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Congress and the Evolving SECURE Act
The Setting Every Community Up for Retirement Enhancement Act, or the SECURE Act, was passed in late 2019. Lawmakers at the time said they weren't done and have since proposed more changes.
With a 414 to 5 vote, the House of Representatives recently approved a second bill — the Securing a Strong Retirement Act of 2022 — that would continue to tweak the rules for contributing to and withdrawing from retirement savings vehicles. Nicknamed SECURE 2.0, the legislation was introduced by Reps. Richard Neal (D-MA) and Kevin Brady (R-TX), the two Congressmen who spearheaded passage of the original SECURE Act. The bill aims to encourage Americans to save more for retirement, in part by making that process easier. Now that SECURE 2.0 has passed the House, it's on its way to the Senate. The most recent iteration, the Enhancing American Retirement Now (EARN) Act, sailed through the Senate Finance Committee on June 22 on a vote of 28 to 0. (Prior coverage: Tax Notes Federal, June 27, 2022, p. 2067.) At the markup hearing on June 22, senators touted various aspects of the more than 70 provisions in the proposal. The text of the Act is available at https://bit.ly/3PjX7rj
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