The SEEDS Act of 2026 makes two changes to the tax code involving "Trump accounts," a type of savings vehicle. First, it allows digital asset indexes (such as cryptocurrency indexes) to be treated as eligible investments within these accounts, expanding the types of investments account holders can make. Second, it makes permanent a pilot program for Trump account contributions that was previously set to expire on January 1, 2029, removing the sunset date and allowing ongoing participation. The bill's digital asset provision applies to investments made after the bill becomes law, while the permanent contribution program takes effect for tax years beginning after December 31, 2025. The legislation does not specify new funding allocations but effectively expands investment options and removes a time limit for a federal tax incentive program.
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