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High Impact

Financial Exploitation Prevention Act of 2025

Original title: FINANCIAL EXPLOITATION PREVENTION ACT OF 2025

June 24, 2026

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The Frame

What this does

The bill creates a legal '' for financial institutions to pause suspicious transactions for up to 25 days, directly impacting the ability of seniors and vulnerable adults to access their investment funds during potential fraud investigations.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Seniors and vulnerable adults

Their ability to access investment funds can be restricted for up to 25 days if a firm suspects they are being exploited.

Investment companies and transfer agents

They are granted legal authority to delay transactions and are required to establish new internal procedures for identifying and reporting exploitation.

What changed

Last recorded activity June 24, 2026.

What's next

Next step not available in the current record.

Summary

This bill allows investment companies and s to temporarily delay the payout of funds if they suspect a customer is being financially exploited. It also mandates that the SEC study and report on further legislative and regulatory solutions to combat financial fraud targeting seniors and vulnerable adults.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Can my investment company stop me from withdrawing my own money?
Yes, if the company reasonably believes you are a 'specified adult' (age 65+ or impaired) and that you are currently being targeted by financial exploitation, they may delay your for up to 25 business days.
What happens if my transaction is delayed?
The firm must initiate an internal review, hold the funds in a demand deposit account, and notify the trusted contact you provided, unless they believe that contact is the one exploiting you.

Why It Matters

The bill creates a legal '' for financial institutions to pause suspicious transactions for up to 25 days, directly impacting the ability of seniors and vulnerable adults to access their investment funds during potential fraud investigations.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Lobbying Activity

AARP

$4,110,000

2026

HEALTH ISSUESMEDICARE/MEDICAIDLAW ENFORCEMENT/CRIME/CRIMINAL JUSTICEPHARMACY

P.L. 119-21, One Big Beautiful Bill Act H.R. 8867, Planning for Long-term Aging Needs (PLAN) Act H.R. 5861, Legacy Act of 2025 H.R. 9393, the Lower Costs, More Transparency Act. H.R. 9396, the Prior Authorization Accountability Act. S. 4916, the Aging with Artificial Intelligence Act. H.R. 8100, Safe Staffing Saves Lives Act. S. 3886, Nurses Belong in Nursing Homes Act. H.R. 6766/S. 3492, the Essential Caregivers Act of 2025. H.R. 7966/S. 4118, Hospice Care Accountability, Reform, and Enforcement (Hospice CARE) Act. S. 2120, the Older Americans Act Reauthorization Act of 2025 H.R. 5575, the Firefighters Assisting Seniors to Emergency Response (FASTER) Act of 2025. H.R. 3954/S. 4641, Improving Access to Medicare Coverage Act. H.R.5554/S.2831, Stand Strong for Medicare Act. S. 3439/H.R. 6735, Connecting Caregivers to Medicare Act and efforts related to the bill S. 1227/H.R. 2491, Alleviating Barriers for Caregivers Act S. 668/H.R. 3183, Supporting Access to Falls Education and Prevention and Strengthening Training Efforts and Promoting Safety Initiatives (SAFE STEPS) for Veterans Act of 2025 CMS-1851-P, Hospice Proposed rule. CMS-1843-P, Skilled Nursing Facility Proposed rule. CMS-1844-P, Home Health Proposed rule. No bill number. Health care transparency. No bill number. Discussed use of artificial intelligence and health data technology. No bill number. Discussed health-related policies and activities around the fall respiratory virus season. No bill number. Discussed health insurance affordability proposals. No bill number. Discussed Nursing Home staffing standards, safety, and quality. No bill number. Discussed Nursing home transparency and ownership requirements. No bill number. Discussed home health, hospice, and long-term care. No bill number. Discussed falls prevention. No bill number. Discussed social isolation. No bill number. Discussed HUD Assisted Living Requirements No bill number. Discussed family caregiving. No bill number. Discussed AARP paper on Medicare Caregiver Training Services. No bill number. Discussed Medicaid community engagement interim final rule, including the family caregiver exemption. No bill number. Discussed the paid direct care workforce in long-term care. No bill number. Discussed the unaffordability of long-term care. No bill number. Discussed Money Follows the Person Rebalancing Demonstration Program and Medicaid HCBS spousal impoverishment protections. No bill number. Discussed Medicaid fraud and family caregivers, Medicaid self-direction programs. No bill number. Discussed sandwich generation family caregiver hearing and submitted a statement for the record discussing family caregivers and sandwich generation caregivers, programs that support them, AARP caregiving resources, and federal policies to support sandwich generation caregivers and caregivers more broadly. No bill number. Discussed long-term care. No bill number. CMS-2453-NC; Medicaid Program; 2028 Medicaid Home and Community-Based Services Quality Measure Set Submitted comments No bill number. Discussed expanding access to home care. No bill number. Discussed the increasing cost of home care No bill number. Discussed HSA use for telehealth chronic care management services/subscriptions. No bill number. Discussed artificial intelligence and technology

Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Codification of SEC Enforcement Policy

The bill formalizes and expands upon an enforcement policy the SEC announced in 2018 regarding the delay of disbursements for suspected exploitation.

Connected Entities

otherInvestment Company Act of 1940Statute being amended by this billMap →
personJosh GottheimerCo-sponsor of the billMap →
organizationCongressional Budget OfficeProvided the cost estimate for the billMap →
personAnn WagnerChair of the Subcommittee on Capital MarketsMap →
personFrench HillRepresentative from ArkansasMap →
personMaxine WatersRanking Member of the Financial Services CommitteeMap →
organizationSecurities and Exchange CommissionRegulatory body tasked with reporting on fraud mitigationMap →

Sources

Open source document

www.govinfo.gov

Analysis Score

0–100
  • Significance75
    How much this matters to a regular citizen
  • Controversy20
    Intensity of disagreement among stakeholders
  • Entertainment40
    Compellingness for a non-policy-wonk reader
  • Buzz30
    Current news / social attention level

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