HR6685FEDERALin_committee

House bill exempts multiemployer plan participants from automatic enrollment requirements

Original title: To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.

December 12, 2025

retirement taxes labor multiemployer plans

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Where This Stands

Introduced

Committee

Floor Vote

Passed

Signed

Currently in_committee. The next step in the legislative lifecycle is Floor Vote.

Last action

Referred to the House Committee on Ways and Means.Dec 12, 2025

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

The Frame

What this does

This change impacts how retirement savings plans are structured for unionized workers and other participants in s, potentially altering how these plans manage enrollment and administrative compliance.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

multiemployer plan participants

These individuals are no longer subject to mandatory automatic enrollment requirements under the proposed amendment.

multiemployer plan administrators

These administrators gain the ability to operate plans without the federal automatic enrollment mandate.

What changed

Current stage: in_committee.

What's next

Floor Vote.

Summary

This bill creates an exception to federal requirements for participants in multiemployer retirement plans. It amends the Internal Revenue Code of 1986 to allow these specific plan types to opt out of mandatory automatic enrollment rules.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

What is a multiemployer plan?

A is a collectively bargained arrangement between a labor union and more than one employer, typically within the same industry.

What does this bill change regarding automatic enrollment?

It allows s to be exempt from federal rules that would otherwise require them to automatically enroll participants in retirement savings programs.

Why It Matters

News Coverage

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Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Exemption for Collective Bargaining Plans

The bill signals a legislative effort to carve out multiemployer plans from broader retirement plan mandates, likely to preserve the autonomy of collectively bargained structures.

Internal Revenue Code of 1986

Connected Entities

organizationHouse Committee on Ways and Means“The committee to which the bill was referred for review.”Map →

otherInternal Revenue Code of 1986“The federal tax code being amended by this bill.”Map →

Analysis Score

0–100

Significance45
How much this matters to a regular citizen
Controversy20
Intensity of disagreement among stakeholders
Entertainment5
Compellingness for a non-policy-wonk reader
Buzz10
Current news / social attention level

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