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Summary of Provisions in the Securing a Strong Retirement Act (H.R. 2954)

In June, the Senate committees with jurisdiction over retirement approved their versions of retirement reform legislation. The Senate bills are the Enhancing American Retirement Now Act (unnumbered, the “EARN Act”), which was approved by the Finance Committee on June 22, 2022, and the Retirement Improvement and Savings Enhancement to Supplement Health Improvements for the Nest Egg Act (S. 4353, the “RISE & SHINE Act”), which was approved by the Health, Education, Labor, and Pensions Committee on June 15, 2022. The Senate bills are companion legislation to the House-passed Securing a Strong Retirement Act (H.R. 2954, colloquially referred to as “SECURE 2.0”).

Staff on both sides of the Capitol are now working to negotiate a unified, bicameral version of retirement legislation that could potentially be included in a must-pass spending bill later this year.

This chart compares the House and Senate bills and identifies differences among the bills.

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