S-2544 — 保护弱势老年人免受欺诈法案

YourVoice.Now 摘要

刑事司法与正当程序工人与就业公民自由企业利益透明度与问责制

Lets local police use grant money they already get to chase crypto scams and elder fraud.

刑事司法与正当程序

Police work on scams and elder fraud — funded by existing grants

Police departments that get certain federal crime grants could spend that money on fraud cases. The bill adds no new funding, so agencies would shift money they already have.

工人与就业

Fraud investigator jobs at police departments — grants can pay salaries

The grant money could pay to hire and keep analysts, agents, and other experts. It could also pay for training in complex money-crime cases.

公民自由

Privacy of crypto payments — federal agents help local police trace them

Federal agents could help local police use tools that trace crypto payments. The same help goes to fusion centers, which are state offices that share crime tips.

Privacy of bank customer information — police liaison set up for sharing

Grant money could pay for a staff member whose job is to trade fraud information with banks. The bill does not change the privacy rules banks follow today.

企业利益

Sales for crypto-tracing software companies — grants can buy tools

Grants could pay for software and technical tools used in fraud cases, including tools that follow crypto payments. The bill names no company and sets aside no money for one.

透明度与问责制

Government tally of scam losses nationwide — due within two years

Treasury and FinCEN would have to count how many scams happen each year, and how much money people lose. A shorter report is due a year after the bill becomes law.

Public comment on the scam report — consumers get a say

Before it finishes that report, Treasury has to ask for public comments. It would hear from people who were scammed, from banks, phone companies, and social media firms.

Report on what nine agencies spend fighting scams

The same report would list what nine agencies set aside and spent on scams. They include the FBI, the FTC, and the Social Security Administration.

Yearly reports to Congress on grant spending and results

Agencies that hand out the grants would report each year to four committees in Congress. Police that used the money must first tell them what they spent and what changed.

关于本法案的更多内容

If you or an older relative loses money to a scam, local police could get more help chasing it. Police that already get certain federal crime grants could spend that money on fraud cases. That covers hiring fraud staff, buying software that follows crypto payments, and training officers. Federal agents could also help local police and state fusion centers trace those payments. The bill adds no new money. It widens what four grant programs are allowed to pay for. Treasury and the Financial Crimes Enforcement Network (FinCEN, which tracks money crimes) would owe Congress two reports. The bigger one is due in two years. It would count how many people get scammed each year, and how much they lose. Treasury would have to ask the public for comment first.

国会摘要

保护弱势老年退休人员免受欺诈法即GUARD法案本法案允许获得特定执法拨款项目资金的州、地方和部落执法机构及受助方，将这些资金用于调查一般金融欺诈、老年人金融欺诈和“杀猪盘”骗局。“杀猪盘”是指一种信任与投资类欺诈，受害者被逐步诱导，以加密货币等形式向虚假的虚拟投资项目转入越来越多的资金。本法案允许联邦执法机构协助州、地方和部落执法机构以及融合中心使用区块链及相关技术工具的追踪手段。最后，本法案要求财政部和金融犯罪执法网络（FinCEN）就一般金融欺诈、老年人金融欺诈、“杀猪盘”骗局和诈骗相关的工作及建议提交报告。本法案还要求财政部和金融犯罪执法网络就美国境内诈骗现状提交报告，内容包括所发生犯罪的相关信息、联邦民事和刑事执法行动，以及联邦应对这些犯罪的工作。

立法主题

先进技术与技术创新国会监督犯罪受害者刑事调查、起诉与审讯员工招聘就业与培训项目欺诈与金融犯罪政府信息与档案政府间关系执法管理与资助

详细信息

国会届次: 119th
议院: 参议院
状态: 已总结
行动: 报告至参议院
行动日期: 2026-02-09
添加日期: 2026-07-11
来源: Congress.gov →

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