GUARD Act

Where it stands

1. Introduced Done · Apr 21, 2025
2. Committee Done · Apr 21, 2025
3. Passed House Done · Sep 15, 2026
4. Passed Senate Not yet
5. President Not yet
6. Law Not yet

From the official actions on Congress.gov.

Key points

What it changes

A plain-language summary isn't ready yet. The official summary below describes the bill.

Who it affects

A plain-language summary isn't ready yet. The official summary below describes the bill.

What it costs

No cost estimate yet.

Where it stands

Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627. (Sep 16, 2026)

What happens next

The Senate would need to pass it next.

Official 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 by the Congressional Research Service (Reported to House version), via Congress.gov. These are proposed provisions, not enacted law.

Recorded votes

1. HOUSEFinal passageSep 15, 2026 · roll call 301

   On Motion to Suspend the Rules and Pass, as Amended: Passed (414–7)

   This vote decided whether the bill passes this chamber.
   Votes by party

   How each party voted on roll call 301

   Party	Yes	No	Present	Did not vote	Share voting Yes
   Democratic	210	0	0	4
   Republican	203	7	0	8
   Independent	1	0	0	0

   Party totals from the official roll call.

   Office of the Clerk, U.S. House ↗ — includes how every member voted

Vote types come from the official question text. How we label votes

Legislative history

1. Sep 16, 2026Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
2. Sep 15, 2026Motion to reconsider laid on the table Agreed to without objection.
3. Sep 15, 2026On 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)
4. Sep 15, 2026Passed/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)
5. Sep 15, 2026Considered as unfinished business. (consideration: CR H5822)
6. Sep 14, 2026At 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.
7. Sep 14, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 2978.
8. Sep 14, 2026Considered under suspension of the rules. (consideration: CR H5602-5605)
9. Sep 14, 2026Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.
10. Jun 24, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
11. Jun 24, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
12. May 13, 2026Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
13. May 13, 2026Committee Consideration and Mark-up Session Held
14. Apr 21, 2025Referred 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.
15. Apr 21, 2025Referred 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.
16. Apr 21, 2025Introduced in House
17. Apr 21, 2025Introduced in House