{"bills":[{"photos":{"featured":"https://assets.causes.com/bill/photo/hjres66-115/featured_disapproving-the-rule-submitted-by-the-department-of-labor-relating-to-savings-arrangements-established-by-stat-1493779700.jpg","featured_large":"https://assets.causes.com/bill/photo/hjres66-115/featured_large_disapproving-the-rule-submitted-by-the-department-of-labor-relating-to-savings-arrangements-established-by-stat-1493779700.jpg","shareable":"https://n.causes.com/share-images/bills/hjres66-115.png"},"introduced_on":"2017-02-07","title_override":"Should a Rule Letting States Enroll Workers in State-Managed IRAs be Overturned?","summary_override":"

This resolution would repeal a regulation that allows states to establish payroll deduction savings programs and require employers that don’t have workplace savings programs to automatically deduct a specified amount of wages from their employees’ paychecks unless the worker opts out. The rule was finalized during the final months of the Obama administration.

Under the Congressional Review Act, Congress is able to overturn regulations finalized within the last 60 legislative days with simple majority votes on a joint resolution of disapproval in both chambers and the president’s signature. CRA resolutions also prevent the federal agency that created the regulation from issuing a similar rule without being directed to do so by Congress.

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It provides guidance to states designing the programs to reduce the risk of ERISA preemption of state laws and private-sector employers that may be covered by the state laws.)","summarized":true,"cost":null,"cost_commentary":"A CBO cost estimate is unavailable.","impact":"People enrolled a state savings plan; businesses; and states that offer savings plan.","argument_for":"The Obama administration’s rule created unintended consequences, such as discouraging small businesses from offering 401(k)s, fewer protections, and giving savers less control over their money. It needs to be repealed.","argument_against":"The Obama administration’s rule wisely promotes saving for retirement by auto-enrolling workers in a savings plan if their employers don’t have a retirement savings program. Besides, workers can opt out of them.","bill_type":"hjres","published":true,"type":"FederalBill","id":"hjres66-115","bill_id":"hjres66-115","formal_id":"H. 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Debbie

Should a Rule Letting States Enroll Workers in State-Managed IRAs be Overturned?