# 119-hr-1436: ENABLE Act

119-hr-1436, ENABLE Act, is a 119th Congress bill sponsored by Rep. Smucker, Lloyd [R-PA-11] (R-PA); status introduced; PRIA reads it as touching household money (as of 2026-08-05).

- Canonical: https://policyrisk.com/legislation/119-hr-1436
- As of: 2026-08-05
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1436
- Congress: 119
- Title: ENABLE Act
- Status: introduced
- Introduced: 2025-02-18
- Sponsor: Rep. Smucker, Lloyd [R-PA-11] (R-PA)
- Cosponsors: 24
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-08-05

## Summary

**Would permanently extend increased ABLE account contributions.** The ENABLE Act would remove the sunset on larger ABLE contributions, make 529-to-ABLE rollovers permanent, and broaden the Saver's Credit to cover ABLE deposits and certain other retirement savings.

## Cosponsors (24)

- Rep. Beyer, Donald S. [D-VA-8] (D-VA), 2025-02-18T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-02-18T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-02-18T00:00:00.000Z
- Rep. Stauber, Pete [R-MN-8] (R-MN), 2025-02-18T00:00:00.000Z
- Rep. Rogers, Mike D. [R-AL-3] (R-AL), 2025-02-18T00:00:00.000Z
- Rep. Foster, Bill [D-IL-11] (D-IL), 2025-02-18T00:00:00.000Z
- Rep. Miller, Carol D. [R-WV-1] (R-WV), 2025-02-18T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-02-18T00:00:00.000Z
- Rep. Schmidt, Derek [R-KS-2] (R-KS), 2025-02-18T00:00:00.000Z
- Rep. Murphy, Gregory F. [R-NC-3] (R-NC), 2025-02-21T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2025-03-10T00:00:00.000Z
- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2025-03-21T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-05-05T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2025-05-05T00:00:00.000Z
- Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-05-13T00:00:00.000Z
- Rep. Taylor, David J. [R-OH-2] (R-OH), 2025-05-21T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-06-11T00:00:00.000Z
- Rep. Carey, Mike [R-OH-15] (R-OH), 2025-06-12T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-06-20T00:00:00.000Z
- Rep. Landsman, Greg [D-OH-1] (D-OH), 2025-06-23T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2025-06-26T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-09-23T00:00:00.000Z
- Rep. Scholten, Hillary J. [D-MI-3] (D-MI), 2026-07-06T00:00:00.000Z
- Rep. Keating, William R. [D-MA-9] (D-MA), 2026-08-03T00:00:00.000Z

## Provisions PRIA read

- Saver's Credit would count ABLE savings: benefit, high. If enacted, the Saver's Credit would count what you put into your own ABLE account. This would apply for tax years ending after the bill is enacted. For tax years beginning before January 1, 2027, you could also count certain IRA contributions, workplace retirement deferrals, and voluntary plan con…
- Permanent ABLE limits and 529 rollovers: benefit, medium. If enacted, the higher ABLE contribution rule would become permanent for tax years ending after enactment. You could keep using the larger contribution amount. The bill would also permanently allow rollovers from 529 college plans to ABLE accounts for distributions made after enactment. This could…
- Technical repeal of SECURE 2.0 retirement rule: mixed, low. If enacted, a narrow retirement rule in the SECURE 2.0 law would be repealed. The tax code would be applied as if that paragraph never existed. This would apply for tax years ending after enactment. If you were affected by that rule, your retirement tax treatment could change.

## Related bills

- 119-hr-8800: National Defense Authorization Act for Fiscal Year 2027
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025

## Sources
- [119-hr-1436 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1436)

## Related
- [119-hr-8800: National Defense Authorization Act for Fiscal Year 2027](https://policyrisk.com/legislation/119-hr-8800)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1436 (as of 2026-08-05).