# 119-hr-10220: SIMPLE Act

119-hr-10220, SIMPLE Act, is a 119th Congress bill sponsored by Rep. Bonamici, Suzanne [D-OR-1] (D-OR); status introduced; PRIA reads it as touching household money (as of 2026-09-12).

- Canonical: https://policyrisk.com/legislation/119-hr-10220
- As of: 2026-09-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10220
- Congress: 119
- Title: SIMPLE Act
- Status: introduced
- Introduced: 2026-09-02
- Sponsor: Rep. Bonamici, Suzanne [D-OR-1] (D-OR)
- Cosponsors: 6
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-09-12

## Summary

**Automatic income-driven repayment enrollment using IRS tax data** would identify delinquent and rehabilitating borrowers and pick the lowest monthly payment option across their loans. It would add two parallel tracks for borrowers at least 31 days delinquent and for those in loan rehabilitation. - Borrowers would get notices listing delinquent covered loans, nondelinquent covered loans, noncovered loans, eligible repayment plans, and estimated monthly payments. The Secretary would initially select the income-driven plan that yields the lowest monthly payment and could auto-enroll or adjust plans to lower payments. - Borrowers in rehabilitation would have income information obtained and be notified after the 6th rehab payment and offered plan selection after the 9th payment. They could switch plans and retain the right to opt out of tax-data sharing. - The Department would rely on IRS tax-return data, with borrower consent and opt-out protections, to determine income and family size. Automatic enrollment would begin July 1, 2028 for the 2028–2029 award year and related IRS disclosure changes would take effect after enactment.

## Cosponsors (6)

- Rep. McBath, Lucy [D-GA-6] (D-GA), 2026-09-02T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2026-09-02T00:00:00.000Z
- Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2026-09-02T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2026-09-02T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2026-09-02T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2026-09-02T00:00:00.000Z

## Provisions PRIA read

- Notices and automatic plans for late loans: benefit, medium. This bill would require the Education Department to send detailed notices to borrowers who are at least 31 days delinquent on a covered loan. The notice would list your delinquent covered loans, nondelinquent covered loans, and noncovered loans, and show eligible repayment plans and monthly payment…
- Keep $0 payments and switch plans: benefit, low. If your income-driven plan would calculate a $0 monthly payment and the Department cannot get your adjusted gross income, the bill would let the Department keep your payment at $0 without asking for ordinary income documents starting July 1, 2028 for the 2028–2029 award year. The bill would also le…
- IRS tax-data sharing for loan checks: mixed, low. The bill would let the IRS share tax return information with the Education Department when the Secretary makes a written request and you have certified approval. The IRS could only share the information that is needed to run the delinquency, rehabilitation, and IDR procedures and only for individua…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7973: Momnibus Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-10421: Transforming Education for the Future Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026

## Sources
- [119-hr-10220 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10220)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-10421: Transforming Education for the Future Act](https://policyrisk.com/legislation/119-hr-10421)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10220 (as of 2026-09-12).