GUARD Act
Sponsored By: Representative Nunn (IA)
Introduced
Summary
Strengthens local capacity to detect and stop elder financial fraud and modern scams. The GUARD Act would let State, local, and Tribal law enforcement use specified federal grant funds to investigate elder financial fraud, pig butchering, and other general financial fraud, and it would enable federal help with blockchain tracing and related tools.
Show full summary
- Seniors and vulnerable adults: Would fund investigations and victim assistance focused on elder financial fraud, pig butchering, and scams to improve response and case work.
- State, local, and Tribal law enforcement: Would authorize using eligible Department of Justice and related grant funds to hire analysts, agents, and experts. It would fund training on complex and transnational financial investigations, emerging technologies, and purchase of software and technical tools.
- Financial institutions and nonbank firms: Would support tabletop exercises, improved data collection, and designate a financial sector liaison to boost information sharing with banks and other firms.
- Federal oversight and coordination: Would require a Treasury and Financial Crimes Enforcement Network joint report within 1 year and another joint report within 2 years to Congress with estimates on scam incidence, losses, overseas actor involvement, enforcement actions, and agency spending. Public comments from consumers and industry would inform one report.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
More tools to fight elder and crypto scams
If enacted, State, local, and Tribal law enforcement could use listed DOJ grants to investigate elder, crypto (“pig butchering”), and other financial fraud. They could hire staff, buy software, improve data and reporting, and train on victim help and cross-agency work. Training could include blockchain intelligence tied to the February 2024 Critical and Emerging Technology List and transnational cases. Agencies could run exercises with banks, name a financial liaison, and would have to report within one year on use and results. Federal law enforcement could also give technical help and training on blockchain tracing tools.
Defines scams and eligible grant funds
If enacted, the bill would set clear definitions for “elder financial fraud,” “general financial fraud,” “scam,” and “pig butchering.” It would clarify that seniors and adults with disabilities are covered victims for these crimes. It would name which DOJ grant programs count as “eligible Federal grant funds.” “State” would include the 50 states, D.C., and U.S. territories.
Sponsors & CoSponsors
Sponsor
Nunn (IA)
IA • R
Cosponsors
Gottheimer
NJ • D
Sponsored 4/21/2025
Fitzgerald
WI • R
Sponsored 4/21/2025
Nehls
TX • R
Sponsored 8/1/2025
Shreve
IN • R
Sponsored 9/15/2025
McBride
DE • D
Sponsored 9/26/2025
Meuser
PA • R
Sponsored 9/26/2025
Williams (TX)
TX • R
Sponsored 9/26/2025
Moore (AL)
AL • R
Sponsored 9/26/2025
Gillen
NY • D
Sponsored 10/14/2025
Harder (CA)
CA • D
Sponsored 10/24/2025
Sorensen
IL • D
Sponsored 11/17/2025
Brownley
CA • D
Sponsored 11/17/2025
Barr
KY • R
Sponsored 11/18/2025
Grothman
WI • R
Sponsored 11/19/2025
Salazar
FL • R
Sponsored 12/9/2025
Mannion
NY • D
Sponsored 12/9/2025
Suozzi
NY • D
Sponsored 12/17/2025
Whitesides
CA • D
Sponsored 12/17/2025
Tran
CA • D
Sponsored 12/18/2025
Vasquez
NM • D
Sponsored 12/18/2025
Wittman
VA • R
Sponsored 2/10/2026
Valadao
CA • R
Sponsored 2/10/2026
Van Drew
NJ • R
Sponsored 2/20/2026
Downing
MT • R
Sponsored 2/23/2026
Lee (NV)
NV • D
Sponsored 2/23/2026
Hayes
CT • D
Sponsored 2/23/2026
Moore (NC)
NC • R
Sponsored 2/23/2026
Tiffany
WI • R
Sponsored 2/24/2026
Stutzman
IN • R
Sponsored 2/24/2026
Lawler
NY • R
Sponsored 3/18/2026
Roll Call Votes
No roll call votes available for this bill.
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