FEC filings through Jun 30, 2026 · FEC bulk filing data · committee C00938613 · files quarterly
SummaryAt a glance
Why it exists
No statement of purpose found on its site.
Money
$1K raised, $90 spent, $910 cash on hand (through Jun 30, 2026). Where it comes from
Who funds it
50% from PACs and other committees · 50% filed as other receipts · largest donor The American Council, $500. See who funds it
Lobbying
American Council of Life Insurers lobbied on 8 issues. See lobbying
Its wordsWhat does this committee say it is for?
No published list of positions
This committee’s site publishes no list of positions we could read, and we found no statement of why it exists. We do not write one for it.
Who it gives toWhich candidates and committees get its money?
Each part reads different filings, so counts and totals can differ.
Party support distribution
Direct PAC contributions and independent expenditures explicitly reported as support, by the party of the candidate they went to.
No candidate-directed contributions or explicitly supportive independent expenditures were returned.
Contributions are reported money, not endorsements; a PAC giving to both parties is common.
Who this PAC gave to
Every contribution on line 23 of the committee’s own Schedule B, which is the filing its summary totals are built from. That line covers federal candidates, party committees and other political committees alike, so a super PAC funding other super PACs appears here rather than under candidate giving.
No contributions itemized
No candidate contributions were itemized by this committee in the selected cycle.
Show candidate activity and the money network
Candidate and election activity as the recipients filed it
Nothing loaded
No candidate committee activity was returned for this PAC.
Candidate contribution rows come from candidate committee Schedule A filings, the same rows the party chart above counts.
Committee money network
Money moving between this committee and other committees, matched on FEC committee ID rather than the name each filing was typed under. Both sides exclude memo entries. The figures here count each committee once, from the itemized transfers read for this section, so they will not match the payment counts under Who this PAC gave to.
Committees funding this one
Committees that reported giving to this one on their own Schedule A filings, grouped by the giver’s committee ID.
Committees funding this one
Name
Amount
The American Council1 payment
$500
$500 from 1 committee, counting every itemized receipt this cycle.
Committees this one funds
Disbursements this committee itemized to another committee: candidate contributions, party transfers and payments alike, not contributions only.
No disbursements to other committees were itemized this cycle.
Built from FEC Schedule A and Schedule B filings for the selected cycle. A committee only appears here if the money was itemized under its FEC committee ID.
Money inWho funds the PAC?
Where the money came from $1,000 reported receipts
Tap a row with to see who gave.
PACs and other committeesPolitical action committees and other candidates' committees.$50050%
Other receiptsWhere a super PAC files what corporations, unions and other organizations give it, since they have no line of their own. Hybrid PACs, and some super PACs, file individuals' unlimited gifts here too, along with any interest or dividends.$50050%
Where it came from
The American Council1 receipt, latest Apr 30, 2026 · San Rafael, California$500
Each as the committee named it on this line.
Total reported receipts $1,000
Every dollar the committee reported receiving this cycle, split by the source the FEC filing attributes it to. FEC filings through Jun 30, 2026.
Where the money traces to $1K followed back through up to 3 committees
100% to organizations.
Gave directly$1K 100%
Gave directly
Name
Amount
The American CouncilOrganization · 100%
$1,000
Each committee that gave is followed to where its own money came from, in proportion to what it received: a committee that got half its money from one person is counted as passing half of what it gave on to that person. Each channel shows the committee the money came through and its place in the money tree. It shows who stood behind the money, not what that money was for, and an organization that need not name its donors ends the trail. It stops at a person, an organization, a committee with nothing on file here, or 3committees deep. A person who gave by more than one route appears under each, a name filed two ways may appear twice, and a person's job and city are as they filed them. "Also behind" counts the other groups, among those that moved $100,000 or more into races, in which $100,000 or more traces to the same person, other than those this money came through or went on to.
SpendingWhere does the money go?
How the spending splits $90 reported
Operating expendituresThe committee's own running costs.$4550%
Other disbursementsEverything the committee reports outside the lines above.$4550%
Total reported disbursements $90
Every dollar this committee reported spending this cycle, split by the lines it reports against. Open a line to see who was actually paid on it. FEC filings through Jun 30, 2026.
What the payments were for
No itemized payments
This committee has no itemized disbursements for the cycle, so there is nothing to break down yet.
FEC filings through Jun 30, 2026
Spending over time
$90 spent from Jan 2026 to Jun 2026. Most in one report: $90, Apr 1 – Jun 30, 2026.
$90
Jan 2026Jun 2026
The running total of what the committee’s FEC reports say it spent, independent expenditures included, with a point at the end of each report. The line is straight between reports because a report gives one total for its whole period.
2 CIVIC CENTER DRIVEUNIT 4338SAN RAFAEL, CA, 94913
Audits and penalties
None published by the FEC
LobbyingWhat does its sponsor lobby on?
What American Council of Life Insurers lobbies on 2026 reports
Besides giving through its PAC, American Council of Life Insurers pays lobbyists to press Congress and federal agencies. Each quarter it, or a firm it hires, files a public report under the Lobbying Disclosure Act saying which topics it worked on, what it spent, and whom it contacted. This is what those reports say.
Spent on lobbying in 2026
$4.5M
Quarterly reports read
57
Bills it named
214
Topics it lobbied on
Each report files its work under official topics. The bar shows how often each topic came up across the reports; open one to read what was filed under it. Naming a bill says the organization lobbied on it, not which side it took.
Taxation/Internal Revenue Codein 25 report entries · 8 bills named
In its own words
S4279 - Protecting Proper Life Insurance from (PPLI) Abuse Act.
This bill would restrict the use of private placement life insurance.
HR 2547 and S 1335 - Secure Family Futures Act of 2025 Issues pertaining to lifetime income and annuitization Issues pertaining to a tax exemption for long term care insurance
- Taxation of Pell Grants - H.R. 9331, Higher Education Accountability Act (excise tax for university endowments) - Education tax incentives - Endowment tax in Title XI (IRC 4968) of H.R. 1, the One Big, Beautiful Bill Act (P.L. 119-21)
Monitor efforts to change the corporate tax rate for subchapter L of the code; advocate for the Retirement Simplification and Clarity Act (H.R.6324); advocate for the Secure Family Futures Act (H.R. 2547/S. 1335).
S.__ - Protecting Proper Life Insurance from (PPLI) Abuse Act. This bill would restrict the use of private placement life insurance. HR 2547 and S 1335 - Secure Family Futures Act of 2025
Tax issues impacting life insurance, and related issues impacting the life insurance industry; Implementation of PL 119-21. H.R. 2547, the Secure Family Futures Act.
Monitor efforts to change the corporate tax rate for subchapter L of the code; advocate for the Retirement Simplification and Clarity Act (H.R. 6324).
Participated in FDA's Pharmacy Compounding Advisory Committee Key Concerns: Manufacturing quality and consistency;
Peptide purity and impurities;
Bacterial endotoxin control;
Heavy metals and residual solvents;
Potency and stability testing;
Independent lot testing;
Chain-of-custody documentation; and Accurate labeling and appropriate use information.
ACOPs core mission is to advance a legal, supervised, and quality-controlled pathway for peptide therapies grounded in: Defined manufacturing standards Independent testing and verification Supply-chain traceability Patient safety and regulatory compliance
Student Mental Health Telehealth and Student Mental Health H.R. 3624/S. 1924 - Improving Mental Health Access for Students Act Garret Lee Smith Campus Suicide Prevention Program
- Providing telemental health across state lines - Conducting clinical trials via telehealth across state lines
The Congressional Dietary Supplements Caucus The Congressional Cannabis Caucus
Educate and advocate on issues related to supplemental benefits.
Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act.
Issue: Implementation and Regulatory reform.
Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.
Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014.
The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision.
Issue: Capital Standards, Basel III Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act.
This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses.
H.R. 4583 and H.R. 4582/S.1552 - Living Donor Protection Act.
The bill would promote and protect from discrimination living organ donors.
Issue: underwriting.
H.R. 643 - Federal Insurance Office Elimination Act.
To eliminate the Federal Insurance Office of the Department of the Treasury.
Issue: FIO Reform.
S. 1544/H.R. 3437 - Insurance Data Protection Act.
To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company.
Financial Institutions/Investments/Securitiesin 10 report entries · 20 bills named
In its own words
Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act.
Issue: Implementation and Regulatory reform.
Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards.
Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board.
Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014.
The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision.
Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act.
Issue: Implementation and regulatory reform of the financial services industry.
Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act.
This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses.
H.R.1777/S. 1561 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act.
To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned.
Retirementin 10 report entries · 88 bills named
In its own words
Retirement Security 1.H.R.1013, S.424 Retirement Fairness for Charities and Educational Institutions Act of 2025: Allows 403(b) retirement plans to invest in Collective Investment Trust or Separate Accounts Insurance Products to establish investment parity with other defined contribution plans, like 401(k)s. 2.H.R.2023, S.988 Womens Retirement Protection Act (WRPA): This legislation imposes spousal consent requirements on nearly all distributions from defined contribution plans.
The bill also seeks to enhance financial literacy through grants to community-based organizations and offers grants to such organizations to help low-income women and survivors of domestic abuse obtain qualified domestic relations orders. 3.H.R.2067, S.928 Protecting Americans Retirement Savings Act (PARSA): This bill prohibits ERISA-covered retirement plans from making new investments in companies controlled by or based in countries considered to be foreign adversaries.
Foreign adversaries include China, Iran, North Korea, and Russia.
The bill also requires fiduciaries to disclose continuing investments in such entities and sanctioned firms. 4.H.R.2089 Generating Retirement Ownership through Long-Term Holding (GROWTH): The legislation provides that reinvested mutual fund dividends are not subject to capital gains taxation until the investor sells his or her shares. 5.H.R.2163 No Penalties for Victims of Fraud Act: The bill ensures that victims of retirement account fraud are not subject to the 10% additional income tax on early retirement plan distributions. 6.H.R.2544, S.1222 Financial Freedom Act of 2025: The legislation prohibits the Secretary of Labor from restricting the investments available in self-directed 401(k) brokerage windows.
Defensein 9 report entries · 3 bills named
In its own words
Advocating for the development of a robust steel and aluminum industry
S.2296 - National Defense Authorization Act for Fiscal Year 2026.
H.R.8800/S.4784 National Defense Authorization Act for 2027
DOE appliance and equipment standards program and related regulations, House Energy and Water Appropriations, Senate Energy and Water Appropriations, Home Energy Rebates and Industry Decarbonization DOE Programs and Tax Incentives.
H.R. 4626 - Don't Mess With My Home Appliances Act H.R. 5184 - Affordable HOMES Act H.R. 4690 - Reliable Federal Infrastructure Act H.R. 4758 - Homeowner Energy Freedom Act H.R. 4593 - Saving Homeowners from Overregulation With Exceptional Rinsing (SHOWER) Act H.R. 3699 - Energy Choice Act
Advocating for the development of a robust steel and aluminum industry
Consumer Issues/Safety/Productsin 7 report entries · 8 bills named
In its own words
Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act.
Issue: Implementation, Global Capital Standards and Regulatory reform.
S. __ - Data Care Act.
The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority.
Issue: Data Privacy H.R.__/S.__ Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements.
Issue: Data Privacy H.R. __/S. __ DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers.
Issue: Data Privacy.
H.R. 5511/S.__ - Algorithmic Accountability Act.
This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes.
Issue: Algorithmic Accountability.
H.R. 6356/S. 3308 - Artificial Intelligence Civil Rights Act.
Who did the lobbying
The organization’s own reports give its total lobbying costs, including any firms it hired; each firm reports what this client paid it.
American Council of Life InsurersIts own staff · 4 reports$4.3M
TAI Ginsberg & Associates, LLCLobbying firm · 3 reports$60K
American Council of the Blind IncIts own staff · 3 reports$30K
OGRLobbying firm · 1 report$30K
Contributions on the LD-203 report
Reported twice a year by the lobbying filer. $9.5K is political giving that also appears in FEC filings.
Senator Jim Risch$4.5K
NRSC$1K
Rep. Brian Jack$1K
Rep. Jake Ellzey$1K
Senator Jon Husted$1K
Senator Todd Young$1K
Matched by name: these reports are filed for “AMERICAN COUNCIL OF LIFE INSURERS”, found by searching “AMERICAN COUNCIL”. Lobbying and FEC records share no ID, so an organization that lobbies under another name is missed. Source: LDA.gov, accessed Nov 9, 2026. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.
Nothing from this committee’s or its sponsor’s site is quoted yet.
Linked public records
No approved organization identity yet
The official FEC committee record remains available under Filings.
HOUSE OF REPRESENTATIVES
SENATE
Food & Drug Administration (FDA)
Issue: FIO Reform H.R. 4735 and S. 2419 - Business of Insurance Regulatory Reform Act- To amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator.
The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor.
H.R. 3383 - Incentivizing New Ventures and Economic Strength Through Capital Formation (INVEST) Act of 2025.
This bill allows a closed-end fund-a portfolio of pooled assets with a limited number of shares traded on an exchange-to increase its investment in private investment funds.
Specifically, the Securities and Exchange Commission is prohibited from limiting the sale or listing of securities of a closed-end fund that invests in private investment funds.
This bill also apples to a closed-end company treated as a business development company.
Issue: Capital formation H.R. 7130 - McCarran-Ferguson Restoration Act.
The bill would eliminate the Federal Insurance Office of the Department of the Treasury and establish a United States Insurance Representative within the Department of the Treasury.
H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026.
The bill would make reforms to the Bureau of Consumer Financial Protection (CFPB).
Issue: CFPB reform.
Issus: FSOC nonbank guidance rule.
Issue: private equitys growing role in the insurance industry.
Issue: S&P proposal on the methodology that is used to rate insurance companies.
Issue: National Association of Registered Agents and Brokers (NARAB) board.
No bill number assigned.
Issue: Housing Finance Reform.
Issue: SEC e-delivery.
Impact of international regulation and standards on the life insurance industry. Pension risk transfer and lifetime income guidance.
Monitor efforts to reform the Federal Insurance Office of the Department of the Treasury; Discuss life insurance products.
Impact of international insurance regulation and standards on U.S. life insurers
H.R. 2441 - Improving Disclosure for Investors Act - This bill requires the Securities and Exchange Commission (SEC) to propose and finalize rules to allow entities to deliver regulatory documents to investors electronically.
The SEC must establish a mechanism for investors to opt out of electronic delivery and receive paper documents instead.
If the SEC does not finalize rules within one year after enactment, the bill allows for electronic delivery of these documents.
Issue: Electronic delivery.
H.R. 1013/S.424 - Retirement Fairness for Charities and Educational Institutions Act of 2025 - The bill would allow 403(b) plans to invest in Collective Investment Trusts or Separate Accounts that establishes investment parity with other defined contribution plans, like 401(k)s.
Issue: Retirement security H.R.20/S.852 - Richard L. Trumka Protecting the Right to Organize Act.
To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959.
Issue: independent contractor status.
H.R. 3682/S. 3578 - Financial Stability Oversight Council Improvement Act of 2025.
This bill will restore transparency to FSOC by imposing procedural guardrails, including enhanced due process protections, and a stronger analytic framework before a firm can be designated as systemically important.
Issue: Dodd-Frank Act reform.
H.R. 8338 - SAFER Act of 2026.
To prevent the premature seizure of an individuals securities, digital assets, or investment accounts in the custody of a financial institution under State escheatment laws.
Issue: unclaimed property.
H.R.9471 /S. 4942 - SAFE Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
Issue: Cannabis legislation H.R. 10471/S. 5049 - Clarifying Law Around Insurance of Marijuana Act (CLAIM Act) - This bill would create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business.
Issue: Cannabis legislation H.R. 10234, the Consumer-Led Enhancement of Annuity and Insurance Registration (CLEAR) Forms Act.
The bill would require the Securities and Exchange Commission to create forms for non-variable registered annuities and life insurance products.
Issue: SEC reform S. __ - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
Issue: Cannabis legislation.
H.R. __ - Expanding Access to Capital Act - This bill reduces various securities regulations applicable to certain companies, brokers, and advisors.
The bill also allows more investors to invest in specified types of ventures.
Issue: Capital reform.
S. __ - Protecting Innovation in Investment Act - To prohibit the Securities and Exchange Commission from finalizing, implementing, or enforcing a proposed rule with respect to conflicts of interest associated with the use of predictive data analytics by broker-dealers and investment advisers.
Issue: Predictive data analytics.
S. __/H.R. __ - Empowering States to Protect Seniors from Bad Actors Act - This bill reauthorizes through FY2028 and otherwise revises the Senior Investor Protection Grant Program.
The bill moves the program from the Consumer Financial Protection Bureau to the Securities and Exchange Commission, establishes a task force to oversee the program, and eliminates certain grant eligibility requirements.
Issue: Financial protections.
Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG).
Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance.
Issue: Government Sponsored Enterprises (GSE) reform.
H.R.9471 /S. 4942 SAFE Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
Issue: Cannabis legislation H.R. ____, the Consumer-Led Enhancement of Annuity and Insurance Registration (CLEAR) Forms Act.
H.R.__/S. __ SAFE Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
Issue: Cannabis legislation S. __ - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
No bill number assigned
Issues related to data privacy legislation, AI legislation, and other financial services matters.
Monitoring issues related to implementing the GENIUS Act (S. 1582).
Monitoring issues related to implementing the GENIUS Act (S.1582).
The bill also prohibits the DOL from preventing a fiduciary from selecting, any particular type of investment alternative, provided that a fiduciary provides the participant or beneficiary an opportunity to choose, from a broad range of investment alternatives, nor can the DOL require that any particular type of investment be either favored or disfavored, other than on the basis of the investments risk-return characteristics. 7.H.R.2696, S.1526 Retirement Savings for Americans Act (RSAA): This legislation establishes a federally run American Worker Retirement Plan for private-sector workers that do not have access to a workplace-based retirement plan.
The bill also includes an enhanced federal matching contribution that only applies to lower income workers that participate in the federal plan. 8.H.R.2748 First Time Homeowner Savings Plan Act: This legislation increases the amount first-time homebuyers could pull from their retirement savings from the $10,000 set in the 1990s to $25,000 (indexed to inflation) without the 10% additional income tax on early retirement plan distributions to use as a down payment on their home. 9.H.R.2869 EBSA Investigations Transparency Act: This legislation requires the Department of Labors Employee Benefits Security Administration (EBSA) to submit annual reports to Congress on the status of its open employee plan audits and to explain why any audits open for more than 36 months have not been closed. 10.H.R.2958 Balance the Scales Act: This legislation requires the Department of Labors Employee Benefits Security Administration (EBSA) to report annually to Congress about its use of common interest agreements. 11.H.R.2988 Protecting Prudent Investment of Retirement Savings Act: This legislation amends ERISA to specify that a retirement plan fiduciary shall be considered acting solely in the interest of participants only if: 1) the investment does not subordinate the interest of participants in their retirement income or financial benefits under the plan to other objectives, including ESG objectives and 2) the fiduciary does not sacrifice investment returns or take on additional investment risks to promote goals unrelated to the plan. 12.H.R.3526, S.2867 Uplifting First-Time Homebuyers Act of 2025: This legislation allows individuals to take an early distribution out of an IRA of up to $50,000 for a qualified first-time home purchase without the 10% additional income tax penalty.
Current rules only allow up to a $10,000 early distribution without penalty. 13.S.2003 Strengthening Benefits Plans Act of 2025: This legislation permits surplus assets in a retiree health account to be used for other benefits, like active employee health benefits.
The legislation also permits surplus assets in a defined benefit plan to be used to provide contributions to the employers defined contribution plan without terminating the defined benefit plan. 14.S.2210 Unlocking Benefits for Independent Workers Act: This legislation establishes a safe harbor under federal law for companies that would like to voluntarily provide independent workers with any benefit or protection commonly provided to full-time employees, such as retirement and health care benefits. 15.S.2217 Independent Retirement Fairness Act: This legislation relaxes the audit rules for pooled employer plans (PEPs) and allows companies to enroll their independent workers in PEPs and simplified employer pensions (SEPs) IRAs without triggering employee classification. 16.H.R.4548, S.2365 Small Nonprofit Retirement Security Act of 2025: This legislation makes the credit for small employer pension plan startup costs and the retirement auto-enrollment credit available to tax-exempt eligible small employers. 17.H.R.4718, S.1707 Helping Young Americans Save for Retirement Act: This legislation lowers the required minimum participation age in ERISA-covered retirement plans from age 21 to age 18. 18.H.R.5325 Unclaimed Retirement Rescue Plan: This legislation directs the Department of Labor (DOL) to issue a regulation that would permit retirement plan fiduciaries to transfer unclaimed retirement distributions to State unclaimed property programs. 19.H.R.5748 Retirement Investment Choice Act: This legislation codifies Executive Order 14330 relating to democratizing access to alternative assets for 401(k) investors. 20.S.3083 Providing Complete Information to Retirement Investors Act: This legislation adds a new notice requirement to participants investing through brokerage windows in 401(k) plans to explain that the investments in a brokerage window have not been prudently selected and are not monitored by a plan fiduciary. 21.S.3086 Restoring Integrity in Fiduciary Duty Act: This legislation limits fiduciary consideration of nonpecuniary factors for investments.
The bill further states that ERISA fiduciaries must also make decisions regarding the exercise of shareholder rights and proxy voting based on pecuniary factors. 22.H.R.5887 Saving for the Future Act: This legislation establishes a hybrid emergency savings and 401(k)-type government-run program called the Federal Universal Personal Savings Investment Program and creates UP Retirement Accounts for every full-time and part-time worker not covered by an active defined benefit pension plan.
The legislation also requires employers to make a minimum employer contribution to the workers retirement account. 23.H.R.6084 ERISA Litigation Reform Act: This legislation amends the pleading standard under ERISA Section 502 for certain claims to put the burden on the plaintiff to plausibly allege and prove that an ERISA prohibitive transaction occurred that is not exempt under ERISA section 408(b)(2). 24.H.R.6324, S.5156 Retirement Simplification and Clarity Act: This legislation would: (1) permit an in-service plan distribution to an individual retirement annuity on or after attainment of age 50; and (2) include a specific reference to an individual retirement annuity as a rollover option under a simplified 402(f) safe harbor notice. 25.H.R.6417, S.3333 Emergency Savings Enhancement Act of 2025: This legislation would double the maximum balance limit for Pension-Linked Emergency Savings Accounts (PLESAs) from $2,500 to $5,000 and allows Highly Compensated Employees (HCEs) to participate. 26.H.R.6450, S.3352 Retirement Rollover Flexibility Act: This legislation would permit rollover contributions from Roth IRAs to designated Roth accounts in qualified retirement plans, like 401(k)s. 27.H.R.6722 Automatic IRA Act of 2025: The legislation would require employers with more than 10 employees that do not sponsor a retirement plan to automatically enroll their employees in IRAs (automatic IRAs) or other automatic contribution plans or arrangements, like 401(k) plans.
The legislation also requires 401(k) plans with over 100 participants plans must permit participants to elect to receive at least 50 percent of their vested account balance in the form of lifetime income.
This requirement does not apply to participants with balances below $200,000. 28.H.R.6729, S.1831 Auto Reenroll Act of 2025: This legislation amends the qualified automatic contribution arrangement (QACA) safe harbor in the tax code for 401(k) plans to allow for automatic periodic reenrollment into the plan. 29.H.R.7185 Home Savings Act: This legislation permits penalty-free withdrawals from a 401(k) account for up to five years when the funds are used for a down payment or closing costs on a primary residence.
The legislation also allows an individual to make a penalty-free 401(k) withdrawal and gift those funds to a relative, exempt from gift tax, provided the relative uses the money for a down payment or closing costs on a primary residence. 30.H.R.7362, S.4953 5500 Filing Simplification Act: This legislation extends the Form 5500 filing deadline to October 15 (for calendar year retirement plans), thus eliminating the need for an extension. 31.H.R.7556, S.2335 Pensions for All Act: This legislation requires every employer to provide to their employees a retirement program with benefits equivalent to the Federal Employees Retirement System (FERS) or to elect for their employees to participate in FERS. 32.H.R.8273, S.4291 Catching Up Family Caregivers Act of 2026: This legislation allows full-time family caregivers to qualify for up to five additional years of retirement plan catch-up contributions.
Catch-up contributions currently allow individuals over age 50 to contribute above the standard annual retirement plan contribution limit, with even higher limits available for those ages 60 to 63. 33.H.R.8274, S.4292 Improving Retirement for Family Caregivers Act of 2026: Current law limits Roth IRA contributions to the lesser of $7,000 or total annual income.
This legislation eliminates the annual income requirement for family caregivers, thus allowing them to contribute to a Roth IRA even if they do not have any income. 34.H.R.8313 Trump Accounts for All Generations Act: The One Big Beautiful Bill Act (OBBBA) enacted last year created the Trump Account, which is a new individual tax-preferred savings vehicle for children, with a $1,000 government seed contribution for every child born in the United States from 2025 to 2029.
This legislation makes the $1,000 government contribution for children permanent and indexes the $1,000 contribution amount to inflation beginning in 2029. 35.H.R.8314 OPTIONS Act: The legislation allows employees to allocate employer contributions among various pre-tax benefits, including retirement accounts, health savings accounts, health reimbursement accounts, and educational assistance programs. 36.S.4360 Investigation Status and Governance for Honest Transparency (INSIGHT) Act: This legislation requires the Employee Benefits Security Administration (EBSA) to submit annual reports to Congress on the status of its open employee plan audits and to explain why any audits open for more than 36 months have not been closed.
And it also requires the Department of Labor to formalize and disclose situations in which it is providing adverse assistance which means assistance to plaintiffs lawyers suing ERISA benefit plan sponsors and fiduciaries. 37.H.R.8783, S.4511 Charity Parity Act: Current law allows retirement savers to exclude up to $111,000 in annual gross income to make qualified charitable distributions (QCDs), but only if the funds are donated directly from an IRA.
This tax break excludes distributions from employer-sponsored retirement plans like 401(k)s and 403(b)s.
So, under current law, individuals must first roll assets into an IRA to make a QCD.
The Charity Parity Act would permit direct QCDs from employer-sponsored retirement plans. 38.H.R.8837, S.1840 Retirement Investment in Small Employers (RISE) Act: This legislation raises the floor for the existing $250 per-employee tax credit available to small businesses to create retirement plans, ensuring that all small businesses can receive a tax credit of at least $2,500.
The House version of the legislation allows the service provider to claim the tax credit as payment for services that would ordinarily be charged to the employer for starting the plan. 39.H.R.9813, S.5040 A bill to amend the Internal Revenue Code of 1986 to impose limitations on high-income taxpayers with large retirement account balances: This legislation that would prohibit further contributions to a Roth or traditional IRA if the total of an individuals IRA and defined contribution plan vested account balances exceeds $10 million for the prior year.
The limit on contributions would only apply to married single taxpayers with modified adjusted gross income (MAGI) over $400,000 for the prior year ($425,000 for heads of households, $450,000 for joint filers). 40.H.R.10039, S.5204 SMART Savings Act of 2026: This legislation amends the Internal Revenue Code to exempt individual retirement accounts (IRAs) from the Department of Labors prohibited transaction rules.
Although IRAs are generally not ERISA plans, they remain subject to DOL-administered prohibited transaction rules because Congress incorporated those rules into the Internal Revenue Code. 41.S.5507 Savers Match Enhancement Act of 2026: The bill makes the existing Savers Match more generous in the following ways.
The bill doubles the matching rate from 50 percent to 100 percent, so that the government matches retirement plan contributions dollar for dollar up to $2,000 per year (now indexed to inflation).
The bill also increases the amount of people eligible for the match with an income phase-out range beginning at $85,000 to $115,000 for a joint return ($42,500 to $57,500 for single and $63,750 to $86,250 for head of household).
Savers Match contributions would now have after-tax Roth treatment, so the contributions and earnings would not be taxed upon distribution but also not be taxable to the saver in the year of contribution unlike normal Roth contributions. 42.S.5550 529 Retirement Enhancement Act of 2026: The bill eliminates the $35,000 lifetime cap on rollovers from 529 education savings accounts to Roth IRAs. 43.H.R.10641 Employee and Retiree Access to Justice Act of 2026: The bill amends ERISA Section 502 to deem pre-dispute and post-dispute forced arbitration clauses, class action waivers, and representation waivers unenforceable. 44.H.R.10702 Workers Retirement Savings Protection Act of 2026: The bill creates a new statutory definition of an investment advice fiduciary under Section 3(21) of the Employee Retirement Income Security Act (ERISA). 45.H.R.10703 Protecting Workers Benefits Act of 2026: The bill amends ERISA Section 502 to allow individuals to bring a legal action as assignees on behalf of their plan and get a cut of any settlement or award, similar to whistleblower actions under the False Claims Act. 46.General Account Product Corrections Act: This proposed legislation clarifies fiduciary responsibilities for life insurance companies as it relates to investments in their general accounts.
Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.
H.R. 133, Both provisions are in the larger bill.
S. 5017 - More Paid Leave for Americans Act.
Issue: paid family and medical leave H.R. 3089 - Paid Family Leave Public Partnerships Act.
Issue: paid family and medical leave H.R. 3090 - Interstate Paid Leave Action Network Act (I-PLAN Act).
Issue: paid family and medical leave H.R. 1521 - Dentist and Optometric Care Access Act of 2025 or the DOC Access Act of 2025.
Issue: dental and vision insurance H.R.1185 - FAMILY Act.
Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member.
H.R.1940 - New Parents Act of 2019.
Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes.
Issue: paid family and medical leave S.463 - FAMILY Act.
Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019.
Issue: paid family and medical leave Discussion draft - CRADLE Act.
Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits.
Proposed FY 2020 Budget proposal on paid family and medical leave.
Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act.
Issue: paid family and medical leave.
Concurrent Resolution on the Budget, FY2022, S.Con.Res.14.
The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth.
In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms.
Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age).
H.R. 5376- Build Back Better Act This bill provides funding, establishes programs, and otherwise modifies provisions relating to a broad array of areas, including education, labor, child-care, health care, taxes, immigration, and the environment.
Excepted Benefits on Supplemental Benefits-proposed tri-agency rule through HHS, Treasury and Labor.
S.3680 - Paid Family and Medical Leave Tax Credit Extension and Enhancement Act Diversity and Inclusion H.R. 5084 - Improving Corporate Governance Through Diversity Act.
Issue: diversity and inclusion.
H.R. 5360 - Closing the Racial Wealth Gap Act.
H.R. 281 - Ensuring Diverse Leadership Act.
H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act.
Retirement Security, Q4 2025 1.H.R.1013, S.424 Retirement Fairness for Charities and Educational Institutions Act of 2025: Allows 403(b) retirement plans to invest in Collective Investment Trust or Separate Accounts Insurance Products to establish investment parity with other defined contribution plans, like 401(k)s. 2.H.R.2023, S.988 Womens Retirement Protection Act (WRPA): This legislation imposes spousal consent requirements on nearly all distributions from defined contribution plans.
Current rules only allow up to a $10,000 early distribution without penalty. 13.H.R.4718, S.1707 Helping Young Americans Save for Retirement Act: This legislation lowers the required minimum participation age in ERISA-covered retirement plans from age 21 to age 18. 14.S.2003 Strengthening Benefits Plans Act of 2025: This legislation permits surplus assets in a retiree health account to be used for other benefits, like active employee health benefits.
The legislation also permits surplus assets in a defined benefit plan to be used to provide contributions to the employers defined contribution plan without terminating the defined benefit plan. 15.S.2210 Unlocking Benefits for Independent Workers Act: This legislation establishes a safe harbor under federal law for companies that would like to voluntarily provide independent workers with any benefit or protection commonly provided to full-time employees, such as retirement and health care benefits. 16.S.2217 Independent Retirement Fairness Act: This legislation relaxes the audit rules for pooled employer plans (PEPs) and allows companies to enroll their independent workers in PEPs and simplified employer pensions (SEPs) IRAs without triggering employee classification. 17.H.R.4548, S.2365 Small Nonprofit Retirement Security Act of 2025: This legislation makes the credit for small employer pension plan startup costs and the retirement auto-enrollment credit available to tax-exempt eligible small employers. 18.H.R.5325 Unclaimed Retirement Rescue Plan: This legislation directs the Department of Labor (DOL) to issue a regulation that would permit retirement plan fiduciaries to transfer unclaimed retirement distributions to State unclaimed property programs. 19.H.R.5748 Retirement Investment Choice Act: This legislation codifies Executive Order 14330 relating to democratizing access to alternative assets for 401(k) investors. 20.S.3083 Providing Complete Information to Retirement Investors Act: This legislation adds a new notice requirement to participants investing through brokerage windows in 401(k) plans to explain that the investments in a brokerage window have not been prudently selected and are not monitored by a plan fiduciary. 21.S.3086 Restoring Integrity in Fiduciary Duty Act: This legislation limits fiduciary consideration of nonpecuniary factors for investments.
The legislation also requires employers to make a minimum employer contribution to the workers retirement account. 23.H.R.6084 ERISA Litigation Reform Act: This legislation amends the pleading standard under ERISA Section 502 for certain claims to put the burden on the plaintiff to plausibly allege and prove that an ERISA prohibitive transaction occurred that is not exempt under ERISA section 408(b)(2). 24.H.R.6324 Retirement Simplification and Clarity Act: This legislation would: (1) permit an in-service plan distribution to an individual retirement annuity on or after attainment of age 50; and (2) include a specific reference to an individual retirement annuity as a rollover option under a simplified 402(f) safe harbor notice. 25.H.R.6417, S.3333 Emergency Savings Enhancement Act of 2025: This legislation would double the maximum balance limit for Pension-Linked Emergency Savings Accounts (PLESAs) from $2,500 to $5,000 and allows Highly Compensated Employees (HCEs) to participate. 26.H.R.6450, S.3352 Retirement Rollover Flexibility Act: This legislation would permit rollover contributions from Roth IRAs to designated Roth accounts in qualified retirement plans, like 401(k)s. 27.H.R.6722 Automatic IRA Act of 2025: The legislation would require employers with more than 10 employees that do not sponsor a retirement plan to automatically enroll their employees in IRAs (automatic IRAs) or other automatic contribution plans or arrangements, like 401(k) plans.
The legislation also allows an individual to make a penalty-free 401(k) withdrawal and gift those funds to a relative, exempt from gift tax, provided the relative uses the money for a down payment or closing costs on a primary residence. 30.H.R.7362 Form 5500 Filing Simplification Act: This legislation extends the Form 5500 filing deadline to October 15 (for calendar year retirement plans), thus eliminating the need for an extension. 31.H.R.7556, S.2335 Pensions for All Act: This legislation requires every employer to provide to their employees a retirement program with benefits equivalent to the Federal Employees Retirement System (FERS) or to elect for their employees to participate in FERS. 32.H.R.8273, S.4291 Catching Up Family Caregivers Act of 2026: This legislation allows full-time family caregivers to qualify for up to five additional years of retirement plan catch-up contributions.
The House version of the legislation allows the service provider to claim the tax credit as payment for services that would ordinarily be charged to the employer for starting the plan. 39.General Accounts Product Corrections Act: This proposed legislation clarifies fiduciary responsibilities for life insurance companies as it relates to investments in their general accounts.
H.R.1185 - FAMILY Act.
Current rules only allow up to a $10,000 early distribution without penalty. 13.H.R.4718, S.1707 Helping Young Americans Save for Retirement Act: This legislation lowers the required minimum participation age in ERISA-covered retirement plans from age 21 to age 18. 14.S.1840 Retirement Investment in Small Employers (RISE) Act: This legislation raises the floor for the existing $250 per-employee tax credit available to small businesses to create retirement plans, ensuring that all small businesses can receive a tax credit of at least $2,500. 15.S.2003 Strengthening Benefits Plans Act of 2025: This legislation permits surplus assets in a retiree health account to be used for other benefits, like active employee health benefits.
The legislation also permits surplus assets in a defined benefit plan to be used to provide contributions to the employers defined contribution plan without terminating the defined benefit plan. 16.S.2210 Unlocking Benefits for Independent Workers Act: This legislation establishes a safe harbor under federal law for companies that would like to voluntarily provide independent workers with any benefit or protection commonly provided to full-time employees, such as retirement and health care benefits. 17.S.2217 Independent Retirement Fairness Act: This legislation relaxes the audit rules for pooled employer plans (PEPs) and allows companies to enroll their independent workers in PEPs and simplified employer pensions (SEPs) IRAs without triggering employee classification. 18.H.R.4548, S.2365 Small Nonprofit Retirement Security Act of 2025: This legislation makes the credit for small employer pension plan startup costs and the retirement auto-enrollment credit available to tax-exempt eligible small employers. 19.H.R.5325 Unclaimed Retirement Rescue Plan: This legislation directs the Department of Labor (DOL) to issue a regulation that would permit retirement plan fiduciaries to transfer unclaimed retirement distributions to State unclaimed property programs. 20.H.R.5748 Retirement Investment Choice Act: This legislation codifies Executive Order 14330 relating to democratizing access to alternative assets for 401(k) investors. 21.S.3083 Providing Complete Information to Retirement Investors Act: This legislation adds a new notice requirement to participants investing through brokerage windows in 401(k) plans to explain that the investments in a brokerage window have not been prudently selected and are not monitored by a plan fiduciary. 22.S.3086 Restoring Integrity in Fiduciary Duty Act: This legislation limits fiduciary consideration of nonpecuniary factors for investments.
The bill further states that ERISA fiduciaries must also make decisions regarding the exercise of shareholder rights and proxy voting based on pecuniary factors. 23.H.R.5887 Saving for the Future Act: This legislation establishes a hybrid emergency savings and 401(k)-type government-run program called the Federal Universal Personal Savings Investment Program and creates UP Retirement Accounts for every full-time and part-time worker not covered by an active defined benefit pension plan.
The legislation also requires employers to make a minimum employer contribution to the workers retirement account. 24.H.R.6084 ERISA Litigation Reform Act: This legislation amends the pleading standard under ERISA Section 502 for certain claims to put the burden on the plaintiff to plausibly allege and prove that an ERISA prohibitive transaction occurred that is not exempt under ERISA section 408(b)(2). 25.H.R.6324 Retirement Simplification and Clarity Act: This legislation would: (1) permit an in-service plan distribution to an individual retirement annuity on or after attainment of age 50; and (2) include a specific reference to an individual retirement annuity as a rollover option under a simplified 402(f) safe harbor notice. 26.H.R.6417, S.3333 Emergency Savings Enhancement Act of 2025: This legislation would double the maximum balance limit for Pension-Linked Emergency Savings Accounts (PLESAs) from $2,500 to $5,000 and allows Highly Compensated Employees (HCEs) to participate. 27.H.R.6450, S.3352 Retirement Rollover Flexibility Act: This legislation would permit rollover contributions from Roth IRAs to designated Roth accounts in qualified retirement plans, like 401(k)s. 28.H.R.6722 Automatic IRA Act of 2025: The legislation would require employers with more than 10 employees that do not sponsor a retirement plan to automatically enroll their employees in IRAs (automatic IRAs) or other automatic contribution plans or arrangements, like 401(k) plans.
This requirement does not apply to participants with balances below $200,000. 29.H.R.6729, S.1831 Auto Reenroll Act of 2025: This legislation amends the qualified automatic contribution arrangement (QACA) safe harbor in the tax code for 401(k) plans to allow for automatic periodic reenrollment into the plan. 30.H.R.7185 Home Savings Act: This legislation permits penalty-free withdrawals from a 401(k) account for up to five years when the funds are used for a down payment or closing costs on a primary residence.
The legislation also allows an individual to make a penalty-free 401(k) withdrawal and gift those funds to a relative, exempt from gift tax, provided the relative uses the money for a down payment or closing costs on a primary residence. 31.H.R.7362 Form 5500 Filing Simplification Act: This legislation extends the Form 5500 filing deadline to October 15 (for calendar year retirement plans), thus eliminating the need for an extension. 32.H.R.7556, S.2335 Pensions for All Act: This legislation requires every employer to provide to their employees a retirement program with benefits equivalent to the Federal Employees Retirement System (FERS) or to elect for their employees to participate in FERS. 33.General Accounts Product Corrections Act: This proposed legislation clarifies fiduciary responsibilities for life insurance companies as it relates to investments in their general accounts.
Monitor retirement issues, including the implementation of the SECURE 2.0 Act of 2022 in P.L. 117-328.
Monitor retirement issues, including the expansion of alternative investment options.
The bill would establish protections for individual rights with respect to computational algorithms.
Issue: Artificial Intelligence (AI).
H.R. __ - Responsible AI Disclosure Act.
The bill would require the Federal financial agencies to carry out a study and report on standardized descriptions for vendor-provided artificial intelligence systems.
S. 2750 - SANDBOX Act.
To require the Director of the Office of Science and Technology Policy to establish a Federal regulatory sandbox program for artificial intelligence.
H.R. 8413 - SECURE Data Act.
To establish a national framework for consumer privacy rights and the protection of personal data.
Issue: Data Privacy H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act.
The bill would make improvements to title V of the Gramm-Leach-Bliley Act.
S. 1582.
GENIUS Act.
This bill establishes a regulatory framework for payment stablecoins (digital assets which an issuer must redeem for a fixed value).
Issue: Digital Assets.
H.R.__ - Great American Artificial Intelligence Act.
H.R.___ and S.___ - Draft data privacy legislation.
Issue: Data Privacy H.R. __ - Draft cybersecurity legislation.