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H.R. 2478119th CongressFinance and Financial Sector
Financial Exploitation Prevention Act of 2025
Sponsored by Rep. Ann Wagner (R-MO) · 11 active : 7 Republicans, 4 Democrats
Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Where it standsPassed House, now in the Senate14 senators score as swing votes
Passed House
- House: passedJun 25, 2026
- Senate: next
- President: not yet
Summary
, via Congress.govFinancial Exploitation Prevention Act of 2025
This bill establishes procedures for delaying the redemption of certain securities if an investment company or agent believes that an older individual or an individual with certain impairments has been financially exploited.
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Specifically, the bill allows for the delay of the redemption of a security issued by an open-end investment management company and serviced by a transfer agent if the company or agent reasonably believes the redemption involves the financial exploitation of an individual (1) age 65 or older, or (2) age 18 or older who is unable to protect his or her own interests due to a mental or physical impairment. (Open-end investment management companies offer securities in pooled investment vehicles such as mutual funds. Transfer agents facilitate certain transactions for corporations and investment companies, including dividend distribution and change of securities ownership.)
The company may initially delay the redemption for up to 15 days and, upon making a determination of exploitation, may delay the redemption an additional 10 days. A state regulator, appropriate administrative agency, or court may extend this period. In the event of delay, the company must hold the amounts related to the redemption in a demand deposit account. The bill also establishes notification requirements.
The bill requires the registered open-end investment company and transfer agent to notify the Securities and Exchange Commission (SEC) if they elect to comply with the procedures established under this bill.
Additionally, the SEC must make recommendations to address the financial exploitation of these adults.
Committees and subjects
Committees
- House Committee on Financial Services · HouseReported by · Markup by · Referred to
- Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to
Subjects
- Administrative law and regulatory procedures
- Congressional oversight
- Crime victims
- Fraud offenses and financial crimes
- Government information and archives
- Government studies and investigations
- Securities
- Securities and Exchange Commission (SEC)
Model
Directional: count only breaks toward the other partyWhy do scores change?v3default (selected)v2 model swing-v2
How the Senate breaks down
- 14Swing 70–100
- 67Middle 30–70
- 19Entrenched 0–30
Members fall into . All 100 senators have enough data to score.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v3, directional: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.
Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
11 activeShow all 11 cosponsors
- Andrew R. Garbarino (R-NY-2)
- Bryan Steil (R-WI-1)
- Josh Gottheimer (D-NJ-5)
- Marie Gluesenkamp Perez (D-WA-3)
- Michael Lawler (R-NY-17)
- Young Kim (R-CA-40)
- Bill Huizenga (R-MI-4)
- Eugene Simon Vindman (D-VA-7)
- Cleo Fields (D-LA-6)
- Pete Sessions (R-TX-17)
- Zachary Nunn (R-IA-3)
How the swing score works
Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.
Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.
Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.
Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.
Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.
Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.
