# 119-hr-6417: Emergency Savings Enhancement Act of 2025

119-hr-6417, Emergency Savings Enhancement Act of 2025, is a 119th Congress bill sponsored by Rep. Vindman, Eugene Simon [D-VA-7] (D-VA); status introduced; PRIA reads it as touching household money (as of 2026-09-29).

- Canonical: https://policyrisk.com/legislation/119-hr-6417
- As of: 2026-09-29
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6417
- Congress: 119
- Title: Emergency Savings Enhancement Act of 2025
- Status: introduced
- Introduced: 2025-12-03
- Sponsor: Rep. Vindman, Eugene Simon [D-VA-7] (D-VA)
- Cosponsors: 1
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-09-29

## Summary

**Raises the cap for pension-linked emergency savings to $5,000 and makes eligibility based on each plan's rules.** This bill would change ERISA and the tax code so defined contribution plans can offer larger emergency savings accounts that follow plan-specific age, service, and other eligibility requirements. - Workers and households: Workers could save up to $5,000 in a pension-linked emergency account instead of $2,500 if their plan permits it, giving people more room to build short-term cash inside their retirement plan. - Plan sponsors: Employers and plan managers would set who qualifies by using their plan's age, service, and other rules rather than a separate statutory eligibility test. - Tax rules and timing: The Internal Revenue Code limit would also rise to $5,000 so tax and ERISA definitions match, and the changes apply for taxable years beginning after December 31, 2026, covering plan years that start in 2027.

## Cosponsors (1)

- Rep. Thompson, Glenn [R-PA-15] (R-PA), 2025-12-03T00:00:00.000Z

## Provisions PRIA read

- Higher emergency savings cap for workers: mixed, high. If enacted, the bill would raise the emergency savings cap inside some workplace retirement plans from $2,500 to $5,000. If enacted, whether you are eligible would be set by your plan's age, service, and other rules. This would affect workers in defined contribution plans and the employers who run…

## Related bills

- 119-hr-7567: Farm, Food, and National Security Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026

## Sources
- [119-hr-6417 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6417)

## Related
- [119-hr-7567: Farm, Food, and National Security Act of 2026](https://policyrisk.com/legislation/119-hr-7567)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6417 (as of 2026-09-29).