Who should I contact about HR3186?

Modern Action routes the drafted message to your House representative when that is the relevant target for this bill, using your address to confirm constituent status.

What does Modern Action include in the message about HR3186?

The draft includes the bill number, your position, the reasons you selected, any personal context you add, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes.

In House Committee·Last action 388 days ago

HR3186 Introduces Universal Savings Accounts

Q: How do I support or oppose HR3186?

Choose support, opposition, or changes. Modern Action uses that stance, the bill context, and any reasons you choose to draft a message you can review, edit, and send.

Officially: Universal Savings Account Act of 2025

HR3186 sets up Universal Savings Accounts with tax-free growth and withdrawals. Affects all U.S. individuals, especially families and low-income savers.

Use this page to support, oppose, or ask Congress to amend HR3186. Modern Action explains Universal Savings Account Act of 2025 in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can review before sending.

Where it stands

Sitting in House Committee

No vote scheduled. Constituent contact is what moves bills out of committee.

What this bill actually does

Tax exemption: USAs are exempt from most taxes, allowing tax-free growth and withdrawals.
Contribution limits: Annual contributions start at $10,000, increasing by $500 yearly, capping at $25,000.
Rollover rules: Allows penalty-free rollovers between USAs within specified timeframes.

↓ Why your message matters here

This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.

Where your representatives stand

Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.

The debate

What people are saying about this bill

✓Arguments in support

Flexible Savings: Supporters argue that USAs provide a flexible, penalty-free way to save for any purpose, reducing government interference in personal finances.
Boosts Savings for Low-Income Households: Proponents believe that USAs can help low-income families build financial resilience against economic shocks.
Simplifies Savings: The bill offers a straightforward alternative to the complex rules of traditional accounts, promoting personal freedom and financial independence.

✕Arguments against

Potential Tax Revenue Loss: Critics might argue that the tax exemptions could lead to a significant loss of federal revenue.
Favoritism Toward High Earners: There is a concern that higher earners could benefit more from the tax advantages, widening the wealth gap.
Lack of Oversight: Some may worry that the lack of restrictions could lead to misuse of funds, not necessarily promoting long-term savings.

Where this bill is in the process

Legislative timeline

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Introduced

Introduced in House

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House Committee

Under House committee consideration

Latest: Referred to the House Committee on Ways and Means. (5/5/2025)

MAY 5

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House Floor Vote

Voted on by House

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Passed House

Approved by House

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Senate Review

Sent to Senate for consideration

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Passed Both Chambers

Approved by both House and Senate

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Signed into Law

Signed by the President

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For more detail

Read deeper

Questions people ask about contacting Congress on HR3186

How do I support or oppose HR3186, Universal Savings Account Act of 2025?

Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can review, edit, and send.

Who does Modern Action contact about this bill?

Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.

What does Modern Action include in the message?

The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you review it before it sends.

Take action on HR3186: Universal Savings Account Act of 2025

This page is for understanding Universal Savings Account Act of 2025, choosing whether you support it, oppose it, or want changes. Modern Action drafts the message before it goes to Congress.

Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.

You are not starting from a blank form. Modern Action drafts the message around HR3186, your stance, and the reasons you choose, then leaves the final review and edits to you.

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