Contact Congress about H.R. 2978: GUARD Act

Police could use certain current federal grants to investigate elder fraud, online scams, and crypto scams. Federal agencies would also have to report more data to Congress on scams, losses, enforcement, and spending.

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GUARD Act is a House bill in committee. The latest recorded action: Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.

Latest action on H.R. 2978: Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.

Who this affects: This bill mainly affects police agencies that receive certain federal grants, especially those handling fraud against older adults or online scam victims. It also affects people targeted by financial scams, because local agencies may build more skill and capacity to investigate those cases. Banks, social media companies, email providers, phone companies, and other financial firms could also be asked for input as federal agencies study scam trends.

Why this matters: Financial scams can drain people’s savings, and many local police departments lack the tools to follow complex online or crypto cases. This bill could help agencies use existing grant money to build that skill. It could also give Congress better data on how scams work, how much money people lose, and what federal agencies are doing. The impact would depend on how agencies choose to use the grants and how much help federal agencies provide.

Key provisions in H.R. 2978

• State, local, and Tribal police could use certain existing federal grants to investigate financial fraud. This includes elder fraud, “pig butchering” scams, and other fraud cases.
• Grant money could pay for people and tools. That includes hiring staff, training specialists, buying software, improving data collection, and running exercises with financial institutions.
• Training could cover blockchain intelligence tools, which help follow crypto transactions. It could also cover emerging technologies named by the National Science and Technology Council.
• Police agencies that use the grants this way must report back within one year. They must explain spending, local fraud numbers, and whether the money helped them deter fraud.
• The Treasury Department and the Financial Crimes Enforcement Network must report to Congress within one year. They must work with Justice, Homeland Security, and financial regulators on fraud, pig butchering, elder fraud, and scams.

How Modern Action helps you take action on H.R. 2978

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 2978

What is H.R. 2978?

Police could use certain current federal grants to investigate elder fraud, online scams, and crypto scams. Federal agencies would also have to report more data to Congress on scams, losses, enforcement, and spending.

How do I support or oppose H.R. 2978?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 2978?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 2978 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.