Bill · H.R. 7314· House(119-HR-7314)
Advancing Commonsense Policies Act
- Introduced
- 2/2/2026
- Last activity
- 5/20/2026 — Referred to the Subcommittee on Livestock, Dairy, and Poultry.
- Sponsored by
- Seth Magaziner
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
The Advancing Commonsense Policies Act introduces several updates to retirement, employment, and national security regulations. It implements changes to retirement plan automatic enrollment, contribution limits, and provides new withdrawal options for victims of domestic abuse. The bill also focuses on supporting veterans through apprenticeship resources and entrepreneurship training via the "Boots to Business Program." Additionally, it addresses job security for injured federal employees and expands benefits for first responders like firefighters. Finally, the legislation includes measures to strengthen the semiconductor supply chain and increases penalties for certain crimes committed in school zones.
Yes· 3 of 23
Would middle-income households be better off under this?+5
The bill increases retirement savings opportunities and enhances the Saver's Credit.
Would veterans be better off under this, taking everything together?+5
The bill provides targeted apprenticeship information and entrepreneurship training through the Boots to Business Program.
Does this cut taxes for small businesses?+5
It increases the credit percentage for small employer pension plan startup costs.
The opposite
Does this shorten or soften prison sentences?-4
The bill imposes stricter prison sentences for crimes committed in school zones, such as human trafficking and coercion.
Does this change how police departments operate?-2
The bill increases criminal penalties for human trafficking and coercion violations occurring in school zones.
Who it would affect, and how
Potential Positive Impacts for People
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Support for Veterans: The bill requires a user-friendly, searchable website to help veterans find information about apprenticeship programs, including costs and contact information. (Sec. 202)
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Entrepreneurship Training for Veterans: The "Boots to Business Program" provides training and tools to help military members, veterans, and their families start small businesses. (SEC. 501)
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Job Security for Injured Federal Employees: It establishes a sense of Congress that federal agencies should retain the expertise of employees injured on duty by reappointing them to suitable civil service positions with commensurate pay within the same agency or location. (Sec. 301)
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Retirement Protections for High-Risk Employees: The bill provides specific retirement treatment for individuals in "covered positions"—such as law enforcement, firefighters, and air traffic controllers—who become permanently unable to perform their duties due to an on-duty injury or illness. (Sec. 302)
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Protection for Firefighters and First Responders: The bill expands benefits and creates exclusions for disability-related retirement payments for first responders, including firefighters and paramedics. (SEC. 432, SEC. 433)
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Support for Domestic Abuse Victims: The bill allows for penalty-free withdrawals from retirement plans for victims of domestic abuse, providing essential financial resources. (SEC. 439)
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Increased Retirement Savings Incentives: It expands automatic enrollment requirements, mandates a minimum contribution percentage, and provides a 50 percent credit rate for the Saver's Credit. (Sec. 401, Sec. 404)
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Support for Student Debt Management: The bill allows employers to provide matching contributions to retirement plans based on an employee's qualified student loan payments. (Sec. 411)
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Financial Inclusion for Military Spouses: It creates a retirement plan eligibility credit specifically for small employers to support military spouses. (Sec. 413)
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Enhanced Financial Flexibility: Changes to retirement rules allow for easier hardship withdrawals and provide more flexibility for employers to increase benefit accruals. (SEC. 438, SEC. 441)
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Ease of Locating Lost Savings: An online "Retirement Savings Lost and Found" database will allow individuals to search for and locate administrators of previous plans to recover owed benefits. (Sec. 427)
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Preserving Cultural History: A commission will study the potential creation of a National Museum of Asian Pacific American History and Culture to promote and preserve history and culture. (SEC. 701)
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Strengthening Economic Security: By focusing on the semiconductor supply chain and reviewing foreign ownership of ports, the bill seeks to protect the United States economy and national security. (SEC. 802, SEC. 1301)
Potential Negative Impacts for People
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Administrative Burden on Employers: New requirements for automatic enrollment, such as specific contribution percentages and investment requirements, may impact how companies manage their plans. (Sec. 401)
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Mandatory Contributions: Under new automatic enrollment rules, employee contributions are set at a specific percentage (between 3 and 10 percent) unless the participant specifically elects otherwise. (Sec. 401)
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Potential Impact on Small Business Costs: Changes to how plans are managed could involve new administrative tasks for small employers. (Sec. 402)
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Increased Criminal Penalties: The bill imposes stricter prison sentences for human trafficking and coercion crimes committed within school zones or near institutions of higher education. (SEC. 601, SEC. 602)
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Increased Financial Burdens for Plans: Provisions regarding retirement plan corrections and adjustments may impact how plan assets and earnings are handled. (SEC. 430)
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Middle Class Households+5Good For Veterans+5Good For Asian Americans+4Good For Business Owners+4Good For Seniors+4Good For Young Adults+4Good For Low Income Households+3Good For Women+3
- Economy And Finance
- Improves Small Business Support+5Reduces Small Business Taxes+5Reduces Middle Class Taxes+4Improves Economic Growth+3Increases Job Creation+3
- National Security And Foreign Policy
- Improves Veterans Benefits+5Improves Cybersecurity Defense+2Improves International Trade+2
- Education And Technology
- Improves College Affordability+4Increases Scientific Research Funding+2
- Governance And Ideology
- Improves Government Transparency+3Improves Privacy Rights+2
- Healthcare
- Improves Healthcare Access+2
- Social Issues And Justice
- Improves Poverty Reduction+2Improves Racial Equity+2Improves Criminal Sentencing Reform-4Improves Policing Reform-2
- 5/20/2026
- Referred to the Subcommittee on Livestock, Dairy, and Poultry.
- 2/2/2026
- Referred to the Committee on Ways and Means, and in addition to the Committees on Veterans' Affairs, Armed Services, Energy and Commerce, Transportation and Infrastructure, Financial Services, Education and Workforce, Oversight and Government Reform, Foreign Affairs, Agriculture, Natural Resources, Small Business, Science, Space, and Technology, the Judiciary, Homeland Security, Intelligence (Permanent Select), House Administration, Rules, Ethics, the Budget, and Appropriations, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.