Bills · HR 6450
IN COMMITTEE· 119TH CONGRESS
House BillHR 6450Taxation
Retirement Rollover Flexibility Act
INTRO DEC 4· LAST ACTION DEC 4
READING
3MIN
COSPONSORS
2
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenVoters should care about this bill because it offers greater control and organization over their retirement savings, specifically for Roth accounts. Without this bill, people might end up with multiple small Roth IRAs that are difficult to track or manage, especially after changing jobs. By allowing these funds to be moved into an active workplace Roth account, it reduces the risk of forgotten or lost retirement savings and streamlines financial planning.
If this bill becomes law, it provides a clear pathway for consolidating Roth savings, which can lead to better investment management and easier access to information. If it doesn't become law, individuals will continue to face limitations on how they can move Roth IRA funds into Roth workplace accounts, potentially leading to more fragmented retirement portfolios and making it harder to keep track of their full savings.
KEY PROVISIONS
4AI-extractedPROVISION 01
Permits direct rollovers of funds from eligible Roth IRAs to designated Roth accounts.
This creates a clear legal pathway for individuals to consolidate certain Roth IRA funds into their workplace Roth accounts, which was previously ambiguous or prohibited.
PROVISION 02
Allows rollovers from Roth IRAs to designated Roth accounts specifically through 'automatic portability transactions.'
This addresses a common scenario where small retirement accounts are automatically moved when someone changes jobs, helping to prevent small Roth IRA balances from being lost or forgotten.
PROVISION 03
Defines 'eligible Roth IRA' for these transfers, generally limiting them to Roth IRAs that are the only one maintained by an individual and do not exceed certain balance thresholds.
This provision clarifies the specific conditions and types of Roth IRAs that qualify for these new rollover options, ensuring the changes are targeted.
PROVISION 04
Coordinates these new rollover rules with existing rules regarding the 5-year nonexclusion period for Roth distributions, ensuring the original account's timeline is recognized.
This ensures that individuals who transfer their Roth funds do not lose credit for the time their money has already been in a Roth account, which is crucial for tax-free withdrawals.
SPONSORSHIP
1 + 2
R· Illinois
YRS IN OFFICE
11
BILLS LED
38
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 2 REP 0 IND 0
ACTION TIMELINE
2 EVENTSDEC 4
Introduced in House
DEC 4
Referred to the House Committee on Ways and Means.
BILL INFO
TypeHouse Bill
NumberHR 6450
Congress119th
StatusIn Committee
IntroducedDec 4, 2025
Last actionDec 4, 2025
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED DEC 4, 2025
House BillHR 6450Taxation
Retirement Rollover Flexibility Act
INTRODUCED DEC 4, 2025· LAST ACTION DEC 4, 2025
PASSAGE CHANCES
—%
READING
3 min
COSPONSORS
2
COMPLEXITY
Moderate
