GUARD Act

What this measure contains

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.

The latest Congressional Research Service summary in the bill's GovInfo status record, or its official title when no summary has been published. Amendments can change the wording; read a specific version for its complete provisions.

Read the latest imported text

Bill text and versions

Drafts can change as a measure moves through Congress. Check the version attached to a recorded vote.

• Placed on Calendar Senate · Official document ↗· Sep 16, 2026
• Engrossed in House · Official document ↗· Sep 15, 2026
• Introduced in House · Official document ↗· Apr 21, 2025

Legislative path

Each stage below is a House or Senate floor decision: every recorded roll call on this measure, plus passage by voice vote or unanimous consent, which records no individual votes. Each stage shows the latest version published before that day; the chamber may have voted on an amended text. Roll calls name every member. A member's row follows their votes, and a highlighted vote marks where they voted for advancing the measure at one stage and against it at another (passage, cloture, motions to proceed, agreeing to the other chamber's version). Amendments and motions such as recommit or table don't count as a change, because an aye there isn't a vote for the measure.

1. Introduced in House
2. Engrossed in Houseby House suspend rules and pass
3. Placed on Calendar Senate

Decision stages

1. Sep 15, 2026 · House

   House suspend rules and pass on Introduced in House: Passed, reported as Engrossed in House

   414 aye · 7 no · 12 not voting · Source roll call

House members along the path

Aye yea or aye · No nay or no · Present · NV not voting · Changed reversed on advancing the measure

Members are identified by the Bioguide ID in each roll call, not by name. Not voting is not a no vote; a blank cell means the member wasn't listed for that roll call.Congress.gov actions ↗

Your lawmakers and participating residents.

Match an address to see your members of Congress' recorded votes on this bill. This address is used for matching and is not saved with a pilot response.

Legislative history

1. Apr 21, 2025

   Introduced in House

2. Apr 21, 2025

   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.

3. May 13, 2026

   Committee Consideration and Mark-up Session Held

4. May 13, 2026

   Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.

5. Jun 24, 2026

   Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.

6. Sep 14, 2026

   Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.

7. Sep 14, 2026

   Considered under suspension of the rules. (consideration: CR H5602-5605)

8. Sep 14, 2026

   DEBATE - The House proceeded with forty minutes of debate on H.R. 2978.

9. Sep 14, 2026

   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.

10. Sep 15, 2026

    Considered as unfinished business. (consideration: CR H5822)

11. Sep 15, 2026

    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)

12. Sep 15, 2026

    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)

13. Sep 15, 2026

    Motion to reconsider laid on the table Agreed to without objection.

14. Sep 16, 2026

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

Bill sponsors