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closeup of U.S. capitol dome with U.S. flag flying U.S. Capitol building in Washington, D.C. October 9, 2016. (Photo: Mike Scarcella/ALM

For many hoping Congress would pass more retirement system improvements last year, 2021 ended with a thud. Early momentum for “SECURE 2.0” (a collection of several proposed bills) was stymied by a congressional agenda overtaken by pandemic relief, government funding and debt-ceiling deadlines, and repeated attempts to advance the President’s signature social spending package, the Build Back Better Act, or BBB.

With fall midterm elections on the horizon, bipartisan movement will need to happen sooner to give SECURE 2.0 a chance to be wrapped up later in 2022. BBB also has a chance to rise from the ashes and potentially introduce some concerning restrictions to retirement savings (if Democrats can bridge differences within their own caucus).

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