# 119-hr-2978: GUARD Act

119-hr-2978, GUARD Act, is a 119th Congress bill sponsored by Rep. Nunn, Zachary [R-IA-3] (R-IA); status passed_house; PRIA reads it as touching household money (as of 2026-09-23).

- Canonical: https://policyrisk.com/legislation/119-hr-2978
- As of: 2026-09-23
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2978
- Congress: 119
- Title: GUARD Act
- Status: passed_house
- Introduced: 2025-04-21
- Sponsor: Rep. Nunn, Zachary [R-IA-3] (R-IA)
- Cosponsors: 54
- Policy area: Crime and Law Enforcement
- Touches household money: yes
- Last recorded action: 2026-09-23

## Summary

**Empower state, local, and Tribal law enforcement to use federal grant funds and digital tracing tools to fight elder financial fraud, pig butchering, and related scams.** The bill would let eligible agencies draw on named federal grant programs for training, personnel, technology, and coordination while demanding regular reporting on results and trends. - Seniors and households: Expands investigative resources for elder financial fraud and pig butchering by funding specialized training, technology, and liaison work to improve detection, recovery, and deterrence. - State, local, and Tribal law enforcement: Permits use of funds from specific programs such as the COPS Technology and Equipment Program, Justice Information Sharing Training and Technical Assistance, and other eligible grants for personnel, blockchain tracing tools, interoperable communications, and joint exercises. - Federal agencies and the financial sector: Authorizes federal agencies to assist non-federal partners and fusion centers with blockchain tracing tools. It also requires a Treasury and FinCEN cross-agency report within one year and a biennial state-of-scam report every two years, plus annual reporting from grant recipients to grantors and to Congress.

## Cosponsors (54)

- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-04-21T00:00:00.000Z
- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-04-21T00:00:00.000Z
- Rep. Nehls, Troy E. [R-TX-22] (R-TX), 2025-08-01T00:00:00.000Z
- Rep. Shreve, Jefferson [R-IN-6] (R-IN), 2025-09-15T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-09-26T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-09-26T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-09-26T00:00:00.000Z
- Rep. Moore, Barry [R-AL-1] (R-AL), 2025-09-26T00:00:00.000Z
- Rep. Gillen, Laura [D-NY-4] (D-NY), 2025-10-14T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-10-24T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-11-17T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-11-17T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-11-18T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2025-11-19T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-12-09T00:00:00.000Z
- Rep. Mannion, John W. [D-NY-22] (D-NY), 2025-12-09T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-12-17T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2025-12-17T00:00:00.000Z
- Rep. Tran, Derek [D-CA-45] (D-CA), 2025-12-18T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2025-12-18T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-02-10T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2026-02-10T00:00:00.000Z
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ), 2026-02-20T00:00:00.000Z
- Rep. Downing, Troy [R-MT-2] (R-MT), 2026-02-23T00:00:00.000Z
- Rep. Lee, Susie [D-NV-3] (D-NV), 2026-02-23T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2026-02-23T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2026-02-23T00:00:00.000Z
- Rep. Tiffany, Thomas P. [R-WI-7] (R-WI), 2026-02-24T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2026-02-24T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-03-18T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2026-04-14T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2026-04-21T00:00:00.000Z
- Rep. Kiggans, Jennifer A. [R-VA-2] (R-VA), 2026-04-15T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2026-04-22T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2026-04-22T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2026-04-23T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2026-04-23T00:00:00.000Z
- Rep. Hinson, Ashley [R-IA-2] (R-IA), 2026-05-11T00:00:00.000Z
- Rep. Fedorchak, Julie [R-ND-At Large] (R-ND), 2026-05-12T00:00:00.000Z
- Rep. Casten, Sean [D-IL-6] (D-IL), 2026-05-12T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2026-05-13T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2026-05-14T00:00:00.000Z
- Rep. Calvert, Ken [R-CA-41] (R-CA), 2026-05-14T00:00:00.000Z
- Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2026-05-19T00:00:00.000Z
- Rep. Pfluger, August [R-TX-11] (R-TX), 2026-05-19T00:00:00.000Z
- Rep. Schmidt, Derek [R-KS-2] (R-KS), 2026-06-02T00:00:00.000Z
- Rep. Ivey, Glenn [D-MD-4] (D-MD), 2026-06-02T00:00:00.000Z
- Rep. Evans, Gabe [R-CO-8] (R-CO), 2026-06-03T00:00:00.000Z
- Rep. Palmer, Gary J. [R-AL-6] (R-AL), 2026-06-03T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2026-06-04T00:00:00.000Z
- Rep. Owens, Burgess [R-UT-4] (R-UT), 2026-06-10T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2026-09-03T00:00:00.000Z
- Rep. Guthrie, Brett [R-KY-2] (R-KY), 2026-09-03T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2026-09-14T00:00:00.000Z

## Votes

| Date | Chamber | Question | Result | Yea | Nay |
| --- | --- | --- | --- | --- | --- |
| 2026-09-15T00:00:00.000Z | house | On Motion to Suspend the Rules and Pass, as Amended | Passed | 414 | 7 |

## Provisions PRIA read

- More tools for agencies to fight scams: benefit, medium. If enacted, State, local, and Tribal law enforcement would be able to use listed federal grants to investigate elder fraud, pig butchering, and other financial scams. They would be able to hire and retain analysts and investigators, train staff, and buy software and tracing tools. Training would in…
- New reports tracking scams and results: benefit, medium. If enacted, any agency or grantee that uses these federal funds would need to report within one year how much was spent, on what, local fraud statistics, and how the work changed those numbers. Each federal grantor agency would send Congress an annual roll-up of those reports. Treasury and FinCEN,…

## Related bills

- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-2102: Major Richard Star Act
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act

## Sources
- [119-hr-2978 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2978)

## Related
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2978 (as of 2026-09-23).