Police get money to stop fraud against old people.
H.R. 2978 — GUARD Act · Filed by Zachary (Zach) Nunn (R-IA) · 54 cosponsors · Introduced Apr 21, 2025 · Passed chamber
Your members of Congress
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What it does
The bill lets police and tribal law enforcement use crime-fighting money to look into fraud. Fraud targets old people, disabled people, and digital coin scam victims. Federal police can help local police use blockchain tools to trace money. Police must report back about fraud they stopped and how they spent the money.
Who it affects
Old people, disabled people, and digital coin scam victims may get more help from police. Police departments and tribal law enforcement get money to hire investigators and buy tools.
One thing to notice
The bill requires police to report facts about fraud cases and results. This creates a new system to collect data about fraud across the country.
From the analysis of the bill text, linked under Primary records below.
Where it stands
54 cosponsors: 30 Republicans, 24 Democrats.
- Apr 21, 2025 — Introduced · Congress.gov: “Introduced in House”
- Apr 21, 2025 — Referred to House Committee on Financial Services and House Committee on the Judiciary · Congress.gov: “Referred to the Committee on the Judiciary, and in addition to the Committee on Financial Services, for a…”
- May 13, 2026 — Markup held in committee · Congress.gov: “Committee Consideration and Mark-up Session Held”
- May 13, 2026 — Reported out of committee · Congress.gov: “Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0”
- Sep 14, 2026 — Floor vote scheduled · Congress.gov: “Ms. De La Cruz moved to suspend the rules and pass the bill, as amended”
- Sep 15, 2026 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required)…”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
7 groups reported lobbying about this bill. They filed 9 reports from Dec 2025 to Jun 2026.
Those reports show $18,370,000 in lobbying spending. Each report lists about 24 bills. So that money was not all for this bill.
More groups named this bill than 86% of bills with any report.
Zachary (Zach) Nunn, who sponsored the bill, received $1,975,827 from PACs for the 2026 election.
- AARP — $5,300,000 in 1 report
- American Bankers Association — $3,510,000 in 1 report
- Capital One Financial Corporation — $2,950,000 in 2 reports
- National Multifamily Housing Council Inc — $2,330,000 in 1 report
- Independent Community Bankers of America — $2,170,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- fraud — When someone tricks a person into giving them money or personal information.
- blockchain — A digital record-keeping system used for digital coins that helps police trace where money went.
- tribal law enforcement — Police and investigators who work for Native American tribes.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (8,417 characters) on Jul 10, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,778 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-11-02.
“Police get money to stop fraud against old people.” QuorumCivic. https://share.quorumcivic.app/bill/119/hr2978/simple Report an error
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