# 119-s-1222: Financial Freedom Act of 2025

119-s-1222, Financial Freedom Act of 2025, is a 119th Congress bill sponsored by Sen. Tuberville, Tommy [R-AL] (R-AL); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-1222
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1222
- Congress: 119
- Title: Financial Freedom Act of 2025
- Status: introduced
- Introduced: 2025-04-01
- Sponsor: Sen. Tuberville, Tommy [R-AL] (R-AL)
- Cosponsors: 3
- Policy area: Labor and Employment
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Expands participant control over self-directed retirement investments.** This bill would bar the Department of Labor from limiting the types or range of investments that fiduciaries can offer in retirement accounts where participants control the assets and would protect self-directed brokerage windows from regulatory limits. - Workers and savers: People with 401(k)-style or other individual-account plans would keep broader access to investment choices through self-directed brokerage windows, letting participants pick from a wider range of assets. - Plan fiduciaries and employers: Fiduciaries could offer more investment options without being required to favor or disfavor particular types, and the bill says selecting a self-directed brokerage window or a participant's use of it does not by itself violate ERISA's prudence or diversification duties. - The Secretary of Labor and regulators: The bill would prevent the Secretary from issuing regulations or guidance that restrict the range or type of investments available through a self-directed brokerage window.

## Cosponsors (3)

- Sen. Lummis, Cynthia M. [R-WY] (R-WY), 2025-04-01T00:00:00.000Z
- Sen. Justice, James C. [R-WV] (R-WV), 2025-04-01T00:00:00.000Z
- Sen. Scott, Rick [R-FL] (R-FL), 2025-04-01T00:00:00.000Z

## Provisions PRIA read

- More investment choice for retirement savers: mixed, low. If enacted, this bill would protect self-directed brokerage windows in employer retirement plans that let participants control their accounts. It would say a fiduciary need not pick or favor particular investments so long as participants can choose from a broad range. The bill would bar the Secreta…

## Related bills

- 119-s-1748: Kids Online Safety Act
- 119-s-3752: SAVE America Act
- 119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-1162: SHORT Act
- 119-s-401: Fair Access to Banking Act

## Sources
- [119-s-1222 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1222)

## Related
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-3752: SAVE America Act](https://policyrisk.com/legislation/119-s-3752)
- [119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026](https://policyrisk.com/legislation/119-s-5025)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-1162: SHORT Act](https://policyrisk.com/legislation/119-s-1162)
- [119-s-401: Fair Access to Banking Act](https://policyrisk.com/legislation/119-s-401)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1222 (as of 2025-12-21).