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.

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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

Sponsor+

Zachary (Zach) M. Nunn, R-IA-3

2 terms · @ZachNunn

Official website ↗

1410 Longworth House Office Building Washington DC 20515-1503 · 202-225-5476

Cosponsors (54)+

Josh Gottheimer, D-NJ-5Original cosponsor
Co-sponsored Apr 21, 2025 · 5 terms · @RepJoshG
Scott L. Fitzgerald, R-WI-5Original cosponsor
Co-sponsored Apr 21, 2025 · 3 terms · @RepFitzgerald
Troy E. Nehls, R-TX-22
Co-sponsored Aug 1, 2025 · 3 terms · @RepTroyNehls
Jefferson S. Shreve, R-IN-6
Co-sponsored Sep 15, 2025 · 1 term · @repshreve
Sarah E. McBride, D-DE-0
Co-sponsored Sep 26, 2025 · 1 term
Daniel Meuser, R-PA-9
Co-sponsored Sep 26, 2025 · 4 terms · @RepMeuser
Roger Williams, R-TX-25
Co-sponsored Sep 26, 2025 · 7 terms · @RepRWilliams
Barry Moore, R-AL-1
Co-sponsored Sep 26, 2025 · 3 terms · @RepBarryMoore
Laura A. Gillen, D-NY-4
Co-sponsored Oct 14, 2025 · 1 term · @RepLauraGillen
Josh Harder, D-CA-9
Co-sponsored Oct 24, 2025 · 4 terms · @RepJoshHarder
Eric Sorensen, D-IL-17
Co-sponsored Nov 17, 2025 · 2 terms · @RepEricSorensen
Julia Brownley, D-CA-26
Co-sponsored Nov 17, 2025 · 7 terms · @RepBrownley
Garland Barr, R-KY-6
Co-sponsored Nov 18, 2025 · 7 terms · @RepAndyBarr
Glenn Grothman, R-WI-6
Co-sponsored Nov 19, 2025 · 6 terms · @RepGrothman
Maria E. Salazar, R-FL-27
Co-sponsored Dec 9, 2025 · 3 terms · @RepMariaSalazar
John W. Mannion, D-NY-22
Co-sponsored Dec 9, 2025 · 1 term · @JohnMannionNY22
Thomas R. Suozzi, D-NY-3
Co-sponsored Dec 17, 2025 · 5 terms · @reptomsuozzi
George T. Whitesides, D-CA-27
Co-sponsored Dec 17, 2025 · 1 term · @Rep_Whitesides
Derek T. Tran, D-CA-45
Co-sponsored Dec 18, 2025 · 1 term
Gabriel (Gabe) Vasquez, D-NM-2
Co-sponsored Dec 18, 2025 · 2 terms · @RepGabeVasquez
Robert J. Wittman, R-VA-1
Co-sponsored Feb 10, 2026 · 10 terms · @RobWittman
David G. Valadao, R-CA-22
Co-sponsored Feb 10, 2026 · 6 terms · @RepDavidValadao
Jefferson Van Drew, R-NJ-2
Co-sponsored Feb 20, 2026 · 4 terms · @Congressman_JVD
Troy B. Downing, R-MT-2
Co-sponsored Feb 23, 2026 · 1 term · @reptroydowning
Susie Lee, D-NV-3
Co-sponsored Feb 23, 2026 · 4 terms · @RepSusieLee
Jahana Hayes, D-CT-5
Co-sponsored Feb 23, 2026 · 4 terms · @RepJahanaHayes
Tim K. Moore, R-NC-14
Co-sponsored Feb 23, 2026 · 1 term · @RepTimMooreNC
Thomas P. Tiffany, R-WI-7
Co-sponsored Feb 24, 2026 · 4 terms · @RepTiffany
Marlin A. Stutzman, R-IN-3
Co-sponsored Feb 24, 2026 · 5 terms · @RepStutzman
Michael V. Lawler, R-NY-17
Co-sponsored Mar 18, 2026 · 2 terms · @RepMikeLawler
Adam Smith, D-WA-9
Co-sponsored Apr 14, 2026 · 15 terms · @RepAdamSmith
Jennifer A. Kiggans, R-VA-2
Co-sponsored Apr 15, 2026 · 2 terms · @RepJenKiggans
Tracey R. Mann, R-KS-1
Co-sponsored Apr 21, 2026 · 3 terms · @RepMann
Angie Craig, D-MN-2
Co-sponsored Apr 22, 2026 · 4 terms · @RepAngieCraig
Julie E. Johnson, D-TX-32
Co-sponsored Apr 22, 2026 · 1 term · @RepJulieJohnson
Mónica De La Cruz, R-TX-15
Co-sponsored Apr 23, 2026 · 2 terms · @RepMonicaDLC
Suhas Subramanyam, D-VA-10
Co-sponsored Apr 23, 2026 · 1 term · @RepSuhas
Ashley Hinson, R-IA-2
Co-sponsored May 11, 2026 · 3 terms · @RepAshleyHinson
Julie A. Fedorchak, R-ND-0
Co-sponsored May 12, 2026 · 1 term · @RepFedorchak
Sean Casten, D-IL-6
Co-sponsored May 12, 2026 · 4 terms · @RepCasten
George S. Latimer, D-NY-16
Co-sponsored May 13, 2026 · 1 term · @RepGLatimer
Young O. Kim, R-CA-40
Co-sponsored May 14, 2026 · 3 terms · @RepYoungKim
Ken S. Calvert, R-CA-41
Co-sponsored May 14, 2026 · 17 terms · @KenCalvert
Timothy M. Kennedy, D-NY-26
Co-sponsored May 19, 2026 · 2 terms · @reptimkennedy
August L. Pfluger II, R-TX-11
Co-sponsored May 19, 2026 · 3 terms · @RepPfluger
Derek L. Schmidt, R-KS-2
Co-sponsored Jun 2, 2026 · 1 term · @repderekschmidt
Glenn F. Ivey, D-MD-4
Co-sponsored Jun 2, 2026 · 2 terms · @RepGlennIvey
Gabe Evans, R-CO-8
Co-sponsored Jun 3, 2026 · 1 term · @repgabeevans
Gary J. Palmer, R-AL-6
Co-sponsored Jun 3, 2026 · 6 terms · @USRepGaryPalmer
Gabe Amo, D-RI-1
Co-sponsored Jun 4, 2026 · 2 terms · @RepGabeAmo
Clarence Owens, R-UT-4
Co-sponsored Jun 10, 2026 · 3 terms · @RepBurgessOwens
Dave K. Min, D-CA-47
Co-sponsored Sep 3, 2026 · 1 term
Brett Guthrie, R-KY-2
Co-sponsored Sep 3, 2026 · 9 terms · @RepGuthrie
Maggie V. Goodlander, D-NH-2
Co-sponsored Sep 14, 2026 · 1 term · @RepGoodlander

Committees (2)+

Financial Services Committee
House Standing · Activity Jun 24, 2026
Judiciary Committee
House Standing · Activity Apr 21, 2025

Actions (17)+

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

Known as+

Guarding Unprotected Aging Retirees from Deception Act of 2026

IntroducedApr 21, 2025

Policy areaCrime and Law Enforcement

RelatedS. 2544

SourceView on Congress.gov ↗

Bill textRead full text →

Constitutional authority cited

[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]

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