Advancing Policy Priorities Act

Sponsor: Seth Magaziner (Democratic-RI)February 2, 2026

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Referred to the Committee on Ways and Means, and in addition to the Committees on Veterans' Affairs, Armed Services, Energy and Commerce, Transportation and Infrastructure, Financial Services, Education and Workforce, Oversight and Government Reform, Foreign Affairs, Agriculture, Natural Resources, Small Business, Science, Space, and Technology, the Judiciary, Homeland Security, Intelligence (Permanent Select), House Administration, Rules, Ethics, the Budget, and Appropriations, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Boosts retirement savings, supports veterans, and increases penalties for human trafficking near schools.

This bill would make it easier for many Americans to save for retirement by expanding automatic enrollment in workplace plans and offering new tax credits for small businesses. It would also improve support for veterans seeking apprenticeships and entrepreneurship. Additionally, it would strengthen protections against human trafficking and child exploitation near schools and colleges.

What Would Change

Today, many workers are not automatically enrolled in workplace retirement plans, and there are fewer incentives for small businesses to offer them. After this bill, more workers would be automatically enrolled. Small businesses would also get new tax credits for offering plans and hiring military spouses. Currently, federal employees injured on duty might face retirement benefit changes if they switch jobs, but this bill would allow their service to count more favorably. Also, there are no specific penalty-free retirement withdrawals for domestic abuse victims, which this bill would create.

Key Provisions

Requires most new 401(k) and 403(b) plans to automatically enroll employees, with contributions starting at 3% and increasing to at least 10% (up to 15%).
Lets employers make matching retirement contributions for employees who are paying off student loans, treating those payments like regular contributions.
Increases the age when people must start taking money from their retirement accounts, gradually raising it from 72 to 75.
Creates new tax credits for small businesses that offer retirement plans and for those that hire military spouses.
Allows people to withdraw up to $10,000 from their retirement plans without penalty in cases of domestic abuse, with the option to repay the amount within three years.

View on Congress.gov

HR 7315 · 119th Congress · February 2, 2026 · AI Summary by gemini-2.5-flash · 8/10

Advancing Policy Priorities Act

What Would Change

Key Provisions

Lobbying Activity