Legislative Activity

The Retirement Savings for Americans Act of 2025 establishes the American Worker Retirement Fund, a new, mandatory-enrollment retirement savings vehicle within the U.S. Treasury designed to help workers build protected savings through personal contributions and government matching credits. The bill also creates a governing Board to oversee the investment management system, imposing strict fiduciary duties on all administrators. Finally, it introduces a Government Match Tax Credit, which directly deposits a tiered government match into participants' accounts based on their savings rate and income level.

The Reduce Duplication and Improve Access to Work Act grants states the flexibility to transfer certain federal Social Security Act funds directly into workforce development programs under the Workforce Innovation and Opportunity Act (WIOA). This allows states to repurpose funds for job training and employment services, provided they adhere to specific planning and reporting requirements. These provisions are set to take effect starting October 1, 2026.

The Ensuring Opportunities in Online Training Act establishes new requirements for out-of-area online training providers seeking state funding for workforce program participants. This bill mandates that such providers must be officially listed on the specific state's registry of eligible training providers to receive payment. This ensures quality control and oversight for remote training options.

The Medicare Home Health Accessibility Act updates Medicare rules to explicitly include the need for occupational therapy as a valid basis for qualifying for home health services under both Part A and Part B. This change ensures that occupational therapy is treated equally alongside physical and speech therapy when determining eligibility for in-home care. These new provisions will take effect for services provided on or after January 1, 2026.

The "Workforce Reentry Act" aims to improve workforce reentry for ex-offenders by establishing the "ex-offenders Reentry Program Start-up Grants." These grants will be awarded to various entities, including nonprofits, local boards, and educational institutions, to provide skills development, job placement, and mentoring services to individuals recently released from prison or jail. The program prioritizes partnerships with businesses and educational institutions to offer training in high-demand occupations. Grantees must report on performance indicators, including recidivism rates, to ensure accountability and program effectiveness.

The ENABLE Act permanently extends provisions that allow for increased contributions to ABLE accounts, which are savings accounts for individuals with disabilities. It also allows penalty-free rollovers from 529 education savings accounts to ABLE accounts, providing greater flexibility in financial planning for families and individuals with disabilities. Additionally, the act includes contributions made to an ABLE account when calculating retirement savings contributions.

The Clock Hour Program Student Protection Act amends the Higher Education Act of 1965, Section 481(b) to allow training programs to exceed the state minimum for clock hours, up to 150% of the state or federal agency's minimum clock hour requirements, while still remaining eligible. This change applies to the 2024-2025 award year and beyond.

The "Improve and Enhance the Work Opportunity Tax Credit Act" amends the Internal Revenue Code to modify the Work Opportunity Tax Credit, changing the calculation and wage limitations based on employee categories and hours worked. It increases wage limitations for qualified veterans and revises rules for summer youth employees and long-term family assistance recipients. Additionally, the act removes the age limit for qualified supplemental nutrition assistance program benefits recipients, with these changes taking effect for individuals starting work after December 31, 2024.

The "Primary Care Enhancement Act of 2025" modifies the treatment of direct primary care (DPC) arrangements for health savings account (HSA) purposes. It excludes DPC arrangements from being considered a health plan under certain conditions, such as DPC arrangements solely covering primary care services from primary care practitioners for a fixed periodic fee, with limits on monthly fees, and it treats DPC fees as medical expenses. This act also mandates the reporting of DPC fees on W-2 forms and adjusts fee limits for inflation.

The "Main Street Tax Certainty Act" amends the Internal Revenue Code of 1986 to permanently extend the deduction for qualified business income. This removes the previous expiration date, providing long-term tax certainty for eligible businesses. The change applies to taxable years beginning after December 31, 2025.