# 119-hr-10242: Janie Wynn Protecting Elders from Financial Exploitation Act

119-hr-10242, Janie Wynn Protecting Elders from Financial Exploitation Act, is a 119th Congress bill sponsored by Rep. Higgins, Clay [R-LA-3] (R-LA); status introduced; PRIA reads it as touching household money (as of 2026-09-13).

- Canonical: https://policyrisk.com/legislation/119-hr-10242
- As of: 2026-09-13
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10242
- Congress: 119
- Title: Janie Wynn Protecting Elders from Financial Exploitation Act
- Status: introduced
- Introduced: 2026-09-03
- Sponsor: Rep. Higgins, Clay [R-LA-3] (R-LA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-13

## Summary

**Mandatory fraud alerts for seniors** and required bank training would target elder financial exploitation tied to pre‑approved credit cards. The bill would require the Bureau of Consumer Financial Protection to issue a final rule within 180 days that sets alert and notification standards for card issuers and depository institutions. - Seniors and trusted contacts: Seniors would get a fraud alert when they activate a pre‑approved credit card, and they could designate a trusted contact age 25 or older, who must be a relative or explain their relationship, to also receive the alert. - Depository institutions and credit unions: Banks and credit unions would have to train employees who do fraud detection to spot signs of exploitation and notify the senior within 24 hours of suspicious account activity. Examples of triggers include gift‑card purchases over $100, ACH payments to new recipients, added authorized users, and other irregular withdrawals or charges. - Card issuers and waivers: Card issuers would need to send alerts that describe suspected exploitation and include how to contact the issuer at any time. Issuers may accept a signed waiver from the cardholder to skip notifying the trusted contact, but must retain that waiver for at least 5 years after the card is deactivated.

## Provisions PRIA read

- Fraud alerts and bank notices for seniors: benefit, medium. This bill would require the CFPB to issue a final rule within 180 days of enactment. Card issuers would have to send a fraud alert when a pre-approved credit card issued to a senior is activated. The alert would go to the senior and, unless the senior signs a waiver, to a person the senior names wh…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-5484: National Flood Insurance Program Reauthorization and Reform Act of 2025
- 119-hr-8324: Great American Healthcare Plan
- 119-hr-9200: Secure the Border Act of 2026
- 119-hr-9199: Permanent Trump Secure Border Act
- 119-hr-8206: Homeland Security and Further Additional Continuing Appropriations Act, 2026

## Sources
- [119-hr-10242 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10242)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-5484: National Flood Insurance Program Reauthorization and Reform Act of 2025](https://policyrisk.com/legislation/119-hr-5484)
- [119-hr-8324: Great American Healthcare Plan](https://policyrisk.com/legislation/119-hr-8324)
- [119-hr-9200: Secure the Border Act of 2026](https://policyrisk.com/legislation/119-hr-9200)
- [119-hr-9199: Permanent Trump Secure Border Act](https://policyrisk.com/legislation/119-hr-9199)
- [119-hr-8206: Homeland Security and Further Additional Continuing Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-8206)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10242 (as of 2026-09-13).