# 119-hr-9668: STOP Senior Fraud Act

119-hr-9668, STOP Senior Fraud Act, is a 119th Congress bill sponsored by Rep. Davis, Donald G. [D-NC-1] (D-NC); status introduced; PRIA reads it as touching household money (as of 2026-09-17).

- Canonical: https://policyrisk.com/legislation/119-hr-9668
- As of: 2026-09-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9668
- Congress: 119
- Title: STOP Senior Fraud Act
- Status: introduced
- Introduced: 2026-07-14
- Sponsor: Rep. Davis, Donald G. [D-NC-1] (D-NC)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-17

## Summary

This bill would create a voluntary framework allowing financial institutions to temporarily delay suspicious disbursements to protect **older adults and vulnerable people from financial exploitation**. It sets hold lengths, notice and reporting rules, staff training requirements, and a legal safe harbor. - Older adults and vulnerable people could see suspect transactions paused up to 55 days, with a possible extension to 85 days after an internal review. - Account holders, authorized parties, and a designated trusted contact would get prompt notices when safe, and institutions must report suspected exploitation to state or local protective services, law enforcement, and a federal regulator within two business days. - Banks and other covered financial institutions must train staff on spotting and handling exploitation and get protection from liability for good-faith actions and required disclosures. - The Bureau of Consumer Financial Protection may issue rules to implement the system and more protective state or local laws remain in force.

## Cosponsors (3)

- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2026-07-14T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2026-07-30T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2026-09-15T00:00:00.000Z

## Provisions PRIA read

- Temporary holds to stop senior fraud: mixed, medium. If enacted, financial institutions would be allowed to refuse or temporarily delay transactions when they reasonably believe financial exploitation occurred, is occurring, or is being attempted. This would apply to accounts held by or on behalf of older adults (age 62+), vulnerable persons, or acco…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1227: Alternatives to PAIN Act

## Sources
- [119-hr-9668 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9668)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1227: Alternatives to PAIN Act](https://policyrisk.com/legislation/119-hr-1227)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9668 (as of 2026-09-17).