Who it affects
- State, local, and tribal law enforcement agencies
- Other recipients of certain law enforcement grants
- Federal law enforcement agencies and intelligence-sharing centers
- Financial Crimes Enforcement Network
Passed the HouseCrimeGovernment spendingCryptocurrency
Guarding Unprotected Aging Retirees from Deception Act of 2026
H.R. 2978 · House bill · Introduced April 21, 2025
The Guarding Unprotected Aging Retirees from Deception Act of 2026 would allow law enforcement grant recipients to use certain grants for financial fraud investigations and require federal reports.
At a glance
Where it stands
Passed the House 414 to 7 on Sept. 16.
How South Carolina voted
Lobbying and money
No lobbying reported yet
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
What it would do
- State, local, and tribal law enforcement agencies and other recipients could use certain grants for financial fraud investigations.
- Covered cases include elder financial fraud and scams that gradually lure victims into fake investments, usually using cryptocurrency.
- Federal law enforcement could assist these agencies and intelligence-sharing centers with cryptocurrency tracking and related tools.
- The Financial Crimes Enforcement Network would report on efforts to combat financial fraud and scams.
- That report would evaluate recommendations for changes to laws.
- The network would also report on these crimes and their trends in the United States.
Written with AI from the official summary by Congress's research office.
How South Carolina voted
House vote coverage is incomplete for 2025–2026. Vote and flagged-bill counts reflect imported records only; missing votes don't mean a member didn't vote.
House vote
Vote to pass
Fast-track vote that needs two-thirds
Sept. 16, 2026 · Passed 414 to 7
- Republicans
- 203 yes
- 7 no
- Democrats
- 210 yes
- 0 no
- Independents
- 1 yes
- 0 no
Groups that lobbied on it and gave to SC's members
PAC, lobbyist campaign and qualifying employee money this election, shown separately and never added together. Lobbying reports name the bills a group worked on, not which side it took.
No lobbying reported yet. Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
Official record
Official title, sponsor and status
- Official title
- 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.
- Sponsor
- Rep. Nunn, Zachary (R-IA)
- Introduced
- April 21, 2025
- Cosponsors
- 54
- Committees
- House Financial Services Committee; House Judiciary Committee
- Latest action
- Sept. 16, 2026 · Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 627.
Official summary from the Congressional Research Service
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 on Congress.gov ↗Everyone who lobbied on this bill (0 groups)
No lobbying report we have loaded names this bill. That doesn't mean no lobbying took place.
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published. Reports for October through December 2026 are due January 20, 2027.