Presidential DocumentExecutive Order 144032026-08908
Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
May 5, 2026
Signed
April 30, 2026
Issuing agencies
Executive Office of the President
Full Text
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<title>Federal Register, Volume 91 Issue 86 (Tuesday, May 5, 2026)</title>
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[Federal Register Volume 91, Number 86 (Tuesday, May 5, 2026)]
[Presidential Documents]
[Pages 24329-24331]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2026-08908]
Presidential Documents
Federal Register / Vol. 91 , No. 86 / Tuesday, May 5, 2026 /
Presidential Documents
[[Page 24329]]
Executive Order 14403 of April 30, 2026
Promoting Retirement-Savings Access for American
Workers by Establishing <a href="http://TrumpIRA.gov">TrumpIRA.gov</a>
By the authority vested in me as President by the
Constitution and the laws of the United States of
America, and to ensure that every American worker has
access to a simple, portable, low-cost retirement-
savings option, it is hereby ordered:
Section 1. Policy. Tens of millions of Americans lack
access to employer-sponsored retirement plans. Workers
in small businesses, part-time workers, independent
contractors, and self-employed workers face unnecessary
barriers to saving for retirement. My Administration
intends to give these often-left-out American workers
access to the same type of retirement-savings
opportunities offered to every Federal worker and to
establish an easy and transparent way for eligible
workers to obtain up to a $1,000 match for their
savings. Hard-working Americans deserve retirement
security in portable savings vehicles that offer access
to low-cost investments similar to those offered to
Federal workers in the Thrift Savings Plan.
It is the policy of the United States to promote high-
quality, low-cost individual retirement accounts (IRAs)
offered by private-sector financial institutions that
meet objective standards of cost, transparency, and
fiduciary responsibility.
It is further the policy of the United States to
increase public awareness of the Federal Saver's Match
enacted in the bipartisan SECURE 2.0 Act (Public Law
117-328, Division T) and to facilitate participation in
eligible retirement-savings vehicles that provide
diversified, index-based investment options.
Through a federally administered retirement-savings
informational platform that highlights qualifying high-
quality, low-cost, private-sector IRAs, the United
States will promote retirement-savings participation,
provide access to retirement-savings options similar to
those enjoyed by Federal employees, and encourage
workers to reap the rewards of the vibrant American
private-sector along with the power of compound
earnings.
Sec. 2. Establishment of <a href="http://TrumpIRA.gov">TrumpIRA.gov</a>. (a) The
Secretary of the Treasury shall, by January 1, 2027,
establish a website (<a href="http://TrumpIRA.gov">TrumpIRA.gov</a>) that provides
individuals, with a particular focus on independent
contractors, self-employed individuals, and other
workers who do not have access to an employer-sponsored
retirement plan, with information about high-quality,
low-cost IRAs. Individuals who contribute to qualifying
IRAs, and who are otherwise eligible, are entitled to a
Federal Saver's Match contribution of up to $1,000
pursuant to 26 U.S.C. 6433.
(b) <a href="http://TrumpIRA.gov">TrumpIRA.gov</a> shall list financial institutions
that offer IRAs under 26 U.S.C. 408, accept the Federal
Saver's Match contribution under 26 U.S.C.
6433(e)(2)(C), and meet other criteria, as directed by
the Secretary of the Treasury, consistent with
applicable law. In addition, <a href="http://TrumpIRA.gov">TrumpIRA.gov</a> shall explain
the cost and quality criteria described in subsection
(c) of this section, allow individuals to filter and
select IRAs based on their cost and quality, and
provide information regarding the opportunity to
receive the Federal Saver's Match contribution under 26
U.S.C. 6433, consistent with applicable law.
(c) <a href="http://TrumpIRA.gov">TrumpIRA.gov</a> shall identify financial
institutions that offer IRAs that:
[[Page 24330]]
(i) provide a menu of investment options that meet stated criteria
including:
(A) investment fund products or model portfolios, including life-cycle or
targeted-retirement-date options as described in 29 CFR 2550.404c-
5(e)(4)(i), or balanced funds as described in 29 CFR 2550.404c-5(e)(4)(ii);
or
(B) funds that are designed to protect principal on an ongoing basis, as
described in 29 CFR 2550.404c-5(e)(4)(iv);
(ii) maintain low administrative costs, with overall net-expense ratios,
inclusive of operating costs, management fees, and administrative expenses,
limited to .15 percent; and
(iii) do not impose minimum-contribution or balance requirements.
(d) In accordance with section 104(a) of the SECURE
2.0 Act, <a href="http://TrumpIRA.gov">TrumpIRA.gov</a> shall be designed to increase
public awareness of the opportunity for eligible
individuals to make contributions to retirement-savings
vehicles and receive the Federal Saver's Match
contribution; facilitate low-cost, safe, and informed
retirement-savings decisions; and increase retirement
saving.
Sec. 3. Federal Saver's Match Implementation. (a) The
Secretary of the Treasury shall take all necessary
steps, as appropriate and consistent with applicable
law, to ensure that qualifying individuals who
contribute to IRAs, including those who open IRAs
listed on <a href="http://TrumpIRA.gov">TrumpIRA.gov</a> and otherwise satisfy all
applicable requirements, receive the Federal Saver's
Match contribution.
(b) The Secretary of the Treasury shall take all
necessary steps, as appropriate and consistent with
applicable law, to encourage financial institutions to
accept the Federal Saver's Match contributions in
accordance with rules established by the Secretary.
Sec. 4. Charitable Contributions. The Secretary of the
Treasury and the Commissioner of the Internal Revenue
Service shall, as appropriate and consistent with
applicable law, provide guidance with respect to the
tax treatment of contributions made by tax-exempt
organizations to IRAs maintained by workers who are
members of a charitable class entitled to receive the
contribution without jeopardizing the organizations'
tax-exempt status.
Sec. 5. Worker Protection. The Secretary of the
Treasury and the Secretary of Labor shall issue
regulations, exemptions, or guidance, as appropriate
and consistent with applicable law, to ensure that IRAs
maintained by financial institutions, including those
listed on <a href="http://TrumpIRA.gov">TrumpIRA.gov</a>, protect workers, maintain
transparency, and prevent prohibited transactions
within the meaning of 26 U.S.C. 4975.
Sec. 6. Legislative Recommendations. The Secretary of
the Treasury, in consultation with the Assistant to the
President for Economic Policy, shall prepare
legislative recommendations to codify the policy set
forth in this order so that workers lacking access to
employer-provided retirement plans, including workers
in small businesses, part-time workers, independent
contractors, and self-employed workers, have access to
a retirement option with low fees, eligibility for the
Federal Saver's Match or other matching contributions,
diversified index-based investment options, automatic
portfolio choices, and portability.
Sec. 7. Severability. If any provision of this order,
or the application of any provision to any individual
or circumstance, is held to be invalid, the remainder
of this order and the application of its other
provisions to any other individuals or circumstances
shall not be affected thereby.
Sec. 8. General Provisions. (a) Nothing in this order
shall be construed to impair or otherwise affect:
(i) the authority granted by law to an executive department or agency, or
the head thereof; or
(ii) the functions of the Director of the Office of Management and Budget
relating to budgetary, administrative, or legislative proposals.
[[Page 24331]]
(b) This order shall be implemented consistent with
applicable law and subject to the availability of
appropriations.
(c) This order is not intended to, and does not,
create any right or benefit, substantive or procedural,
enforceable at law or in equity by any party against
the United States, its departments, agencies, or
entities, its officers, employees, or agents, or any
other person.
(d) The costs for publication of this order shall
be borne by the Department of the Treasury.
<GRAPHIC(S) NOT AVAILABLE IN TIFF FORMAT>
(Presidential Sig.)
THE WHITE HOUSE,
April 30, 2026.
[FR Doc. 2026-08908
Filed 5-4-26; 11:15 am]
Billing code 4810-25-P
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</html>Indexed from Federal Register on May 5, 2026.
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