FEC filings through Oct 14, 2026 · FEC bulk filing data · committee C00068528 · files monthly
SummaryAt a glance
Why it exists
No statement of purpose found on its site.
Money
$526.1K raised, $402.6K spent, $930.4K cash on hand (through Oct 14, 2026). Where it comes from
Who funds it
85% from donors giving over $200 · 15% from donors giving $200 or less · largest donor Dawn M. Behnke, $7.9K. See who funds it
Where it goes
$402.5K given to candidates and committees, the largest to NRSC ($15K) · 44% of its support to Democrats, 41% to Republicans. See where it goes
Lobbying
Pacific Life Insurance Co. lobbied on 6 issues. See lobbying
Its wordsWhat does this committee say it is for?
No published list of positions
This committee’s site publishes no list of positions we could read, and we found no statement of why it exists. We do not write one for it.
Who it gives toWhich candidates and committees get its money?
Each part reads different filings, so counts and totals can differ.
Party support distribution$257.5K to 62 candidates
Direct PAC contributions and independent expenditures explicitly reported as support, by the party of the candidate they went to.
For candidates $257,500
Democratic 44%
Republican 41%
Other or unresolved 15%
Support by the party of the candidate
Party of the candidate
Candidates
Direct
Independent
Amount
Share
Democratic
27
$113,000
$0
$113,000
44%
Republican
25
$106,000
$0
$106,000
41%
Other or unresolved
10
$38,500
$0
$38,500
15%
Shown support
62
$257,500
$0
$257,500
100%
Contributions are reported money, not endorsements; a PAC giving to both parties is common.
Who this PAC gave to$402,500 in 140 payments
Every contribution on line 23 of the committee’s own Schedule B, which is the filing its summary totals are built from. That line covers federal candidates, party committees and other political committees alike, so a super PAC funding other super PACs appears here rather than under candidate giving.
By recipient
Line 23 contributions by kind and party of recipient
Recipient
Count
Amount
Democratic candidates
27
$113K · 28%
Republican candidates
25
$106K · 26%
Other or unresolved candidates
10
$38.5K · 9.6%
Other party committees
1
$15K · 3.7%
Other PACs and committees
22
$130K · 32%
All recipients
85
$402.5K
By the candidate’s state
Contributions to candidates by the candidate’s state
State
Candidates
Amount
California
8
$41K
Nebraska
5
$33K
New York
7
$25K
Pennsylvania
2
$15K
Texas
3
$15K
Kentucky
3
$15K
Missouri
1
$10K
Michigan
4
$6.5K
The largest 8 of 33 states.
Recipients 85
Show candidate activity and the money network
Candidate and election activity as the recipients filed it
Mike Flood3 receipts, latest Jun 17, 2026Mike Flood for Congress · H2NE01118$10K
Brendan F. Boyle3 receipts, latest Sep 1, 2026Citizens for Boyle · H4PA13199$10K
Jason T. Smith2 receipts, latest Mar 30, 2026Jason Smith for Congress · H4MO08162$10K
John Cornyn2 receipts, latest May 20, 2026Texans for Senator John Cornyn Inc. · S2TX00106$10K
Young Kim2 receipts, latest Sep 30, 2025Young Kim for Congress · H8CA39240$10K
Candidate contribution rows come from candidate committee Schedule A filings, the same rows the party chart above counts.
Committee money network
Money moving between this committee and other committees, matched on FEC committee ID rather than the name each filing was typed under. Both sides exclude memo entries. The figures here count each committee once, from the itemized transfers read for this section, so they will not match the payment counts under Who this PAC gave to.
Committees funding this one
Committees that reported giving to this one on their own Schedule A filings, grouped by the giver’s committee ID.
No committee-to-committee receipts were itemized this cycle.
Committees this one funds
Disbursements this committee itemized to another committee: candidate contributions, party transfers and payments alike, not contributions only.
Committees this one funds
Name
Amount
NRSCParty committee (qualified) · Connected to YOUNG VICTORY COMMITTEE · 1 payment
John M. Waldeck19 contributions, latest Jul 31, 2026 · VP COMMERCIAL MORTGAGE PORTFOLIO · PACIFIC LIFE · LADERA RANCH, CA$7,904
Brian T. Woolfolk19 contributions, latest Jul 31, 2026 · EVP INSTITUTIONAL DIVISION · PACIFIC LIFE · ELKHORN, NE$7,904
Laura Cushing15 contributions, latest Aug 31, 2026 · EVP & CHIEF HUMAN RESOURCES OFFICER · PACIFIC LIFE INSURANCE COMPANY · NEWPORT BEACH, CA$6,240
Tom Gibbons14 contributions, latest Feb 27, 2026 · SVP STRATEGY, DEVELOPMENT & TAX · PACIFIC LIFE · NEWPORT BEACH, CA$5,824
Carol A. Jensen19 contributions, latest Jul 31, 2026 · NATL SLS MGR M CHANNEL · PACIFIC LIFE · EDMONDS, WA$5,700
Tim N. Shaheen19 contributions, latest Jul 31, 2026 · SVP STRATEGIC INITIATIVES · PACIFIC LIFE · LAGUNA NIGUEL, CA$5,700
Tod Nasser12 contributions, latest Dec 31, 2025 · EVP & CHIEF INVESTMENT OFFICER · PACIFIC LIFE · NEWPORT BEACH, CA$4,992
Jay Orlandi12 contributions, latest Dec 31, 2025 · EVP & GENERAL COUNSEL · PACIFIC LIFE · NEWPORT BEACH, CA$4,992
A donor who gave several times appears once. The 12 largest donors by total given are listed. In all, 2,933 itemized contributions were filed this cycle, totaling $425.1K. FEC contributor lists are public records and cannot be used for commercial solicitation.
Unitemized ($200 or less)Donors who have given $200 or less this cycle, so the FEC does not itemize (name) them.$77,65115%
Total reported receipts $526,064
Every dollar the committee reported receiving this cycle, split by the source the FEC filing attributes it to. Open a source marked + to see who gave. FEC filings through Oct 14, 2026.
Who donated: where they live, their employers and jobs
Where the donors live $425,135 placed by state
Loading the map
Tap or hover over a state, or focus the map and use the arrow keys, to read its total. Ctrl or ⌘ and scroll to zoom.
under $10.2K
$10.2K+
$40.7K+
$91.6K+
$162.9K+
none
Top states
Top donor states
Name
Amount
California1,820 contributions · 60%
$254,555
Nebraska82 contributions · 4.2%
$18,064
Illinois72 contributions · 2.9%
$12,270
North Carolina68 contributions · 2.8%
SpendingWhere does the money go?
How the spending splits $402,600 reported
Contributions to candidates and other committeesMoney given to federal candidates, party committees and other PACs.$402,50099.9%
Paid to
NRSC1 payment · latest Jun 23, 2025 · CONTRIBUTION$15,000
Contribution refundsMoney returned to the people and committees that gave it.$100<0.1%
Total reported disbursements $402,600
Every dollar this committee reported spending this cycle, split by the lines it reports against. Open a line to see who was actually paid on it. FEC filings through Oct 14, 2026.
What the payments were for $402,500 itemized
Given to othersContributions to other candidates, party committees, and PACs.$402,500100%
Filed as
CONTRIBUTION$402,500
Paid to
NRSC$15,000
Maintaining Integrity in Our Nation PAC$10,000
Insured Retirement Institute PAC$10,000
American Council of Life Insurers PAC$10,000
Forever Youth Organization Utilizing a New Generation PAC$10,000
Aspire PAC$10,000
Total itemized disbursements $402,500
Every itemized payment the committee reported this cycle, sorted by what it said each one was for. The categories are ours; the wording they are matched against is the committee’s own. Open a category to read the filed descriptions and who was paid. FEC filings through Oct 14, 2026.
All 140 itemized payments filed this cycle. Spending below the itemization threshold is not filed line by line.
$407.6K spent from Jan 2025 to Oct 2026. Most in one report: $76K, June 2026.
$407.6K
Jan 2025Oct 2026
The running total of what the committee’s FEC reports say it spent, independent expenditures included, with a point at the end of each report. The line is straight between reports because a report gives one total for its whole period.
What Pacific Life Insurance Company lobbies on 2026 reports
Besides giving through its PAC, Pacific Life Insurance Company pays lobbyists to press Congress and federal agencies. Each quarter it, or a firm it hires, files a public report under the Lobbying Disclosure Act saying which topics it worked on, what it spent, and whom it contacted. This is what those reports say.
Spent on lobbying in 2026
$1.3M
Quarterly reports read
6
Bills it named
57
Topics it lobbied on
Each report files its work under official topics. The bar shows how often each topic came up across the reports; open one to read what was filed under it. Naming a bill says the organization lobbied on it, not which side it took.
Financial Institutions/Investments/Securitiesin 6 report entries · 8 bills named
In its own words
H.R.1777/S. 1561 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act.
To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce.
Issue: remote online notarization H.R. 2441/ - Improving Disclosure for Investors Act - This bill requires the SEC to propose and finalize rules to allow entities to deliver regulatory documents to investors electronically.
Issue: Electronic delivery.
H.R. 1013/S.424 - Retirement Fairness for Charities and Educational Institutions Act of 2025 - The bill would allow 403(b) plans to invest in Collective Investment Trusts or Separate Accounts that establishes investment parity with other defined contribution plans, like 401(k)s.
Issue: Retirement security H.R. 3682/S. 3578 - Financial Stability Oversight Council Improvement Act of 2025.
This bill will restore transparency to FSOC by imposing procedural guardrails, including enhanced due process protections, and a stronger analytic framework before a firm can be designated as systemically important.
Issue: Dodd-Frank Act reform.
H.R. 6644 - 21st Century ROAD to Housing Act - This bill revises federal housing programs.
Issue: prohibition on investor ownership of homes H.R.__/S. __ SAFE Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
Issue: Cannabis legislation S. __ - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
Issue: Cannabis legislation.
H.R. __ - Expanding Access to Capital Act - This bill reduces various securities regulations applicable to certain companies, brokers, and advisors.
The bill also allows more investors to invest in specified types of ventures.
Issue: Capital reform.
H.R. ____ the Consumer-Led Enhancement of Annuity and Insurance Registration (CLEAR) Forms Act: This bill would require the SEC to create forms for non-variable registered annuities and life insurance products.
S. __ - Protecting Innovation in Investment Act - To prohibit the Securities and Exchange Commission from finalizing, implementing, or enforcing a proposed rule with respect to conflicts of interest associated with the use of predictive data analytics by broker-dealers and investment advisers.
Issue: Predictive data analytics.
Issue: FHLBank System Issue: Regulation Best Interest Issue: Commercial mortgage-backed security (CMBS) debt.
No bill number assigned.
Issue: Unclaimed life insurance products.
Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance.
Issue: Government Sponsored Enterprises (GSE) reform.
H.R.__/S. __ SAFE Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses.
HR 2441 -- Improving Disclosure for Investors Act of 2025 -- modernize investor disclosure requirements by allowing broader use of electronic delivery and streamlined disclosure methods.
HR 6644 -- 21st Century ROAD to Housing Act -- expand and modernize housing finance programs to improve access to affordable housing and homeownership opportunities.
DRAFT -- FHLB Membership Clarification Act -- clarify that insurance companies and other eligible financial institutions remain qualified members of the Federal Home Loan Bank system.
Issue -- Home Mortgage Disclosure Act (HMDA) Reporting
Tax and finance issues affecting the insurance industry, including the provision proposed in SECURE 2.0 that would have provided federal securities law exemptions for certain investments by retirement plans under Section 403(b) of the Internal Revenue Code (the Code) to achieve parity with the exemptions provided for investments by other types of retirement plans.
Advocacy for the continued funding of the Federal Insurance Office at the Department of Treasury.
Taxation/Internal Revenue Codein 6 report entries · 4 bills named
In its own words
HR 254/S 1335 -- Secure Family Futures Act - adjust the tax treatment of insurance company debt investments Issue -- Insurance Company Life/Non-Life Consolidated Returns S 4279 -- Protecting Proper Life Insurance from (PPLI) Abuse Act - impose reporting requirements and amend tax treatment of private placement life insurance
S.__ - Protecting Proper Life Insurance from (PPLI) Abuse Act. (This bill would restrict the use of private placement life insurance) H.R. 2547 Secure Family Futures Act (Ordinary treatment bill)
Tax and finance issues affecting the insurance industry.
Consumer Issues/Safety/Productsin 3 report entries · 3 bills named
In its own words
S. __ - Data Care Act.
The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority.
Issue: Data Privacy H.R.__/S.__ Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements.
Issue: Data Privacy S. 1582.
GENIUS Act.
This bill establishes a regulatory framework for payment stablecoins (digital assets which an issuer must redeem for a fixed value).
Issue: Digital Assets.
S.2164 - Algorithmic Accountability Act.
This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes.
Issue: Algorithmic Accountability.
H.R. __ - Responsible AI Disclosure Act.
The bill would require the Federal financial agencies to carry out a study and report on standardized descriptions for vendor-provided artificial intelligence systems.
Issue: Artificial Intelligence (AI).
Insurancein 3 report entries · 16 bills named
In its own words
H.R. 4735/S. 2419 - Business of Insurance Regulatory Reform Act (To amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator.
Issue: Business of Insurance.) H.R. 643 FIO Elimination Act (This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury.
The bill also removes the FIO director as a nonvoting member of the Financial Stability Oversight Council.) S. 1544/H.R. 3437 - Insurance Data Protection Act.
To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company.
Issue: FIO Reform H.R. 4583 and H.R. 4582/S.1552 - Living Donor Protection Act.
The bill would promote and protect from discrimination living organ donors.
Issue: underwriting.
H.R. 3383 - Incentivizing New Ventures and Economic Strength Through Capital Formation (INVEST) Act of 2025.
This bill allows a closed-end fund-a portfolio of pooled assets with a limited number of shares traded on an exchange-to increase its investment in private investment funds.
Specifically, the Securities and Exchange Commission is prohibited from limiting the sale or listing of securities of a closed-end fund that invests in private investment funds.
Retirementin 3 report entries · 29 bills named
In its own words
H.R.1013, S.424 Retirement Fairness for Charities and Educational Institutions Act of 2025: Allows 403(b) retirement plans to invest in Collective Investment Trust or Separate Accounts Insurance Products to establish investment parity with other defined contribution plans, like 401(k)s.
H.R. 2082-WISH Act-- provide for long-term care insurance benefits H.R.2089 Generating Retirement Ownership through Long-Term Holding (GROWTH): The legislation provides that reinvested mutual fund dividends are not subject to capital gains taxation until the investor sells his or her shares.
H.R.2163 No Penalties for Victims of Fraud Act: The bill ensures that victims of retirement account fraud are not subject to the 10% additional income tax on early retirement plan distributions.
H.R.2696/ S.1526 - Retirement Savings for Americans Act This legislation establishes a federally run American Worker Retirement Plan for private-sector workers that do not have access to a workplace-based retirement plan.
H.R.2748 First Time Homeowner Savings Plan Act: This legislation increases the amount first-time homebuyers could pull from their retirement savings from the $10,000 set in the 1990s to $25,000 (indexed to inflation) without the 10% additional income tax on early retirement plan distributions to use as a down payment on their home.
Trade (domestic/foreign)in 3 report entries
In its own words
Issue -- UK Prudential Regulation Authority Consultation Paper 8/26 on Funded Reinsurance Issue -- Data Localization & Cross-Border Data Flow
Issue: Tariffs Issue: Data Localization & Cross-Border Data Flow Issue: Digital Services Tax (DST) Issue: OECD Pillar II UTPR
Offices it contacted
U.S. International Trade Commission (ITC)
HOUSE OF REPRESENTATIVES
SENATE
Treasury, Dept of
Who did the lobbying
The organization’s own reports give its total lobbying costs, including any firms it hired; each firm reports what this client paid it.
Pacific Life Insurance CompanyIts own staff · 3 reports$1.3M
Capitol Counsel LLCLobbying firm · 3 reports$180K
Contributions on the LD-203 report
Reported twice a year by the lobbying filer. $109.5K is political giving that also appears in FEC filings.
Rep. Mike Flood$10K
Rep. Tom Suozzi$5.5K
ASPIRE$5K
CBC$5K
CHC$5K
Rep. Dave Min$5K
Rep. Jason Smith$5K
Rep. John Larson$5K
Rep. Steven Horsford$5K
Rep. Young Kim$5K
Matched by name: these reports are filed for “PACIFIC LIFE INSURANCE COMPANY”, found by searching “PACIFIC LIFE INSURANCE”. Lobbying and FEC records share no ID, so an organization that lobbies under another name is missed. Source: LDA.gov, accessed Oct 26, 2026. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.
PACIFIC LIFE INSURANCE COMPANY POLITICAL ACTION COMMITTEE
Filings covered
Through Oct 14, 2026
Data source
FEC bulk filing data
Pacific Life Insurance Co. PAC is registered with the Federal Election Commission as a PAC (qualified). It is a lobbyist/registrant PAC. Its FEC record names Pacific Life Insurance Co. as an affiliate. Official FEC summary: Federal Election Commission committee record.
Pages quoted 0 pages
No pages quoted
Nothing from this committee’s or its sponsor’s site is quoted yet.
Linked public records
No approved organization identity yet
The official FEC committee record remains available under Filings.
JSJason SmithRepublican · U.S. House · MO-08 · via Jason Smith For Congress2 payments, latest Mar 30, 2026 · CONTRIBUTION · FEC filing, Mar 30, 2026$10K
JPJimmy PanettaDemocratic · U.S. House · CA-19 · via Jimmy Panetta For Congress2 payments, latest Sep 1, 2026 · CONTRIBUTION · FEC filing, Sep 1, 2026$10K
Bars drawn to $15K, the largest gift total here. 2025–2026 filings.
PAC (qualified) · Connected to KIM VICTORY FUND · 2 payments
Mike Flood for CongressHouse campaign committee · Connected to MIKE FLOOD VICTORY FUND · 3 payments
$10K
$402.5K across 84 recipient committees, or 99.9% of everything this committee reports spending. The largest 12 are shown.
Built from FEC Schedule A and Schedule B filings for the selected cycle. A committee only appears here if the money was itemized under its FEC committee ID.
$12,005
Massachusetts91 contributions · 2.6%
$11,106
South Carolina49 contributions · 2.5%
$10,529
Florida52 contributions · 2.3%
$9,925
Tennessee65 contributions · 2.1%
$9,080
By the state each contributor wrote on the filing. The FEC aggregates every Schedule A line together, so one committee or organization transfer can account for a whole state. Contributors who have given $200 or less this cycle are not itemized and cannot be placed on a map. The FEC’s grouping also counts joint-fundraising memo lines, so these rows can add up to more than the itemized total.
Donors’ employers as filed
Donors’ employers
Employer as filed
Amount
Pacific Life2,375 contributions · 82% of ranked
$346,836
Pacific Life Insurance Company541 contributions · 18% of ranked
$77,499
Pacific Life And Annuity Company16 contributions · 0.2% of ranked
$700
A further $100 came from donors whose answer names no employer (blank), so it is not ranked. Itemized receipts grouped by the words contributors filed. The FEC aggregates every Schedule A line here, so committee and organization money sits alongside individuals; this is not an industry classification. The FEC’s grouping also counts joint-fundraising memo lines, so these rows can add up to more than the itemized total. Gifts of $200 or less ($77,651) are not itemized, so no employer or occupation is filed for them.
Donors’ occupations as filed
Donors’ occupations
Occupation as filed
Amount
SR Wholesaler206 contributions · 5% of ranked
$21,254
FVP Field Wholesaling84 contributions · 3.2% of ranked
$13,650
Regional VP - Producer Group66 contributions · 2.4% of ranked
$10,350
EVP Chief Financial Officer20 contributions · 2% of ranked
$8,320
EVP & Chief Risk Officer20 contributions · 2% of ranked
$8,320
EVP Consumer Markets Division20 contributions · 2% of ranked
$8,320
EVP Institutional Division20 contributions · 2% of ranked
$8,320
President And CEO20 contributions · 2% of ranked
$8,320
Ranked from the largest 200 of 201 occupation spellings filed; each share is of the money in those. Itemized receipts grouped by the words contributors filed. The FEC aggregates every Schedule A line here, so committee and organization money sits alongside individuals; this is not an industry classification. The FEC’s grouping also counts joint-fundraising memo lines, so these rows can add up to more than the itemized total. Gifts of $200 or less ($77,651) are not itemized, so no employer or occupation is filed for them.
The people, firms and committees paid the most, across every kind of payment. Each share is of everything the committee reported spending this cycle, not only the itemized payments above. A payee that is itself a committee links to its own profile.
S.2750 - SANDBOX Act To require the Director of the Office of Science and Technology Policy to establish a Federal regulatory sandbox program for artificial intelligence.
Issue: Artificial Intelligence (AI). ___ - Draft legislation on data privacy.
The bill would make improvements to title V of the Gramm-Leach-Bliley Act.
Issue: Dada Privacy.
H.R.___ and S.___ - Draft data privacy legislation.
Issue: Data Privacy H.R. __ - Draft cybersecurity legislation.
Issue: Cybersecurity Issue: Artificial Intelligence (AI), including a federal moratorium Issue: Draft legislation that would require notice of data security breaches.
Issue: Cybersecurity and Privacy.
Issue -- Data Privacy Issue -- Artificial Intelligence
This bill also apples to a closed-end company treated as a business development company.
Issue: Capital formation H.R. 7130 - McCarran-Ferguson Restoration Act.
The bill would eliminate the Federal Insurance Office of the Department of the Treasury and establish a United States Insurance Representative within the Department of the Treasury.
Issue: FIO Reform.
DRAFT -- Voluntary Excepted Supplemental Benefits Protection Act -- preserve employer flexibility to offer voluntary excepted-benefit products such as supplemental health coverage HR 1521 -- DOC Access Act -- prohibits insurance plans from dictating rates optometrists and dentists can charge patients for non-covered items and services HR 7187 -- Clarity for Compensation Act -- clarify compensation disclosure requirements for insurance and financial professionals to promote regulatory consistency and consumer understanding.
Issue -- Proposed Rule -- SEC Regulation E-Delivery -- monitoring SEC framework for the electronic delivery of investor disclosures.
HR 4735 -- Business of Insurance Regulatory Reform Act of 2025 -- affirm the enforcement authority of the Consumer Financial Protection Bureau (CFPB) over entities regulated by state insurance commissioners HR 10234 -- CLEAR Forms Act - direct SEC to established dedicated filing forms for certain registered insurance products HR 8338 -- Safeguarding Americans' Fairly Earned Retirement (SAFER) Act -- restrict state escheatment and seizure of private investment and retirement accounts HR 9471/S 4942 -- SAFE Banking Act -- federal safe harbor allowing financial institutions to serve state-legal cannabis businesses without fear of federal banking penalties.
H.R.2869 EBSA Investigations Transparency Act: This legislation requires the Department of Labors Employee Benefits Security Administration (EBSA) to submit annual reports to Congress on the status of its open employee plan audits and to explain why any audits open for more than 36 months have not been closed.
H.R. 2988 Protecting Prudent Investment of Retirement Savings Act: This legislation clarifies the criteria for meeting the fiduciary duty of ERISA.
H.R.3526, S.2867 Uplifting First-Time Homebuyers Act of 2025: This legislation allows individuals to take an early distribution out of an IRA of up to $50,000 for a qualified first-time home purchase without the 10% additional income tax penalty.
Current rules only allow up to a $10,000 early distribution without penalty.
H.R. 4718/S.1707 Helping Young Americans Save for Retirement Act: This legislation lowers the required minimum participation age in ERISA-covered retirement plans from age 21 to age 18.
H.R.5748 Retirement Investment Choice Act: This legislation codifies Executive Order 14330 relating to democratizing access to alternative assets for 401(k) investors.
H.R.6084 ERISA Litigation Reform Act: This legislation amends the pleading standard under ERISA Section 502 for certain claims to put the burden on the plaintiff to plausibly allege and prove that an ERISA prohibitive transaction occurred that is not exempt under ERISA section 408(b)(2).
H.R.6324 Retirement Simplification and Clarity Act: This legislation would: (1) permit an in-service plan distribution to an individual retirement annuity on or after attainment of age 50; and (2) include a specific reference to an individual retirement annuity as a rollover option under a simplified 402(f) safe harbor notice.
H.R.6450, S.3352 Retirement Rollover Flexibility Act: This legislation would permit rollover contributions from Roth IRAs to designated Roth accounts in qualified retirement plans, like 401(k)s.
H.R.6722 Automatic IRA Act of 2025: The legislation would require employers with more than 10 employees that do not sponsor a retirement plan to automatically enroll their employees in IRAs (automatic IRAs) or other automatic contribution plans or arrangements, like 401(k) plans.
The legislation also requires 401(k) plans with over 100 participants plans must permit participants to elect to receive at least 50 percent of their vested account balance in the form of lifetime income.
This requirement does not apply to participants with balances below $200,000.
H.R. 6729/S.1831 Auto Reenroll Act of 2025: This legislation amends the qualified automatic contribution arrangement (QACA) safe harbor in the tax code for 401(k) plans to allow for automatic periodic reenrollment into the plan H.R.7185 Home Savings Act: This legislation permits penalty-free withdrawals from a 401(k) account for up to five years when the funds are used for a down payment or closing costs on a primary residence.
The legislation also allows an individual to make a penalty-free 401(k) withdrawal and gift those funds to a relative, exempt from gift tax, provided the relative uses the money for a down payment or closing costs on a primary residence.
General Accounts Product Corrections Act: Would clarify fiduciary responsibilities for life insurance companies as it relates to investments in their general accounts.
HR 3383 -- Incentivizing New Ventures and Economic Strength Through Capital Formation (INVEST) Act of 2025 -- expand access to capital and investment opportunities HR 10039/S 5204 -- SMART Savings Act -- modernize Individual Retirement Account (IRA) regulations and remove IRAs from Department of Labor (DOL) prohibited transaction rules HR 1013/S 424 -- Retirement Fairness for Charities and Educational Institutions Act of 2025 - allow 403b plans to invest in CITs and insurance separate account products HR 2696 -- Retirement Savings for Americans Act -- establish federally supported retirement savings accounts for workers who lack access to employer-sponsored retirement plans.
HR 9515 (117th) -- General Accounts Product Clarifications Act -- specifies requirements for the application of the ERISA to general account policies that receive contributions from employee benefit plans HR 3942 (118th) -- Lifetime Income for Employees Act - enable use of lifetime income options within workplace retirement plans HR 6324/S 5156 -- Retirement Simplification and Clarity Act -- expand in-service rollover options by allowing individuals aged 50 and older to roll over their employee-sponsored 401(k) savings into an annuity.
Issue -- Proposed Rule -- DOL Fiduciary Duties In Selecting Designated Investment Alternatives Monitoring Department of Labor -- guidance affecting fiduciary responsibilities when selecting retirement plan investment options HR 6450/S 3352 -- Retirement Rollover Flexibility Act -- allow workers to roll over savings from a Roth IRA directly into a designated Roth account within a workplace retirement plan HR 6722 -- Automatic IRA Act of 2025 -- require employers without retirement plans to facilitate automatic payroll-deduction IRAs for employees.