--- title: "Advancing Commonsense Policies Act" identifier: "119-HR-7314" congress: 119 bill_number: 7314 bill_type: "HR" version_code: "ih" version_type: "Introduced in House" bill_url: "https://chamberzero.com/congresses/119/bills/hr/7314" source: "https://www.congress.gov/bill/119th-congress/house-bill/7314" site: "Chamber Zero" site_url: "https://chamberzero.com" rendered_at: "2026-06-04T00:30:04.471Z" --- ## SEC. 1 Short title. [Read Section 1 →](/congresses/119/bills/hr/7314/sections/1-section-one.md) # TITLE I — ## SEC. 101 Livestock mandatory reporting extension. [Read Section 101 →](/congresses/119/bills/hr/7314/sections/TI-101.md) # TITLE II — ## SEC. 201 Education for separating members of the armed forces regarding registered apprenticeships. [Read Section 201 →](/congresses/119/bills/hr/7314/sections/TII-201.md) ## SEC. 202 Websites regarding apprenticeship programs. [Read Section 202 →](/congresses/119/bills/hr/7314/sections/TII-202.md) # TITLE III — ## SEC. 301 Sense of congress. [Read Section 301 →](/congresses/119/bills/hr/7314/sections/TIII-301.md) ## SEC. 302 Retirement for certain employees. [Read Section 302 →](/congresses/119/bills/hr/7314/sections/TIII-302.md) # TITLE IV — ## SEC. 401 Expanding automatic enrollment in retirement plans. [Read Section 401 →](/congresses/119/bills/hr/7314/sections/TIV-401.md) ## SEC. 402 Modification of credit for small employer pension plan startup costs. [Read Section 402 →](/congresses/119/bills/hr/7314/sections/TIV-402.md) ## SEC. 403 Promotion of saver’s credit. [Read Section 403 →](/congresses/119/bills/hr/7314/sections/TIV-403.md) ## SEC. 404 Enhancement of saver’s credit. [Read Section 404 →](/congresses/119/bills/hr/7314/sections/TIV-404.md) ## SEC. 405 Enhancement of 403(b) plans. [Read Section 405 →](/congresses/119/bills/hr/7314/sections/TIV-405.md) ## SEC. 406 Increase in age for required beginning date for mandatory distributions. [Read Section 406 →](/congresses/119/bills/hr/7314/sections/TIV-406.md) ## SEC. 407 Indexing ira catch-up limit. [Read Section 407 →](/congresses/119/bills/hr/7314/sections/TIV-407.md) ## SEC. 408 Higher catch-up limit to apply at age 62, 63, and 64. [Read Section 408 →](/congresses/119/bills/hr/7314/sections/TIV-408.md) ## SEC. 409 Pooled employer plans modification. [Read Section 409 →](/congresses/119/bills/hr/7314/sections/TIV-409.md) ## SEC. 410 Multiple employer 403(b) plans. [Read Section 410 →](/congresses/119/bills/hr/7314/sections/TIV-410.md) ## SEC. 411 Treatment of student loan payments as elective deferrals for purposes of matching contributions. [Read Section 411 →](/congresses/119/bills/hr/7314/sections/TIV-411.md) ## SEC. 412 Application of credit for small employer pension plan startup costs to employers which join an existing plan. [Read Section 412 →](/congresses/119/bills/hr/7314/sections/TIV-412.md) ## SEC. 413 Military spouse retirement plan eligibility credit for small employers. [Read Section 413 →](/congresses/119/bills/hr/7314/sections/TIV-413.md) ## SEC. 414 Small immediate financial incentives for contributing to a plan. [Read Section 414 →](/congresses/119/bills/hr/7314/sections/TIV-414.md) ## SEC. 415 Safe harbor for corrections of employee elective deferral failures. [Read Section 415 →](/congresses/119/bills/hr/7314/sections/TIV-415.md) ## SEC. 416 Improving coverage for part-time workers. [Read Section 416 →](/congresses/119/bills/hr/7314/sections/TIV-416.md) ## SEC. 417 Deferral of tax for certain sales of employer stock to employee stock ownership plan sponsored by s corporation. [Read Section 417 →](/congresses/119/bills/hr/7314/sections/TIV-417.md) ## SEC. 418 Certain securities treated as publicly traded in case of employee stock ownership plans. [Read Section 418 →](/congresses/119/bills/hr/7314/sections/TIV-418.md) ## SEC. 419 Remove required minimum distribution barriers for life annuities. [Read Section 419 →](/congresses/119/bills/hr/7314/sections/TIV-419.md) ## SEC. 420 Qualifying longevity annuity contracts. [Read Section 420 →](/congresses/119/bills/hr/7314/sections/TIV-420.md) ## SEC. 421 Insurance-dedicated exchange-traded funds. [Read Section 421 →](/congresses/119/bills/hr/7314/sections/TIV-421.md) ## SEC. 422 Recovery of retirement plan overpayments. [Read Section 422 →](/congresses/119/bills/hr/7314/sections/TIV-422.md) ## SEC. 423 Reduction in excise tax on certain accumulations in qualified retirement plans. [Read Section 423 →](/congresses/119/bills/hr/7314/sections/TIV-423.md) ## SEC. 424 Performance benchmarks for asset allocation funds. [Read Section 424 →](/congresses/119/bills/hr/7314/sections/TIV-424.md) ## SEC. 425 Review and report to congress relating to reporting and disclosure requirements. [Read Section 425 →](/congresses/119/bills/hr/7314/sections/TIV-425.md) ## SEC. 426 Eliminating unnecessary plan requirements related to unenrolled participants. [Read Section 426 →](/congresses/119/bills/hr/7314/sections/TIV-426.md) ## SEC. 427 Retirement savings lost and found. [Read Section 427 →](/congresses/119/bills/hr/7314/sections/TIV-427.md) ## SEC. 428 Updating dollar limit for mandatory distributions. [Read Section 428 →](/congresses/119/bills/hr/7314/sections/TIV-428.md) ## SEC. 429 Expansion of employee plans compliance resolution system. [Read Section 429 →](/congresses/119/bills/hr/7314/sections/TIV-429.md) ## SEC. 430 Eliminate the "first day of the month" requirement for governmental section 457(b) plans. [Read Section 430 →](/congresses/119/bills/hr/7314/sections/TIV-430.md) ## SEC. 431 One-time election for qualified charitable distribution to split-interest entity; increase in qualified charitable distribution limitation. [Read Section 431 →](/congresses/119/bills/hr/7314/sections/TIV-431.md) ## SEC. 432 Distributions to firefighters. [Read Section 432 →](/congresses/119/bills/hr/7314/sections/TIV-432.md) ## SEC. 433 Exclusion of certain disability-related first responder retirement payments. [Read Section 433 →](/congresses/119/bills/hr/7314/sections/TIV-433.md) ## SEC. 434 Individual retirement plan statute of limitations for excise tax on excess contributions and certain accumulations. [Read Section 434 →](/congresses/119/bills/hr/7314/sections/TIV-434.md) ## SEC. 435 Requirement to provide paper statements in certain cases. [Read Section 435 →](/congresses/119/bills/hr/7314/sections/TIV-435.md) ## SEC. 436 Separate application of top heavy rules to defined contribution plans covering excludible employees. [Read Section 436 →](/congresses/119/bills/hr/7314/sections/TIV-436.md) ## SEC. 437 Repayment of qualified birth or adoption distribution limited to 3 years. [Read Section 437 →](/congresses/119/bills/hr/7314/sections/TIV-437.md) ## SEC. 438 Employer may rely on employee certifying that deemed hardship distribution conditions are met. [Read Section 438 →](/congresses/119/bills/hr/7314/sections/TIV-438.md) ## SEC. 439 Penalty-free withdrawals from retirement plans for individuals in case of domestic abuse. [Read Section 439 →](/congresses/119/bills/hr/7314/sections/TIV-439.md) ## SEC. 440 Reform of family attribution rules. [Read Section 440 →](/congresses/119/bills/hr/7314/sections/TIV-440.md) ## SEC. 441 Amendments to increase benefit accruals under plan for previous plan year allowed until employer tax return due date. [Read Section 441 →](/congresses/119/bills/hr/7314/sections/TIV-441.md) ## SEC. 442 Retroactive first year elective deferrals for sole proprietors. [Read Section 442 →](/congresses/119/bills/hr/7314/sections/TIV-442.md) ## SEC. 443 Limiting cessation of ira treatment to portion of account involved in a prohibited transaction. [Read Section 443 →](/congresses/119/bills/hr/7314/sections/TIV-443.md) ## SEC. 444 Review of pension risk transfer interpretive bulletin. [Read Section 444 →](/congresses/119/bills/hr/7314/sections/TIV-444.md) ## SEC. 445 Amendments relating to setting every community up for retirement enhancement act of 2019. [Read Section 445 →](/congresses/119/bills/hr/7314/sections/TIV-445.md) ## SEC. 446 Provisions relating to plan amendments. [Read Section 446 →](/congresses/119/bills/hr/7314/sections/TIV-446.md) ## SEC. 447 Simple and sep roth iras. [Read Section 447 →](/congresses/119/bills/hr/7314/sections/TIV-447.md) ## SEC. 448 Hardship withdrawal rules for 403(b) plans. [Read Section 448 →](/congresses/119/bills/hr/7314/sections/TIV-448.md) ## SEC. 449 Elective deferrals generally limited to regular contribution limit. [Read Section 449 →](/congresses/119/bills/hr/7314/sections/TIV-449.md) ## SEC. 450 Optional treatment of employer matching contributions as roth contributions. [Read Section 450 →](/congresses/119/bills/hr/7314/sections/TIV-450.md) # TITLE V — ## SEC. 501 Boots to business program. [Read Section 501 →](/congresses/119/bills/hr/7314/sections/TV-501.md) # TITLE VI — ## SEC. 601 Increased punishment for human trafficking in school zones. [Read Section 601 →](/congresses/119/bills/hr/7314/sections/TVI-601.md) ## SEC. 602 Increased punishment for coercion and enticement in school zones. [Read Section 602 →](/congresses/119/bills/hr/7314/sections/TVI-602.md) # TITLE VII — ## SEC. 701 Establishment of commission. [Read Section 701 →](/congresses/119/bills/hr/7314/sections/TVII-701.md) ## SEC. 702 Duties of the commission. [Read Section 702 →](/congresses/119/bills/hr/7314/sections/TVII-702.md) ## SEC. 703 Administrative provisions. [Read Section 703 →](/congresses/119/bills/hr/7314/sections/TVII-703.md) # TITLE VIII — ## SEC. 801 Selectusa defined. [Read Section 801 →](/congresses/119/bills/hr/7314/sections/TVIII-801.md) ## SEC. 802 Findings. [Read Section 802 →](/congresses/119/bills/hr/7314/sections/TVIII-802.md) ## SEC. 803 Coordination with state-level economic development organizations. [Read Section 803 →](/congresses/119/bills/hr/7314/sections/TVIII-803.md) ## SEC. 804 Report on increasing foreign direct investment in semiconductor-related manufacturing and production. [Read Section 804 →](/congresses/119/bills/hr/7314/sections/TVIII-804.md) # TITLE IX — ## SEC. 901 Approval of certain equipment. [Read Section 901 →](/congresses/119/bills/hr/7314/sections/TIX-901.md) # TITLE X — ## SEC. 1001 Findings. [Read Section 1001 →](/congresses/119/bills/hr/7314/sections/TX-1001.md) ## SEC. 1002 Extension of authority to enter into leases of non-excess property of the national aeronautics and space administration. [Read Section 1002 →](/congresses/119/bills/hr/7314/sections/TX-1002.md) # TITLE XI — ## SEC. 1101 Hearings. [Read Section 1101 →](/congresses/119/bills/hr/7314/sections/TXI-1101.md) # TITLE XII — ## SEC. 1201 Code of official conduct. [Read Section 1201 →](/congresses/119/bills/hr/7314/sections/TXII-1201.md) # TITLE XIII — ## SEC. 1301 Study on foreign ports. [Read Section 1301 →](/congresses/119/bills/hr/7314/sections/TXIII-1301.md) # TITLE XIV — ## SEC. 1401 Determination of budgetary effects. [Read Section 1401 →](/congresses/119/bills/hr/7314/sections/TXIV-1401.md) # TITLE XV — ## SEC. 1501 Frequency of board of directors meetings. [Read Section 1501 →](/congresses/119/bills/hr/7314/sections/TXV-1501.md) # TITLE XVI — ## SEC. 1601 Appropriations. [Read Section 1601 →](/congresses/119/bills/hr/7314/sections/TXVI-1601.md) # Department of Health and Human Services ## Health resources and services administration ### rural health For an additional amount for the Telehealth Resource Center of the Federal Office of Rural Health Policy of the Office for the Advancement of Telehealth, to provide assistance with respect to technical, legal, regulatory service delivery or other related barriers to the development of telehealth technologies for skilled nursing facilities (as defined in section 1819 of the Social Security Act) and nursing facilities (as defined in section 1919 of such Act), $1,000,000 to remain available through September 30, 2025. # Department of Agriculture ## Executive operations ### office of budget and program analysis For an additional amount for necessary expenses of the Office of Budget and Program Analysis, $1,000,000. # Department of State ## Capital investment fund For an additional amount for necessary expenses of the Capital Investment Fund, as authorized, $1,000,000, to remain available until expended. # Department of Defense ## Operation and maintenance ### operation and maintenance, army For an additional amount for expenses, not otherwise provided for, necessary for the operation and maintenance of the Army, as authorized by law, $1,000,000. # Department of Homeland Security ## Departmental management, intelligence, situational awareness, and oversight ### management directorate ### operations and support For an additional amount for necessary expenses of the Management Directorate for operations and support, $1,000,000. # Department of Energy ## Energy programs ### energy information administration For an additional amount for Department of Energy expenses necessary in carrying out the activities of the Energy Information Administration, $1,000,000, to remain available until expended.