119th Congress · introduced in the Senate · Jul 30, 2026
SMART Savings Act of 2026
Official title from Congress.gov
Latest action (Jul 30, 2026): Read twice and referred to the Committee on Finance. (text: CR S4390)
View on Congress.govPolicy area: Taxation
No official summary has been published for this bill.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Read twice and referred to the Committee on Finance. (text: CR S4390)
Introduced in Senate
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
8 citations.
INSURED RETIREMENT INSTITUTE · lobbying firm or registrant: INSURED RETIREMENT INSTITUTE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Insurance
$180,000
Spent on own lobbying
…. The McCarran-Ferguson Protection Act (H.R.7130 - 119th Congress). The Form 5500 Filing Simplification Act (H.R.7362 - 119th Congress). The SMART Savings Act (S.5204/H.R.10039 - 119th Congress).
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERIPRISE FINANCIAL, INC. · lobbying firm or registrant: AMERIPRISE FINANCIAL, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Retirement
$340,000
Spent on own lobbying
…); entire bill S. 3975 - IRA Charitable rollover Facilitation and Enhancement Act; entire bill S. 5156 - Retirement Simplification and Clarity Act; entire bill S. 5204 - Simplifying Modern Access to Retirement Tools for Savings Act (SMART); entire bill Not Yet Introduced: issues related to Trump Accounts and TrumpIRA.gov
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION FOR FIXED ANNUITIES · lobbying firm or registrant: CAPCITY ADVOCATES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Taxation/Internal Revenue Code
$30,000
Paid to lobbying firm
…. S. 1831, The Auto Reenroll Act of 2025. S. 1707, The Helping Young Americans Save for Retirement Act. S. 5156, The Retirement Simplification and Clarity Act. S. 5204, The Simplifying Modern Access to Retirement Tools for Savings Act of 2026.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION FOR FIXED ANNUITIES · lobbying firm or registrant: CAPCITY ADVOCATES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Retirement
$30,000
Paid to lobbying firm
…. S. 1707, The Helping Young Americans Save for Retirement Act. S. 1831, The Auto Reenroll Act of 2025. S. 5156, The Retirement Simplification and Clarity Act. S. 5204, The Simplifying Modern Access to Retirement Tools for Savings Act of 2026.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHARLES SCHWAB CORPORATION · lobbying firm or registrant: THE CHARLES SCHWAB CORPORATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Retirement
$480,000
Spent on own lobbying
S. 5204/H.R 10039, the Simplifying Modern Access to Retirement Tools for Savings (SMART Savings) Act; H.R. 8338, the Safeguarding Americans Fairly Earned Retirement (S…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN COUNCIL OF LIFE INSURERS · lobbying firm or registrant: AMERICAN COUNCIL OF LIFE INSURERS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Retirement
$1,002,681
Spent on own lobbying
…payers with modified adjusted gross income (MAGI) over $400,000 for the prior year ($425,000 for heads of households, $450,000 for joint filers). 40.H.R.10039, S.5204 SMART Savings Act of 2026: This legislation amends the Internal Revenue Code to exempt individual retirement accounts (IRAs) from the Department of Labors proh…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION · lobbying firm or registrant: SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Taxation/Internal Revenue Code
$1,810,000
Spent on own lobbying
…IRS Form W-9; Trump IRA program; H.R. 10357, the Digital Asset Tax Certainty Act; S. 5616, the Aligning Digital Assets with Principles of Taxation (ADAPT) Act; S. 5204/H.R. 10039, SMART Savings Act of 2026.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION · lobbying firm or registrant: SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Retirement
$1,810,000
Spent on own lobbying
…ke technical corrections related to implementation of SECURE 2.0; ERISA fiduciary legislative proposals; Trump Accounts in Public Law 119-21; TrumpIRA program; S. 5204/H.R. 10039 - The SMART Savings Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing