The bill
GUARD Act
HR. 2978, 119th Congress — read as touching Crypto & Fintech.
GUARD Act
Download PDFBill ID: 119/hr/2978
Last Updated: July 20, 2026
Sponsored by
Rep. Nunn, Zachary [R-IA-3]
ID: N000193
Follow the money
The sponsor
Rep. Nunn, Zachary [R-IA-3]
Every bill has someone who introduced it. That name is where the paper trail starts.
The money
$142,100 raised
24 itemised contributions to this sponsor, pulled from FEC filings.
Bill's Journey to Becoming a Law
Track this bill's progress through the legislative process
Latest Action
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-709, Part I.
June 23, 2026
Introduced
Committee Review
📍 Current Status
Next: The bill moves to the floor for full chamber debate and voting.
🗳️
Floor Action
✅
Passed House
🏛️
Senate Review
🎉
Passed Congress
🖊️
Presidential Action
⚖️
Became Law
📚 How does a bill become a law?
1. Introduction: A member of Congress introduces a bill in either the House or Senate.
2. Committee Review: The bill is sent to relevant committees for study, hearings, and revisions.
3. Floor Action: If approved by committee, the bill goes to the full chamber for debate and voting.
4. Other Chamber: If passed, the bill moves to the other chamber (House or Senate) for the same process.
5. Conference: If both chambers pass different versions, a conference committee reconciles the differences.
6. Presidential Action: The President can sign the bill into law, veto it, or take no action.
7. Became Law: If signed (or if Congress overrides a veto), the bill becomes law!
Bill Summary
[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 2978 Introduced in House (IH)]
<DOC>
119th CONGRESS 1st Session H. R. 2978
To permit State, local, and Tribal law enforcement agencies that receive eligible Federal grant funds to use such funds for investigating elder financial fraud, pig butchering, and general financial fraud, and to clarify that Federal law enforcement agencies may assist State, l...
Related Topics
Congressional Rules & ProceduresState & Local Government AffairsExecutive Branch Oversight
Generated using Llama 3.1 70B (Dr. Haus personality)
💰 Campaign Finance Network
Rep. Nunn, Zachary [R-IA-3]
Congress 119 • 2024 Election Cycle
Total Contributions
$142,100
21 donors
PACs
$0
Organizations
$10,100
Committees
$0
Individuals
$132,000
No PAC contributions found
1
SAC & FOX TRIBE OF THE MISSISSIPPI IN IOWA
$3,500
2
OTOE MISSOURIA TRIBE OF OKLAHOMA
$3,300
3
TURTLE MOUNTAIN BAND OF CHIPPEWA OF ND
$3,300
No committee contributions found
1
SMITH, JOHN M.
$13,200
2
SILVERMAN, JEFFREY
$13,200
3
EMMET, RICHARD
$6,600
4
WEEKLEY, RICHARD W.
$6,600
5
STERN, ELIZABETH
$6,600
6
RASMUSSEN, CYNTHIA
$6,600
7
RASMUSSEN, STEPHEN
$6,600
8
BELTRAME, MARC
$6,600
9
BRUCH, TYLER
$6,600
10
DANIELS, RONALD L.
$6,600
11
MYERS, JAMES M.
$6,600
12
SCHWARZMAN, CHRISTINE
$6,600
13
GILLIAM, RICHARD
$6,600
14
SINGER, PAUL
$6,600
15
BRADLEY, JACQUELINE
$6,600
16
RICKETTS, J. JOE
$6,600
17
UNDERWOOD, RUSS
$6,600
18
JONES, NORMAN
$6,600
Cosponsors & Their Campaign Finance
This bill has 10 cosponsors. Below are their top campaign contributors.
Rep. Gottheimer, Josh [D-NJ-5]
ID: G000583
Top Contributors
10
1
AMERICAN EXPRESS
OrganizationNEWARK, NJ
$22,941
Apr 12, 2024
2
AMERICAN EXPRESS
OrganizationNEWARK, NJ
$10,621
May 10, 2024
3
PAYROLL DATA PROCESSING
OrganizationTAMPA, FL
$6,337
May 15, 2024
4
PAYROLL DATA PROCESSING
OrganizationTAMPA, FL
$6,337
Apr 15, 2024
5
PAYROLL DATA PROCESSING
OrganizationTAMPA, FL
$6,337
Apr 30, 2024
6
PAYROLL DATA PROCESSING
OrganizationTAMPA, FL
$5,751
Apr 1, 2024
7
EASTERN BAND OF CHEROKEE INDIANS
OrganizationCHEROKEE, NC
$3,300
Oct 22, 2024
8
SEKAS LAW GROUP LLC
OrganizationENGLEWOOD CLIFFS, NJ
$1,500
Apr 12, 2024
9
SANDOR F. GENET & ASSOCIATES, P.A.
OrganizationNORTH MIAMI BEACH, FL
$250
Apr 12, 2024
10
FIRESTONE MILKEN, SARAH
NOT EMPLOYED • NOT EMPLOYED
IndividualPACIFIC PALISADES, CA
$13,200
Jul 2, 2024
Rep. Fitzgerald, Scott [R-WI-5]
ID: F000471
Top Contributors
10
1
HENDRICKS, DIANE M
ABC • OWNER
IndividualBELOIT, WI
$6,600
Jun 25, 2023
2
ROWAN, CAROLYN
CAROLYN ROWAN COLLECTION LLC • OWNER
IndividualGREENWICH, CT
$6,600
Aug 16, 2023
3
ROWAN, MARC J.
APOLLO GLOBAL • CEO
IndividualGREENWICH, CT
$6,600
Aug 16, 2023
4
SCHWARZMAN, STEPHEN
BLACKSTONE • CEO AND CHAIRMAN
IndividualNEW YORK, NY
$6,600
Nov 13, 2023
5
SCHMIDT, TIM
DELTA DEFENSE LLC • CEO
IndividualWEST BEND, WI
$6,600
Dec 10, 2023
6
SCHWARZMAN, CHRISTINE
RETIRED • RETIRED
IndividualNEW YORK, NY
$6,600
Nov 13, 2023
7
LEVY, EDWARD
EDWARD C. LEVY CO • CHAIRMAN
IndividualBIRMINGHAM, MI
$6,600
May 1, 2024
8
FOREST COUNTY POTAWATOMI COMMU, .
TRIBE • TRIBE
IndividualCRANDON, WI
$6,600
Jun 28, 2024
9
FISHER, SHERRILYN
PLANO 6500 LLC • MEMBER
IndividualPLANO, TX
$6,600
Jun 2, 2024
10
FISHER, KENNETH
FISHER INVESTMENTS • EXECUTIVE CHAIRMAN
IndividualPLANO, TX
$6,600
Jun 2, 2024
Rep. Nehls, Troy E. [R-TX-22]
ID: N000026
Top Contributors
10
1
ALABAMA-COUSHATTA TRIBE
COMLIVINGSTON, TX
$1,000
Sep 30, 2024
2
GONSOULIN, AL A
RETIRED • RETIRED
IndividualSUGAR LAND, TX
$6,600
Feb 26, 2024
3
FISHER, KENNETH
FISHER INVESTMENTS • EXECUTIVE CHAIRMAN
IndividualPLANO, TX
$6,600
May 23, 2024
4
FISHER, SHERRILYN
PLANO 6500 LLC • MEMBER
IndividualPLANO, TX
$6,600
May 23, 2024
5
MARCHELI, DANNY
CLEAR PAVE • PRESIDENT
IndividualRICHMOND, TX
$5,000
Sep 30, 2023
6
EMPARTIO, JOESPH
HERITAGE RANCH LLC • OWNER
IndividualRICHMOND, TX
$5,000
Sep 10, 2024
7
DOUDS, KENNETH
KBR BUILDERS • OWNER
IndividualSTAFFORD, TX
$5,000
Dec 3, 2024
8
GILL, EDWARD
RETIRED • RETIRED
IndividualHALLETTSVILLE, TX
$5,000
Dec 3, 2024
9
MARCHELI, DANIEL
CLEAR PAVE LLC • PRESIDENT
IndividualRICHMOND, TX
$5,000
Dec 3, 2024
10
DOUDS, ROBERT F JR.
SELF EMPLOYED • CONSTRUCTION
IndividualHOUSTON, TX
$5,000
Dec 3, 2024
Rep. Shreve, Jefferson [R-IN-6]
ID: S001229
Top Contributors
10
1
SASSO, APRIL
HOMEMAKER • HOMEMAKER
IndividualCARMEL, IN
$6,600
Oct 30, 2024
2
PONDER, JACQUELINE
BOWMAN FAMILY HOLDINGS • LAWYER
IndividualGREENWOOD, IN
$3,437
Oct 29, 2024
3
KING, CHRISTOPHER M.
RUNNEBOHM CONSTRUCTION, INC. • OWNER
IndividualSHELBYVILLE, IN
$3,300
Jun 7, 2024
4
CALDWELL, JORDAN
CALDWELL'S INC. • EXECUTIVE
IndividualSHELBYVILLE, IN
$3,300
Oct 20, 2024
5
DOPPELT, BRIAN
BAINBRIDGE COMPANIES • EXECUTIVE
IndividualBOCA RATON, FL
$3,300
Nov 5, 2024
6
KING, KYLIE A.
HOMEMAKER • HOMEMAKER
IndividualSHELBYVILLE, IN
$3,300
Oct 20, 2024
7
SASSO, RICK C.
INDIANA SPINE GROUP • PHYSICIAN
IndividualCARMEL, IN
$3,300
Nov 5, 2024
8
SCHUMACHER, AMY MAE
THE HERITAGE GROUP • CEO
IndividualCARMEL, IN
$3,300
Oct 22, 2024
9
MCALLISTER, CHRIS
TARBERT PROPERTIES LP • PARTNER
IndividualINDIANAPOLIS, IN
$3,300
Nov 5, 2024
10
ZINK, JAMES C.
ZINK DISTRIBUTING • CHAIRMAN / CEO
IndividualINDIANAPOLIS, IN
$3,300
Nov 2, 2024
Rep. McBride, Sarah [D-DE-At Large]
ID: M001238
Top Contributors
10
1
SOKOLA FOR SENATE
COMNEWARK, DE
$1,000
Dec 15, 2023
2
HPUL PROJECT OPERATIONS
OrganizationUPPER LAKE, CA
$3,300
Dec 30, 2023
3
ATLAS RESTAURANT GROUP LLC
OrganizationBALTIMORE, MD
$1,000
Jun 12, 2024
4
EASTERN SUSSEX DEMOCRATS
OrganizationLEWES, DE
$1,000
Jun 23, 2024
5
FRIENDS FOR HANSEN
OrganizationMIDDLETOWN, DE
$600
Oct 6, 2024
6
FRIENDS OF JULIAN CYR
OrganizationTRURO, MA
$500
Nov 4, 2024
7
FRIENDS OF JULIAN CYR
OrganizationTRURO, MA
$500
Apr 30, 2024
8
FRIENDS OF SHARIF STREET
OrganizationPHILADELPHIA, PA
$500
Jun 5, 2024
9
SC PAC
OrganizationWILMINGTON, DE
$500
Sep 10, 2024
10
SC PAC
OrganizationWILMINGTON, DE
$500
Oct 11, 2024
Rep. Meuser, Daniel [R-PA-9]
ID: M001204
Top Contributors
10
1
PRIDE MOBILITY PRODUCTS CORP
OrganizationDURYEA, PA
$2,500
Sep 18, 2024
2
COTLER, YUDACUFSKI, HUEBNER
OrganizationSAINT CLAIR, PA
$1,000
Apr 23, 2024
3
DOWD, JOHN J
SUNDANCE VACATIONS • PRESIDENT
IndividualLEHIGHTON, PA
$6,600
Mar 25, 2024
4
PEYKOFF, ANDY
NIAGARA BOTTLING, LLC • CEO
IndividualLAS VEGAS, NV
$6,600
Mar 22, 2024
5
DOWD, JOHN J
SUNDANCE VACATIONS • PRESIDENT
IndividualLEHIGHTON, PA
$6,600
Sep 18, 2024
6
ROWAN, MARC J
APOLLO MANAGEMENT • MANAGEMENT
IndividualGREENWICH, CT
$6,600
Aug 23, 2023
7
ROWAN, CAROLYN
CAROLYN ROWAN COLLECTION • OWNER
IndividualGREENWICH, CT
$6,600
Aug 23, 2023
8
RICH, BRIAN R MR. JR
GILBERTON COAL CO. • EXECUTIVE SALES
IndividualCONSHOHOCKEN, PA
$6,600
Oct 24, 2024
9
VOLPE, ELLEN M
SELF • HOMEMAKER
IndividualWAVERLY TOWNSHIP, PA
$5,800
May 31, 2023
10
VOLPE, CHARLES J
EXCALIBUR INSURANCE MGMT • PRESIDENT
IndividualWAVERLY TOWNSHIP, PA
$5,800
May 31, 2023
Rep. Williams, Roger [R-TX-25]
ID: W000816
Top Contributors
10
1
POARCH BANK OF CREEK INDIANS
OrganizationATMORE, AL
$3,300
Dec 2, 2024
2
FORD, GERALD J. MR.
DIAMOND-A CORPORATION • BANKER
IndividualDALLAS, TX
$6,600
Jan 10, 2024
3
PRINCE, ZAN MRS.
SELF EMPLOYED • INSURANCE AGENT
IndividualWEATHERFORD, TX
$6,600
Mar 30, 2023
4
WOODARD, DONALD M. MR. JR.
WESTERN COMMERCE GROUP • FINANCE
IndividualFORT WORTH, TX
$6,600
Mar 5, 2024
5
CARVALHO, ANNE MARIE MRS.
RETIRED • RETIRED
IndividualFORT WORTH, TX
$6,600
May 5, 2023
6
ROWAN, CAROLYN
SELF EMPLOYED • FASHION DESIGNER
IndividualNEW YORK, NY
$6,600
Apr 19, 2023
7
ROWAN, MARC
APOLLO GLOBAL MANAGEMENT • CHIEF EXECUTIVE OFFICER
IndividualNEW YORK, NY
$6,600
Apr 19, 2023
8
DUNIGAN, MIKE MR.
MIKE DUNIGAN RARE COINS • OWNER
IndividualFORT WORTH, TX
$6,000
Mar 5, 2024
9
LOWRANCE, DAN E. MR.
RETIRED • RETIRED
IndividualFORT WORTH, TX
$5,000
Oct 31, 2023
10
NICHOLS, THOMAS B. MR.
U.S. POLYCO • PRESIDENT
IndividualSPARKS, NV
$5,000
Feb 10, 2023
Rep. Moore, Barry [R-AL-1]
ID: M001212
Top Contributors
10
1
WINRED TECHNICAL SERVICES
OrganizationARLINGTON, VA
$3,300
Sep 30, 2023
2
ENTERPRISE TARPAULIN PRODUCTS, INC.
OrganizationENTERPRISE, AL
$3,300
Aug 9, 2023
3
WINRED TECHNICAL SERVICES
OrganizationARLINGTON, VA
$3,300
Jul 16, 2023
4
WINRED TECHNICAL SERVICES
OrganizationARLINGTON, VA
$3,300
Jul 16, 2023
5
NORTH MONTGOMERY MATERIALS LLC
OrganizationMILLBROOK, AL
$3,300
Sep 11, 2023
6
PROFESSIONAL MEDICAL ASSOCIATES, P.C.
OrganizationENTERPRISE, AL
$3,300
Aug 21, 2023
7
SOUTHLAND STRUCTURAL LLC
OrganizationFLORALA, AL
$3,300
Aug 22, 2023
8
WATSON GLASS
OrganizationENTERPRISE, AL
$3,300
Sep 13, 2023
9
WATSON GLASS
OrganizationENTERPRISE, AL
$3,300
Sep 13, 2023
10
ARGUTA RESOURCES, LLC
OrganizationEUFAULA, AL
$2,500
Aug 2, 2023
Rep. Gillen, Laura [D-NY-4]
ID: G000602
Top Contributors
10
1
RALLYE MOTORS
OrganizationROSLYN, NY
$6,000
Jul 18, 2023
2
RALLYE MOTORS
OrganizationROSLYN, NY
$6,000
Jun 5, 2023
3
FEDERATED INDIANS OF GRATON RANCHERIA
OrganizationROHNERT PARK, CA
$1,000
Aug 1, 2024
4
STONE, JAMES M
PLYMOUTH ROCK COMPANY, INC. • EXECUTIVE
IndividualBOSTON, MA
$5,000
Oct 16, 2024
5
FAIVUS, HARRY E
SELF-EMPLOYED • OPHTHALMOLOGIST
IndividualNEW YORK, NY
$5,000
Nov 1, 2024
6
STONE, JAMES M
PLYMOUTH ROCK COMPANY, INC. • EXECUTIVE
IndividualBOSTON, MA
$5,000
Oct 16, 2024
7
HELFER, RICKI
N/A • NOT EMPLOYED
IndividualWASHINGTON, DC
$4,000
Sep 10, 2024
8
ANDEER, KYLE
APPLE INC • ATTORNEY
IndividualSAN FRANCISCO, CA
$3,300
Mar 27, 2024
9
BINDER, CHARLES
SELF-EMPLOYED • ATTORNEY
IndividualNEW YORK, NY
$3,300
Mar 21, 2024
10
BURNSTEIN, CLIFFORD
Q PRIME • MANAGER
IndividualNEW YORK, NY
$3,300
Mar 28, 2024
Rep. Harder, Josh [D-CA-9]
ID: H001090
Top Contributors
10
1
SHAKOPEE MDEWAKANTON SIOUX COMMUNITY
OrganizationPRIOR LAKE, MN
$1,650
Jun 26, 2023
2
SHAKOPEE MDEWAKANTON SIOUX COMMUNITY
OrganizationPRIOR LAKE, MN
$1,650
Jun 18, 2024
3
CHICKASAW NATION
OrganizationADA, OK
$1,000
Sep 30, 2023
4
SANTA YNEZ BAND OF MISSION INDIANS
OrganizationSANTA YNEZ, CA
$1,000
Oct 31, 2024
5
SANTA YNEZ BAND OF MISSION INDIANS
OrganizationSANTA YNEZ, CA
$1,000
Nov 7, 2024
6
MIRANDA, LAUREL
NOT EMPLOYED • NOT EMPLOYED
IndividualATHERTON, CA
$6,600
Feb 7, 2023
7
ELSON, DAVID
UNITED STAFFING ASSOCIATES • CEO
IndividualLAS VEGAS, NV
$6,600
Aug 16, 2023
8
GOODMAN, COREY
VENBIO PARTNERS LLC • LIFE SCIENCES VENTURE CAPITAL MANAGING
IndividualMARSHALL, CA
$6,600
Aug 29, 2023
9
SCHMIDT, ERIC
HILLSPIRE LLC • MANAGER
IndividualPALO ALTO, CA
$6,600
Aug 16, 2023
10
BROWN, SHELLEY
NOT EMPLOYED • NOT EMPLOYED
IndividualLOS ALTOS HILLS, CA
$6,600
Aug 19, 2023
Donor Network - Rep. Nunn, Zachary [R-IA-3]
PACs
Organizations
Individuals
Politicians
Hub layout: Politicians in center, donors arranged by type in rings around them.
Loading...
Showing 75 nodes and 39 connections (57 secondary connections hidden)
Total contributions: $234,636
Top Donors - Rep. Nunn, Zachary [R-IA-3]
Showing top 21 donors by contribution amount
3 Orgs18 Individuals
Industry Impact
Which industries are materially affected by specific provisions in this bill. 4 helped.
- +Crypto & Fintechconfidence 0.90
Section 3(a)(3) allows grant funds to be used for obtaining software and technical tools to conduct financial fraud investigations, including blockchain intelligence tools (Section 3(a)(2)(C)). Section 7 clarifies that Federal law enforcement agencies may assist State, local, and Tribal law enforcement in the use of tracing tools for blockchain and related technology. This benefits crypto/fintech firms that develop blockchain analysis and tracing tools by creating demand for their products and s
- +Telecommunicationsconfidence 0.80
Section 5(b) requires the Secretary of the Treasury to solicit comments from telecommunications companies when carrying out the report on the state of scams. This indicates the bill recognizes telecommunications companies as relevant stakeholders in scam prevention, potentially leading to future collaboration or regulatory considerations that could benefit the industry through information sharing and coordinated efforts.
- +Big Tech Platformsconfidence 0.80
Section 5(b) requires solicitation of comments from social media companies and email providers when carrying out the report on the state of scams. This acknowledges the role of big tech platforms in scam propagation and prevention, likely leading to increased engagement with these companies and potential benefits through information sharing, technical assistance, or collaborative efforts to combat scams.
- +Commercial Banksconfidence 0.70
Section 3(a)(5) mentions supporting training and tabletop exercises to enhance coordination between financial institutions and law enforcement. Section 5(b) includes solicitation of comments from financial institutions. Section 4 and 5 involve Federal banking agencies and functional regulators in reports on financial fraud. This indicates the bill encourages collaboration between banks and law enforcement, potentially benefiting commercial banks through improved fraud prevention capabilities and
Who funds the sponsor on these industries
For each industry this bill affects, here's what the sponsor (Rep. Nunn, Zachary [R-IA-3])received from donors associated with that industry during the 2022–present cycles. Donations are not proof of intent — they are a record of who funds the people writing the law.
Industries this bill HELPS
- Crypto & Fintech$6,600from 2 contributions
- CALVERT CAMPBELL, KARA$3,300
- ARMSTRONG, BRIAN$3,300
- Commercial Banks$6,523from 11 contributions
- O'NEILL, EDWARD PATRICK III$2,000
- MCCRIGHT, RANDALL J.$2,000
- BELL, DAWN$2,000
- BOUSTEAD, HEATHER$273
- ONEILL, EDWARD$250
- Big Tech Platforms$3,300from 1 contribution
- WALKER, KENT$3,300
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