# 119-hr-6685: To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.

119-hr-6685, To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment., is a 119th Congress bill sponsored by Rep. Finstad, Brad [R-MN-1] (R-MN); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6685
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6685
- Congress: 119
- Title: To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
- Status: introduced
- Introduced: 2025-12-12
- Sponsor: Rep. Finstad, Brad [R-MN-1] (R-MN)
- Cosponsors: 17
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Automatic enrollment for multiemployer plans.** This bill would add multiemployer retirement plans to the Internal Revenue Code's automatic enrollment rules, aligning their treatment with church plans. - Workers in multiemployer plans would be brought under the automatic enrollment rules, changing which participants may be enrolled by default. - Multiemployer plan sponsors and administrators would have to apply those automatic enrollment provisions for taxable years beginning after Dec 31, 2024. - The bill specifically amends section 414A(c)(3) to add references to multiemployer plans and to match the heading and text to church plans.

## Cosponsors (17)

- Rep. Carey, Mike [R-OH-15] (R-OH), 2025-12-12T00:00:00.000Z
- Rep. Boyle, Brendan F. [D-PA-2] (D-PA), 2025-12-12T00:00:00.000Z
- Rep. Larson, John B. [D-CT-1] (D-CT), 2025-12-12T00:00:00.000Z
- Rep. Fischbach, Michelle [R-MN-7] (R-MN), 2025-12-17T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-12-18T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2026-01-07T00:00:00.000Z
- Rep. Steil, Bryan [R-WI-1] (R-WI), 2026-01-16T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2026-02-02T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2026-03-03T00:00:00.000Z
- Rep. Tenney, Claudia [R-NY-24] (R-NY), 2026-03-03T00:00:00.000Z
- Rep. Malliotakis, Nicole [R-NY-11] (R-NY), 2026-05-14T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2026-05-14T00:00:00.000Z
- Rep. Stauber, Pete [R-MN-8] (R-MN), 2026-06-04T00:00:00.000Z
- Rep. Rulli, Michael A. [R-OH-6] (R-OH), 2026-07-20T00:00:00.000Z
- Rep. Wied, Tony [R-WI-8] (R-WI), 2026-07-27T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2026-07-30T00:00:00.000Z
- Rep. Morrison, Kelly [D-MN-3] (D-MN), 2026-08-17T00:00:00.000Z

## Provisions PRIA read

- Auto-enroll exception for multiemployer plans: mixed, low. This bill would let multiemployer retirement plans use the same exception to automatic enrollment that church plans have. If enacted, plans could avoid automatically enrolling workers into retirement contributions. That would affect participants, plan administrators, and employers in qualifying mul…

## Related bills

- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-1502: North Platte Canteen Congressional Gold Medal Act
- 119-hconres-4: Expressing the sense of Congress that tax-exempt fraternal benefit societies have historically provided and continue to provide critical benefits to the people…
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act

## Sources
- [119-hr-6685 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6685)

## Related
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-1502: North Platte Canteen Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1502)
- [119-hconres-4: Expressing the sense of Congress that tax-exempt fraternal benefit societies ha…](https://policyrisk.com/legislation/119-hconres-4)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6685 (as of 2026-09-21).