H.R. 2978: GUARD Act
A House bill (H.R.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | House bill (H.R.) |
| Originating chamber | House |
| Introduced | 2025-04-21 |
| Sponsor | Rep. Nunn, Zachary [R-IA-3] |
| Policy area | Crime and Law Enforcement |
| Cosponsors | 20 |
| Latest action | 2026-06-24 — Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I. |
| Last updated | 2026-07-21 |
Summary
Official summary (Reported to House, 2026-06-24):
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.
Cosponsors (20)
| Name | Party / state |
|---|---|
| Josh Gottheimer | D NJ (original cosponsor) 2025-04-21 |
| Scott Fitzgerald | R WI (original cosponsor) 2025-04-21 |
| Troy E. Nehls | R TX 2025-08-01 |
| Jefferson Shreve | R IN 2025-09-15 |
| Sarah McBride | D DE 2025-09-26 |
| Daniel Meuser | R PA 2025-09-26 |
| Roger Williams | R TX 2025-09-26 |
| Barry Moore | R AL 2025-09-26 |
| Laura Gillen | D NY 2025-10-14 |
| Josh Harder | D CA 2025-10-24 |
| Eric Sorensen | D IL 2025-11-17 |
| Julia Brownley | D CA 2025-11-17 |
| Andy Barr | R KY 2025-11-18 |
| Glenn Grothman | R WI 2025-11-19 |
| Maria Elvira Salazar | R FL 2025-12-09 |
| John W. Mannion | D NY 2025-12-09 |
| Thomas R. Suozzi | D NY 2025-12-17 |
| George Whitesides | D CA 2025-12-17 |
| Derek Tran | D CA 2025-12-18 |
| Gabe Vasquez | D NM 2025-12-18 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for H.R. 2978 are published by Congress on congress.gov.
View H.R. 2978 on congress.gov →
Frequently asked questions
What is H.R. 2978?
H.R. 2978 is a House bill (H.R.) introduced in the 119th U.S. Congress, originating in the House. Official title: GUARD Act.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for H.R. 2978 are available on congress.gov.
Bill data: congress.gov API (official congressional records).