-sponsored 2026-05-11
Rep-IA-2 current · 3 terms · @RepAshleyHinson · 3 district offices
Rep. Fedorchak, Julie [R-ND-At Large] · [R-ND-0] · F000482 · Co-sponsored 2026-05-12
Rep-ND current · 1 term · @RepFedorchak · 2 district offices
Rep. Casten, Sean [D-IL-6] · [D-IL-6] · C001117 · Co-sponsored 2026-05-12
Dem-IL-6 current · 4 terms · @RepCasten · 2 district offices
Rep. Latimer, George [D-NY-16] · [D-NY-16] · L000606 · Co-sponsored 2026-05-13
Dem-NY-16 current · 1 term · @RepGLatimer · 2 district offices
Rep. Kim, Young [R-CA-40] · [R-CA-40] · K000397 · Co-sponsored 2026-05-14
Rep-CA-40 current · 3 terms · @RepYoungKim · 2 district offices
Rep. Calvert, Ken [R-CA-41] · [R-CA-41] · C000059 · Co-sponsored 2026-05-14
Rep-CA-41 current · 17 terms · @KenCalvert · 2 district offices
Rep. Kennedy, Timothy M. [D-NY-26] · [D-NY-26] · K000402 · Co-sponsored 2026-05-19
Dem-NY-26 current · 2 terms · @reptimkennedy · 2 district offices
Rep. Pfluger, August [R-TX-11] · [R-TX-11] · P000048 · Co-sponsored 2026-05-19
Rep-TX-11 current · 3 terms · @RepPfluger · 6 district offices
Rep. Schmidt, Derek [R-KS-2] · [R-KS-2] · S001228 · Co-sponsored 2026-06-02
Rep-KS-2 current · 1 term · @repderekschmidt · 2 district offices
Rep. Ivey, Glenn [D-MD-4] · [D-MD-4] · I000058 · Co-sponsored 2026-06-02
Dem-MD-4 current · 2 terms · @RepGlennIvey · 1 district office
Rep. Evans, Gabe [R-CO-8] · [R-CO-8] · E000300 · Co-sponsored 2026-06-03
Rep-CO-8 current · 1 term · @repgabeevans · 2 district offices
Rep. Palmer, Gary J. [R-AL-6] · [R-AL-6] · P000609 · Co-sponsored 2026-06-03
Rep-AL-6 current · 6 terms · @USRepGaryPalmer · 1 district office
Rep. Amo, Gabe [D-RI-1] · [D-RI-1] · A000380 · Co-sponsored 2026-06-04
Dem-RI-1 current · 2 terms · @RepGabeAmo · 1 district office
Rep. Owens, Burgess [R-UT-4] · [R-UT-4] · O000086 · Co-sponsored 2026-06-10
Rep-UT-4 current · 3 terms · @RepBurgessOwens · 1 district office
Rep. Min, Dave [D-CA-47] · [D-CA-47] · M001241 · Co-sponsored 2026-09-03
Dem-CA-47 current · 1 term · 1 district office
Rep. Guthrie, Brett [R-KY-2] · [R-KY-2] · G000558 · Co-sponsored 2026-09-03
Rep-KY-2 current · 9 terms · @RepGuthrie · 3 district offices
Rep. Goodlander, Maggie [D-NH-2] · [D-NH-2] · G000604 · Co-sponsored 2026-09-14
Dem-NH-2 current · 1 term · @RepGoodlander · 3 district offices

Committees (2)

Financial Services Committee [House Standing]
2026-06-24T19:01:26ZReported By
2026-05-13T15:49:00ZMarkup By
2025-04-21T16:01:20ZReferred To
Judiciary Committee [House Standing]
2025-04-21T16:01:15ZReferred To

Actions — from XML (17)

2026-09-16Calendarsvia Senate
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
2026-09-15 21:57:56FloorH38310via House floor actions
Motion to reconsider laid on the table Agreed to without objection.
2026-09-15 21:57:55FloorH37300via House floor actions
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)
VoteHouse roll 301 — source
2026-09-15 21:57:55Floor8000via Library of Congress
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)
VoteHouse roll 301 — source
2026-09-15 21:30:51FloorH30000via House floor actions
Considered as unfinished business. (consideration: CR H5822)
2026-09-14 19:43:16FloorH37220via House floor actions
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 19:27:33FloorH8D000via House floor actions
DEBATE - The House proceeded with forty minutes of debate on H.R. 2978.
2026-09-14 19:27:32FloorH30000via House floor actions
Considered under suspension of the rules. (consideration: CR H5602-5605)
2026-09-14 19:27:21FloorH30300via House floor actions
Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.
2026-06-24CommitteeH12200via House floor actions
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
2026-06-24Committee5000via Library of Congress
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
2026-05-13Committeevia House committee actions
Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
2026-05-13Committeevia House committee actions
Committee Consideration and Mark-up Session Held
2025-04-21IntroReferralH11100via House floor actions
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.
2025-04-21IntroReferralH11100via House floor actions
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.
2025-04-21IntroReferralIntro-Hvia Library of Congress
Introduced in House
2025-04-21IntroReferral1000via Library of Congress
Introduced in House

Actions — from bill_actions table (0)

none

Titles

Short Title(s) from PCS (Placed on Senate Calendar) bill textPCSS2026-09-22T05:38:23Z
Guarding Unprotected Aging Retirees from Deception Act of 2026
Short Title(s) from PCS (Placed on Senate Calendar) bill textPCSS2026-09-22T05:38:23Z
GUARD Act of 2026
Display Title2026-09-19T23:40:47Z
GUARD Act
Official Title from EH (Engrossed in House) bill textEHH2026-09-17T04:38:39Z
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.
Short Title(s) as Passed HouseEHH2026-09-17T04:38:39Z
GUARD Act
Short Title(s) as Passed HouseEHH2026-09-17T04:38:39Z
Guarding Unprotected Aging Retirees from Deception Act
Short Title(s) as IntroducedIH2025-05-07T04:23:16Z
Guarding Unprotected Aging Retirees from Deception Act
Short Title(s) as IntroducedIH2025-05-07T04:23:16Z
GUARD Act
Official Title as IntroducedIH2025-05-07T04:18:30Z
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.

Text versions (from XML)

Placed on Calendar Senate2026-09-16T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr2978pcs/xml/BILLS-119hr2978pcs.xml
Engrossed in House2026-09-15T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr2978eh/xml/BILLS-119hr2978eh.xml
Introduced in House2025-04-21T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr2978ih/xml/BILLS-119hr2978ih.xml

Versions — from bill_versions table (0)

none

Policy area

Crime and Law Enforcement

Summaries

07 · 2026-06-24 · Reported to House

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.

Related bills

S 2544 (119) GUARD Act
Latest: 2026-02-09 — Placed on Senate Legislative Calendar under General Orders. Calendar No. 317.
Relationship: Related bill (via CRS), Related bill (via House)

Amendments (0)

none

Laws

none

Committee reports

H. Rept. 119-709

Calendar number

null

CBO cost estimates

H.R. 2978, GUARD Act of 20262026-06-18T14:51:00Z
https://www.cbo.gov/publication/62536
As ordered reported by the House Committee on Financial Services on May 13, 2026

Latest action

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2026-09-16

Text

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

Time

null

Dublin Core

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rights

Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

contributor

Congressional Research Service, Library of Congress

description

This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

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GUARD Act

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Guarding Unprotected Aging Retirees from Deception Act of 2026

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Rep. Nunn, Zachary [R-IA-3]

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

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Crime and Law Enforcement

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