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To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
Summary
This bill amends the Internal Revenue Code to add multiemployer plans to an existing exception from automatic enrollment requirements for retirement plans. Currently, church plans are exempt from certain automatic enrollment requirements, and this bill extends that same exemption to multiemployer plans. Multiemployer plans are typically pension plans jointly sponsored by multiple employers, often in specific industries or through unions. The amendment applies to taxable years beginning after December 31, 2024.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Finstad, Brad [R-MN-1] (R-MN)
15 cosponsors
- Rep. Boyle, Brendan F. [D-PA-2] (D-PA)
- Rep. Carey, Mike [R-OH-15] (R-OH)
- Rep. Craig, Angie [D-MN-2] (D-MN)
- Rep. Davis, Danny K. [D-IL-7] (D-IL)
- Rep. Fischbach, Michelle [R-MN-7] (R-MN)
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA)
- Rep. Larson, John B. [D-CT-1] (D-CT)
- Rep. Malliotakis, Nicole [R-NY-11] (R-NY)
- Rep. Rulli, Michael A. [R-OH-6] (R-OH)
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA)
- Rep. Stauber, Pete [R-MN-8] (R-MN)
- Rep. Steil, Bryan [R-WI-1] (R-WI)
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY)
- Rep. Tenney, Claudia [R-NY-24] (R-NY)
- Rep. Wied, Tony [R-WI-8] (R-WI)
Actions (2)
- Dec 12, 2025 Referred to the House Committee on Ways and Means. · house
- Dec 12, 2025 Introduced in House
Similar bills (6)
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Full text
IN THE HOUSE OF REPRESENTATIVES
December 12, 2025
Mr. Finstad (for himself, Mr. Carey, Mr. Boyle of Pennsylvania, and Mr. Larson of Connecticut) introduced the following bill; which was referred to the Committee on Ways and Means
A BILL
To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. EXCEPTION TO REQUIREMENTS RELATED TO AUTOMATIC ENROLLMENT.
(a) In General.—Section 414A(c)(3) of the Internal Revenue Code of 1986 is amended—
(1) in the heading, by striking “and church plans” and inserting “church plans, and multiemployer plans”, and
(2) by striking “or any church plan (within the meaning of section 414(e))” and inserting “any church plan (within the meaning of section 414(e)), or any multiemployer plan (as defined in section 414(f)).”.
(b) Effective Date.—The amendments made by this section shall apply to taxable years beginning after December 31, 2024. <all>
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