---
title: "Retirement Savings for Americans Act of 2023"
identifier: "118-S-3102"
congress: 118
bill_number: 3102
bill_type: "S"
version_code: "is"
version_type: "Introduced in Senate"
bill_url: "https://chamberzero.com/congresses/118/bills/s/3102"
source: "https://www.congress.gov/bill/118th-congress/senate-bill/3102"
site: "Chamber Zero"
site_url: "https://chamberzero.com"
rendered_at: "2026-06-03T23:40:53.103Z"
---
## SEC. 1 Short title; table of contents.

[Read Section 1 →](/congresses/118/bills/s/3102/sections/1-section-one.md)

## SEC. 2 Definitions.

[Read Section 2 →](/congresses/118/bills/s/3102/sections/2.md)

## SEC. 3 Relationship to Social Security.

[Read Section 3 →](/congresses/118/bills/s/3102/sections/3.md)

## SEC. 4 Government benefits.

[Read Section 4 →](/congresses/118/bills/s/3102/sections/4.md)

# TITLE I — The American Worker Retirement Plan

## SEC. 101 The American Worker Retirement Fund.

[Read Section 101 →](/congresses/118/bills/s/3102/sections/TI-101.md)

## SEC. 102 Investment of American Worker Retirement Fund.

[Read Section 102 →](/congresses/118/bills/s/3102/sections/TI-102.md)

## SEC. 103 Eligibility.

[Read Section 103 →](/congresses/118/bills/s/3102/sections/TI-103.md)

## SEC. 104 Enrollment.

[Read Section 104 →](/congresses/118/bills/s/3102/sections/TI-104.md)

## SEC. 105 Contributions.

[Read Section 105 →](/congresses/118/bills/s/3102/sections/TI-105.md)

## SEC. 106 Distributions.

[Read Section 106 →](/congresses/118/bills/s/3102/sections/TI-106.md)

## SEC. 107 Accounts.

[Read Section 107 →](/congresses/118/bills/s/3102/sections/TI-107.md)

## SEC. 108 Tax treatment.

[Read Section 108 →](/congresses/118/bills/s/3102/sections/TI-108.md)

## SEC. 109 Spousal protections; survivor rights.

[Read Section 109 →](/congresses/118/bills/s/3102/sections/TI-109.md)

# TITLE II — The American Worker Retirement Plan Investment Management System

## SEC. 201 The American Worker Retirement Investment Board.

[Read Section 201 →](/congresses/118/bills/s/3102/sections/TII-201.md)

## SEC. 202 The American Worker Retirement Plan Advisory Council.

[Read Section 202 →](/congresses/118/bills/s/3102/sections/TII-202.md)

## SEC. 203 Executive Director.

[Read Section 203 →](/congresses/118/bills/s/3102/sections/TII-203.md)

## SEC. 204 Investment policies and selection of asset managers.

[Read Section 204 →](/congresses/118/bills/s/3102/sections/TII-204.md)

## SEC. 205 Administrative provisions.

[Read Section 205 →](/congresses/118/bills/s/3102/sections/TII-205.md)

## SEC. 206 Fiduciary responsibilities; liability and penalties.

[Read Section 206 →](/congresses/118/bills/s/3102/sections/TII-206.md)

## SEC. 207 Bonding.

[Read Section 207 →](/congresses/118/bills/s/3102/sections/TII-207.md)

## SEC. 208 Investigative authority.

[Read Section 208 →](/congresses/118/bills/s/3102/sections/TII-208.md)

## SEC. 209 Exculpatory provisions; insurance.

[Read Section 209 →](/congresses/118/bills/s/3102/sections/TII-209.md)

## SEC. 210 Subpoena authority.

[Read Section 210 →](/congresses/118/bills/s/3102/sections/TII-210.md)

# TITLE III — Government Match Tax Credit

## SEC. 301 Government Match Tax Credit.

[Read Section 301 →](/congresses/118/bills/s/3102/sections/TIII-301.md)