Retirement Fairness for Charities and Educational Institutions Act of 2025
Detenido
En la agenda de la Cámara esta semana
- Patrocinador
- Rep. Frank D. Lucas (R-OK-3)
- Presentado
- 5 de feb de 2025 · Cámara
- Copatrocinadores
- 24 (D 19 · R 5)
- Tema
- Finance and Financial Sector
En qué punto está
- Presentado · 5 de feb de 2025 (hecho)
- En comisión · 5 de feb de 2025 (hecho)
- Aprobado en comisión · 20 de may de 2025 (hecho)
- Aprobado por la Cámara · 10 de nov de 2026 (hecho)
- Aprobado por el Senado (pendiente)
- Enviado al presidente (pendiente)
- Ley (pendiente)
Detenido: Motion to reconsider laid on the table Agreed to without objection.
Resumen (Servicio de Investigación del Congreso, en inglés)
Retirement Fairness for Charities and Educational Institutions Act of 2025
This bill allows 403(b) retirement plans (i.e., retirement plans designed for certain employees of public schools, charities, and churches) to invest in collective investment trusts, which are a group of pooled investment assets held by a bank or trust company, and in insurance company separate accounts.
Argumentos a favor y en contra
A favor
The Investment Company Institute says educators, nurses and nonprofit workers "deserve access to the same broad range of cost-effective" options as other savers, and the American Retirement Association says collective investment trust fees can be up to 53% lower than mutual fund fees for the more than 14 million 403(b) participants.
— Investment Company Institute; American Retirement Association · 401(k) Specialist, 10 de nov de 2026 ↗
Sponsors Reps. Frank Lucas (R-OK) and Josh Gottheimer (D-NJ) say the bill closes a gap left by SECURE 2.0: tax law now allows collective investment trusts in 403(b) plans, but securities laws still block them, so teachers, nurses and nonprofit workers lack options 401(k) savers have. Lucas: "For too long, retirement options have unfairly disadvantaged public servants."
— Rep. Frank Lucas (R-OK) and Rep. Josh Gottheimer (D-NJ), sponsors · Office of Rep. Frank Lucas, 11 de dic de 2025 ↗
En contra
The National Education Association urged a no vote, saying the bill "threatens the retirement security of educators" in 403(b) plans not covered by ERISA and "would open a new loophole that allows unregistered brokers to sell unregistered securities to 403(b) plans."
— National Education Association · NEA letter to the House, 10 de nov de 2026 ↗
Cada argumento se atribuye a quien lo hace, con su fuente. No son la opinión de Polling Desk; los revisamos antes de publicarlos.
Votaciones nominales
| Fecha | Votación | Resultado | D | R |
|---|---|---|---|---|
| 11 de nov de 2026 | Cámara · On Passage #321 ↗ | Passed | 83–128 | 211–0 |
Quién hizo cabildeo sobre este proyecto
104 informes de cabildeo de 24 clientes mencionan H.R. 1013. El cliente es quien paga; la firma es quien hace el cabildeo. Los informes no dicen si el cliente apoya o se opone al proyecto.
| Cliente | Firma de cabildeo | Informes | Último |
|---|---|---|---|
| TIAA | PORTERFIELD, FETTIG & SEARS, LLC | 12 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| CHURCH ALLIANCE | K&L GATES, LLP | 10 | 2nd Quarter (Apr 1 - June 30) 2025 ↗ |
| LPL FINANCIAL | Su propio personal | 8 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| AMERICAN ASSOCIATION FOR JUSTICE | Su propio personal | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| AMERIPRISE FINANCIAL, INC. | Su propio personal | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| FRANKLIN TEMPLETON, INC. AND AFFILIATES (FORMERLY FRANKLIN RESOURCES, INC.) | Su propio personal | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Su propio personal | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| PRUDENTIAL FINANCIAL | PORTERFIELD, FETTIG & SEARS, LLC | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| VANGUARD GROUP | Su propio personal | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| WILLIS NORTH AMERICA INC. | Su propio personal | 6 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| AMERICAN RETIREMENT ASSOCIATION | CGCN GROUP, LLC | 5 | 2nd Quarter (Apr 1 - June 30) 2026 ↗ |
| AMERICAN SOCIETY OF PENSION PROFESSIONALS & ACTUARIES | Su propio personal | 5 | 2nd Quarter (Apr 1 - June 30) 2026 ↗ |
| NATIONAL COUNCIL ON TEACHER RETIREMENT 9370 STUDIO COURT ELK GROVE CA 95758 | MR. PETER SNELL | 4 | 1st Quarter (Jan 1 - Mar 31) 2026 ↗ |
| T. ROWE PRICE GROUP, INC. | Su propio personal | 4 | 3rd Quarter (July 1 - Sep 30) 2026 ↗ |
| INVESTMENT COMPANY INSTITUTE | CGCN GROUP, LLC | 3 | 3rd Quarter (July 1 - Sep 30) 2025 ↗ |
| SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION | Su propio personal | 3 | 1st Quarter (Jan 1 - Mar 31) 2026 ↗ |
| AMERICAN HEART ASSOCIATION | Su propio personal | 1 | 4th Quarter (Oct 1 - Dec 31) 2025 ↗ |
| AMERICANS FOR FINANCIAL REFORM | Su propio personal | 1 | 2nd Quarter (Apr 1 - June 30) 2025 ↗ |
| CHAMBER OF COMMERCE OF THE U.S.A. | Su propio personal | 1 | 2nd Quarter (Apr 1 - June 30) 2025 ↗ |
| CHARLES SCHWAB CORPORATION | Su propio personal | 1 | 2nd Quarter (Apr 1 - June 30) 2025 ↗ |
Y 4 clientes más.
Fuente: informes de la Ley de Divulgación de Cabildeo en LDA.gov, consultados el 11 de noviembre de 2026. Buscamos el número del proyecto en el texto de cada informe; un informe puede cubrir varios temas. La Oficina de Registros Públicos del Senado no puede garantizar los datos ni los análisis derivados una vez obtenidos de LDA.gov.
Todas las acciones
- 11 de nov de 2026 — Motion to reconsider laid on the table Agreed to without objection.
- 11 de nov de 2026 — On passage Passed by the Yeas and Nays: 295 - 128 (Roll no. 321). (text: CR H6166)
- 11 de nov de 2026 — Passed/agreed to in House: On passage Passed by the Yeas and Nays: 295 - 128 (Roll no. 321).
- 11 de nov de 2026 — DEBATE - The House proceeded with one hour of debate on H.R. 1013.
- 11 de nov de 2026 — Rule provides for consideration of H.R. 1013 with 1 hour of general debate. Previous question shall be considered as ordered except motion to recommit. Bill is closed to amendments.
- 11 de nov de 2026 — Considered under the provisions of rule H. Res. 1650. (consideration: CR H6166-6171)
- 10 de nov de 2026 — Rule H. Res. 1650 passed House.
- 9 de nov de 2026 — Rules Committee Resolution H. Res. 1650 Reported to House. Rule provides for consideration of H.R. 1013 with 1 hour of general debate. Previous question shall be considered as ordered except motion to recommit. Bill is closed to amendments.
- 28 de nov de 2025 — Placed on the Union Calendar, Calendar No. 340.
- 28 de nov de 2025 — Reported (Amended) by the Committee on Financial Services. H. Rept. 119-390.
- 20 de may de 2025 — Ordered to be Reported (Amended) by the Yeas and Nays: 43 - 8.
- 20 de may de 2025 — Committee Consideration and Mark-up Session Held
- 5 de feb de 2025 — Referred to the House Committee on Financial Services.
- 5 de feb de 2025 — Introduced in House
Preguntas frecuentes
¿Qué es H.R. 1013?
H.R. 1013 (Retirement Fairness for Charities and Educational Institutions Act of 2025) se presentó en la Cámara el 5 de feb de 2025, patrocinado por Rep. Frank D. Lucas (R-OK-3).
¿En qué punto está H.R. 1013?
Detenido. Última acción (11 de nov de 2026): Motion to reconsider laid on the table Agreed to without objection.
¿Cuántos copatrocinadores tiene H.R. 1013?
24: D 19 · R 5.
Texto completo en Congress.gov ↗ · Más del Congreso →
Datos: API de Congress.gov (Biblioteca del Congreso). Las encuestas las revisa Polling Desk antes de publicarlas. Actualizado: 12 nov, 11:49 ET.
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