# 119-hr-7315: Advancing Policy Priorities Act 119-hr-7315, Advancing Policy Priorities Act, is a 119th Congress bill sponsored by Rep. Magaziner, Seth [D-RI-2] (D-RI); status in_committee; PRIA reads it as touching household money (as of 2026-09-10). - Canonical: https://policyrisk.com/legislation/119-hr-7315 - As of: 2026-09-10 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-7315 - Congress: 119 - Title: Advancing Policy Priorities Act - Status: in_committee - Introduced: 2026-02-02 - Sponsor: Rep. Magaziner, Seth [D-RI-2] (D-RI) - Cosponsors: 0 - Policy area: Government Operations and Politics - Touches household money: yes - Last recorded action: 2026-09-10 ## Summary **Retirement savings and worker protections** are the bill's center. It would expand automatic enrollment and small‑employer credits, add retirement protections for federal employees injured on duty, and link veterans to registered apprenticeships. - Veterans and transitioning service members would gain clearer access to apprenticeships. The Department of Labor and Veterans Affairs must list registered apprenticeship programs on a public site with program descriptions, veteran costs, endorsements, contact info, occupation and location search. - Workers and savers would see stronger default retirement rules. Plans with automatic enrollment would start at a minimum of 3% of pay and may rise by 1 percentage point each year under the bill's escalation rules. - Federal employees hurt on duty and plan sponsors would get new protections and incentives. The bill would let certain non‑covered service count as covered service for retirement credit and sets a 3‑day break‑in‑service limit for eligibility; it would also increase small employer startup credits up to 100% and let employers treat student‑loan payments as matching contributions. ## Provisions PRIA read - Bigger saver's credit and family relief: benefit, high. If enacted, the Saver's Credit rate would rise to 50% for eligible taxpayers, with income thresholds set at $48,000 for joint filers (and scaled amounts for other filers) for tax years after Dec. 31, 2028. The bill would also create a penalty-free early-withdrawal option for victims of domestic abu… - Retirement tax and penalty relief: benefit, high. If enacted, taxpayers could make a one-time election to treat up to $50,000 of direct IRA trustee distributions to qualifying split-interest trusts as qualified charitable distributions. The bill would cut the excise tax on missed required minimum distributions from 50% to 25%, and to 10% if the sh… - Bigger small-employer startup credit: benefit, high. If enacted, small employers would get a larger startup tax credit for creating or joining retirement plans. Employers that qualify under a 50-employee test could use a 100% credit rate, and the bill creates an extra per-employee credit based on employer contributions limited to $1,000 per employee… - Default 401(k)/403(b) enrollment boosts: benefit, medium. If enacted, many 401(k) and 403(b) plans would have to auto-enroll workers for plan years after Dec. 31, 2025. The default must start at least 3% of pay and rise by 1 percentage point each year until at least 10% (with limits on how high it can go). The bill would also allow small financial sign-up… - Fixes, recoveries, and penalty relief: benefit, medium. If enacted, the bill would let many plans and IRAs self-correct eligible inadvertent errors and expand safe harbors for loan and rollover mistakes. It would limit how plans recover inadvertent pension overpayments (no interest, a 10% annual cap for steady payments, and a 90% floor), and treat only… - Retirement credit for duty-disabled federal workers: benefit, medium. If enacted, certain federal employees who suffer qualifying duty-related illness or injury and move without a break to a non-covered job in the same agency would have that later service treated as if it were covered service for retirement and withholding purposes. The rule applies only when the age… - Rules for multi-employer and pooled plans: benefit, medium. If enacted, the bill would let 403(b) annuity contracts bought under plans run by more than one employer be treated as valid 403(b) plans and treat such multi-employer arrangements as a single plan for registration and reporting. Pooled employer plans would have to name a non-employer fiduciary to… - Tax break for some firefighters: benefit, medium. If enacted, the bill would expand the 10% early-withdrawal penalty exception for firefighters to cover certain private-sector firefighter plan distributions made after Dec. 31, 2024. Eligible employees who provide firefighting services and meet plan rules could avoid the early distribution penalty… - Help for veteran entrepreneurs and employers: benefit, medium. If enacted, the bill would create a Boots to Business entrepreneurship program to train service members, veterans, TAP participants, and their spouses through September 30, 2028. Grants to local resource partners and outreach would be allowed, but grants depend on Congress approving money. The bill… - Late retirement deferrals for sole proprietors: benefit, medium. If enacted, sole proprietors who own the entire business and are the only employee would be able to treat elective deferrals made before their tax filing deadline as having been made in the plan's first plan year. This lets some sole proprietors make late deferrals count for the earlier plan year.… - Tougher penalties for crimes near schools: benefit, medium. If enacted, the bill would add an extra prison term of up to five years for coercion or enticement crimes and for human trafficking when the offense occurs in a school zone, within 1,000 feet of a school activity, or on or within 1,000 feet of college property. The enhancement applies only when the… - Veteran apprenticeship and transition help: benefit, low. If enacted, the bill would require a public, searchable site listing registered apprenticeship programs, costs to veterans, veteran endorsements, hiring preferences, and credentials. It would also require transition counselors to include registered apprenticeship programs when advising separating s… - Privacy rule for House whistleblowers: benefit, low. If enacted, the House would be barred from knowingly and willfully publicly disclosing the identity or personal information of individuals who report wrongdoing under certain whistleblower laws. Exceptions include written consent by the individual, public self-disclosure, and a committee chair afte… - Study on museum and NASA lease extra year: benefit, low. If enacted, an eight-member Commission would study creating a National Museum of Asian Pacific American History and Culture and must report on feasibility, fundraising plans, and independent review within 18 months of its first meeting. The Commission would not be allowed to obligate Federal funds… - Reports and rules on supply chains and DHS gear: benefit, low. If enacted, DHS would be required to use a uniform review process for grant requests to buy non‑standard equipment and the DHS Inspector General must report to Congress within three years on how the review worked. The Federal Maritime Commission would seek a research agreement within 90 days to stu… - Small FY2026 agency funding boosts: benefit, low. If enacted, the bill would add $1,000,000 each to several agencies for fiscal year 2026, including a Telehealth Resource Center, USDA Office of Budget and Program Analysis, State Department Capital Investment Fund, Army operations and maintenance, DHS Management Directorate, and the Energy Informat… - Livestock reporting requirement extended: cost, low. If enacted, the bill would extend mandatory livestock reporting requirements by changing statutory references from 2024 to 2025. Producers and packers required to report would need to continue complying for one more year. The change takes effect on enactment. - New Roth, catch-up, and RMD rules: mixed, high. If enacted, the bill would let SIMPLE plans and SEP IRAs offer Roth-designated contributions starting for tax years after Dec. 31, 2024, and allow employers to designate Roth matching contributions (which would be taxable when made). It would raise IRA catch-up indexing after 2025 and set higher ca… - Business and investor tax rules changed: mixed, medium. If enacted, sellers of S-corporation stock to ESOPs would be limited to deferring gain on at most 10% of the sale for qualifying elections made after Dec. 31, 2029. The bill also changes family ownership attribution rules so some family stock ownership would not automatically merge separate corpora… - Changes to financial product and market rules: mixed, medium. If enacted, the bill would add tests for when ESOP-held company shares count as publicly traded for valuation (applying after Dec 31, 2029). The Treasury would be directed to allow exchange-traded funds to be investment options in variable annuity and life contracts, with rules for authorized parti… - Clearer pension notices and search tool: mixed, low. If enacted, the Labor Department would build an online "Retirement Savings Lost and Found" to help you find plan administrators within two years of enactment. The agencies would also review and recommend better pension reporting and disclosure within two years. At the same time, the bill lets plans… - Timing rules for public-sector deferrals: mixed, low. If enacted, the timing rule for when government 457(b) plan deferral agreements must be made would change. Some eligible public employers would require deferral agreements before pay is currently available; other employers would require agreements before the month for which deferral applies. The ch… ## Related bills - 119-hr-7314: Advancing Commonsense Policies Act - 119-hr-7977: Energy Bills Relief Act - 119-hr-7481: Department of Homeland Security Appropriations Act, 2026 - 119-hr-7973: Momnibus Act - 119-hr-2945: Housing for All Act of 2025 - 119-hr-5658: Child Care for Every Community Act ## Sources - [119-hr-7315 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7315) ## Related - [119-hr-7314: Advancing Commonsense Policies Act](https://policyrisk.com/legislation/119-hr-7314) - [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) - [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973) - [119-hr-2945: Housing for All Act of 2025](https://policyrisk.com/legislation/119-hr-2945) - [119-hr-5658: Child Care for Every Community Act](https://policyrisk.com/legislation/119-hr-5658) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-7315 (as of 2026-09-10).