I am her daughter, guardian/conservator. Mom still knows who everyone is but memory is very bad. Grand daughter 45 is coming over monthly and borrowing money. My adult nephew lives with her and assumes she pays her back but we don't know how much she is borrowing. He marks the calendar when she borrows the money and marks it when she supposedly brings it back. I am getting very concerned, should I confront the niece? I don't know if she is really paying her back or not. I don't live with her. I know how grandparents are about their grandchildren but I think this is becoming a habit.
As guardian/conservator, depending on the order of appointment, you probably have the right AND obligation to monitor your mother's finances, so it's not out of line to become more involved and find out if the money is really being returned, as well as why the niece needs the money in the first place.
Perhaps your niece's mother or father could offer insight into the situation, but you could run the risk of their supporting their daughter against your inquiries and intervention.
If there is financial abuse on your watch, you could be blamed and considered negligent in your fiduciary obligations.
This is a rights versus responsibilities issue. Since you are responsible, as her guardian, for your mother's welfare you also have a right to all the necessary information to do that. Maybe see if you can get nephew and granddaughter together in the same room and thrash this issue out with them. Because if any authorities start asking questions, you'll be the one who has to answer them.
Also, I had to tell 2 adult grandchildren, that "No, they were not moving in with Mother." They had no intention of helping take care of her.