529 Retirement Enhancement Act of 2026
Removes the overall limit on rollovers from 529 programs to Roth IRAs while keeping the annual limitation.
In the Senate Finance Committee since Sept. 24, 2026, 14 days after it was introduced. Most bills never leave committee.
- INTRODUCEDINTROSEP 24, 2026
- COMMITTEECOMM.IN COMMITTEE
- SENATESENATE—
- HOUSEHOUSE—
- LAWLAW—
What the bill would do, and why it matters
The issue is how much money in a 529 program can be moved into a Roth IRA. The bill would remove the overall limit on those rollovers while keeping the annual limitation.
- INTRODUCED ONLY This bill has been introduced and possibly referred to a committee, but it has not passed any vote. Most introduced bills never become law — they die in committee without a hearing.
- DATA NOTE No Congressional Research Service summary was available.
- Remove the overall rollover limit
The bill would eliminate the aggregate limit on rollovers from a 529 program to a Roth IRA. The annual limitation would remain.
The practical difference is that the overall cap on moving money from a 529 program to a Roth IRA would no longer apply. The annual limit would still restrict rollovers.
Written from the bill text.
The path it took, step by step
- IntroducedSEP 24, 2026SENATESEP 24, 2026By Sen. Cruz with 1 original cosponsorReferred to Finance
- SAME DAYNOWSenate committeeSEP 24, 2026FINANCE NOWSEP 24, 2026In committee for 14 daysNo hearing yet
- 14 DAYS SO FARPassed the Senate—SENATE FLOOR—Not scheduled
- House committee—HOUSE—
- Passed the House—HOUSE FLOOR—Not scheduled
- Resolve differencesONLY IF NEEDEDBOTH CHAMBERSONLY IF NEEDEDSkipped if the other chamber passes the same text
- Signed into law—PRESIDENT—10 days to sign or veto
- SEP 242026SEP 24, 2026REFERREDRead twice and referred to the Committee on Finance.
- SEP 242026SEP 24, 2026INTRODUCEDSENATEIntroduced in Senate
At day 14, this bill is already older than 3% of the laws passed this Congress were when they were signed.
Where your members stand on it
Support from one state
Plus the sponsor, a Republican. Every cosponsor is from one party.
Plus the sponsor, a Republican. Every cosponsor is from one party.
Sen. Cruz’s record: sponsored 133 bills this Congress. 17 passed the Senate; 3 became law.
- Lisa Blunt RochesterD-DEORIGINAL
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