Who should I contact about HR2478?

Modern Action routes the drafted message to your House representative when that is the relevant target for this bill, using your address to confirm constituent status.

What does Modern Action include in the message about HR2478?

The draft includes the bill number, your position, the reasons you selected, any personal context you add, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes.

House Floor·Last action 205 days ago

Mutual funds could freeze withdrawals to stop scams targeting seniors

Q: How do I support or oppose HR2478?

Choose support, opposition, or changes. Modern Action uses that stance, the bill context, and any reasons you choose to draft a message you can review, edit, and send.

Officially: Financial Exploitation Prevention Act of 2025

If your mutual fund suspects someone is draining your account through fraud or pressure, they could pause the payout for up to 25 business days while they investigate. The rule applies to adults 65 and older or anyone with a mental or physical impairment, but only if the fund opts in. Funds must also ask you to name a trusted contact who can be reached if something looks wrong.

Use this page to support, oppose, or ask Congress to amend HR2478. Modern Action explains Financial Exploitation Prevention Act of 2025 in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can review before sending.

Where it stands

floor_pending

Your representatives are deciding where they stand. A few messages can tip the balance.

What this bill actually does

Applies to non-institutional accounts held directly with mutual funds and serviced by transfer agents — not brokerage accounts.
Participation is voluntary. The rules only kick in if a fund and its transfer agent formally opt in by notifying the SEC.
Participating funds must ask each account holder to name at least one adult trusted contact and explain in writing that this person may be contacted about possible exploitation.

↓ Why your message matters here

This bill is moving through Congress right now — your representative needs to hear from you.

Where your representatives stand

Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.

The debate

What people are saying about this bill

✓Arguments in support

Protects vulnerable investors: Supporters say the bill helps prevent financial losses from scams, which cost seniors billions each year.
Provides a critical investigation period: The bill allows up to 25 business days to investigate suspicious withdrawals, potentially stopping fraud before it's too late.
Encourages family involvement: By requiring a trusted contact, the bill ensures that family members can be quickly notified of suspicious activity.

✕Arguments against

Potential liquidity issues: Critics might worry that legitimate withdrawals could be delayed, causing inconvenience for account holders.
Implementation costs: There could be concerns about the costs for companies to implement these new procedures, even if participation is voluntary.
Limited scope: Some may argue that the bill doesn't go far enough in addressing all forms of financial exploitation.

Where this bill is in the process

Legislative timeline

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Introduced

Introduced in House

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House Committee

Under House committee consideration

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House Floor Vote

Voted on by House

Latest: Placed on the Union Calendar, Calendar No. 313. (11/4/2025)

NOV 4

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Passed House

Approved by House

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Senate Review

Sent to Senate for consideration

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Passed Both Chambers

Approved by both House and Senate

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Signed into Law

Signed by the President

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For more detail

Read deeper

Questions people ask about contacting Congress on HR2478

How do I support or oppose HR2478, Financial Exploitation Prevention Act of 2025?

Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can review, edit, and send.

Who does Modern Action contact about this bill?

Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.

What does Modern Action include in the message?

The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you review it before it sends.

Take action on HR2478: Financial Exploitation Prevention Act of 2025

This page is for understanding Financial Exploitation Prevention Act of 2025, choosing whether you support it, oppose it, or want changes. Modern Action drafts the message before it goes to Congress.

Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (floor pending), which office can still act, and what ask belongs in the message.

You are not starting from a blank form. Modern Action drafts the message around HR2478, your stance, and the reasons you choose, then leaves the final review and edits to you.

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