Contact Congress about H.R. 2696: Retirement Savings for Americans Act of 2025

Workers without a workplace retirement plan would get a new federal account. Many would be signed up automatically at 3% of pay, unless they opt out. The government would add matching money through the tax system.

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Retirement Savings for Americans Act of 2025 is a House bill in committee. The latest recorded action: Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Latest action on H.R. 2696: Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Who this affects: This bill mainly affects workers who do not have a retirement plan through work, including many low-wage workers, part-time workers, and independent contractors. It also affects employers that do not offer a plan now, because they would have to enroll eligible workers and send in contributions. The federal government would have to build and run the new savings system.

Why this matters: Many workers have no simple way to save for retirement at work, and this bill would give them one national option. Automatic enrollment could help people start saving without extra steps. The government match could make saving easier for people with lower incomes. The tradeoff is that employers would take on new duties, and the federal government would run a large new retirement investment system.

Key provisions in H.R. 2696

• Creates the American Worker Retirement Fund in the U.S. Treasury. The Fund would hold worker contributions, government matching tax credit payments, and investment gains.
• Covers qualifying workers who do not have access to an eligible retirement plan at work with automatic payroll deductions. This includes many employees and self-employed independent contractors.
• Requires employers without their own retirement plan to sign up qualifying workers automatically at 3% of pay. Workers could opt out or choose a different amount.
• Uses Roth-style worker contributions. That means workers pay taxes before saving the money, cannot deduct it, and must follow yearly individual retirement account, or IRA, limits.
• Requires the Fund to offer several investment choices. These include government securities, bond funds, U.S. stock index funds, small-company stock funds, international funds, and age-based life-cycle funds, with the age-based fund as the default.

How Modern Action helps you take action on H.R. 2696

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 2696

What is H.R. 2696?

Workers without a workplace retirement plan would get a new federal account. Many would be signed up automatically at 3% of pay, unless they opt out. The government would add matching money through the tax system.

How do I support or oppose H.R. 2696?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 2696?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 2696 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.