{"id":54200,"date":"2025-10-15T11:12:40","date_gmt":"2025-10-15T08:12:40","guid":{"rendered":"https:\/\/coinengineer.net\/blog\/?p=54200"},"modified":"2025-10-15T11:12:40","modified_gmt":"2025-10-15T08:12:40","slug":"trump-401k-crypto-investment-bill","status":"publish","type":"post","link":"https:\/\/coinengineer.net\/blog\/trump-401k-crypto-investment-bill\/","title":{"rendered":"Republicans Push Bill to Legalize Trump 401(k) Crypto Order"},"content":{"rendered":"<p data-start=\"650\" data-end=\"964\">Republican lawmakers want to turn <strong>Donald Trump<\/strong> executive order on <strong>401(k)<\/strong> <strong><a href=\"https:\/\/coinengineer.net\/blog\/us-congress-sec-trump-crypto-401k\/\">crypto<\/a> investments<\/strong> into law. Montana Representative Troy Downing will introduce the Retirement Investment Choice Act on Tuesday. The bill would make Trump\u2019s August order permanent and protect it from future reversals.<\/p>\n<p data-start=\"966\" data-end=\"1218\">Downing said in a statement, \u201cAlternative investments can strengthen the financial security of millions of Americans saving for retirement. I commend President Trump\u2019s leadership in democratizing finance and am proud to lead this effort in Congress.\u201d<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinengineer.net\/blog\/trump-401k-crypto-investment-bill\/#Background_Trumps_Order_and_Policy_Shift\" title=\"Background: Trump\u2019s Order and Policy Shift\">Background: Trump\u2019s Order and Policy Shift<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinengineer.net\/blog\/trump-401k-crypto-investment-bill\/#Support_Concerns_and_Whats_Next\" title=\"Support, Concerns, and What\u2019s Next\">Support, Concerns, and What\u2019s Next<\/a><\/li><\/ul><\/nav><\/div>\n<h3 data-start=\"1225\" data-end=\"1275\"><span class=\"ez-toc-section\" id=\"Background_Trumps_Order_and_Policy_Shift\"><\/span>Background: Trump\u2019s Order and Policy Shift<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1277\" data-end=\"1615\">On August 7, 2025, Trump signed an order directing the Department of Labor (DOL), SEC, and Treasury to explore ways to expand access to alternative assets in 401(k) plans. The move reversed the Biden administration\u2019s 2022 guidance, which warned against crypto exposure due to high volatility and investor risk.<\/p>\n<p data-start=\"1617\" data-end=\"1885\">Under Trump\u2019s leadership, the restrictions were lifted in May 2025.The administration supported more access to digital assets and private equity for long-term portfolios. The new bill aims to lock in that change and prevent future policy swings.<\/p>\n<h3 data-start=\"1892\" data-end=\"1934\"><span class=\"ez-toc-section\" id=\"Support_Concerns_and_Whats_Next\"><\/span>Support, Concerns, and What\u2019s Next<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1936\" data-end=\"2128\">The proposal has four Republican co-sponsors: Byron Donalds, Buddy Carter, Warren Davidson, and Barry Moore. Sources say there is no Senate version of the bill yet.<\/p>\n<p data-start=\"2130\" data-end=\"2414\">Supporters argue that the plan will diversify portfolios and improve long-term returns. Critics warn about market risks, high fees, and unsuitable products for average investors. The DOL\u2019s final rule must balance freedom and protection for plan participants.<\/p>\n<p data-start=\"2416\" data-end=\"2670\">Experts estimate that America\u2019s $12 trillion retirement fund market could bring huge capital into crypto if the bill passes. As Politico and Reuters reported, the effort aims to give Trump\u2019s \u201cfinancial democratization\u201d policy lasting legal force.<\/p>\n<p><em>You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don\u2019t forget to follow us on our\u00a0<a href=\"https:\/\/t.me\/coinengineernews\" target=\"_blank\" rel=\"nofollow noopener\">Telegram,\u00a0<\/a><a href=\"https:\/\/www.youtube.com\/@CoinEngineer\" target=\"_blank\" rel=\"nofollow noopener\">YouTube<\/a>,\u00a0and\u00a0<a href=\"https:\/\/twitter.com\/coinengineers\" target=\"_blank\" rel=\"nofollow noopener\">Twitter<\/a>\u00a0channels for the latest\u00a0<a title=\"News\" href=\"https:\/\/coinengineer.net\/blog\/news\/\" data-internallinksmanager029f6b8e52c=\"7\">news<\/a>\u00a0and updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Republican lawmakers want to turn Donald Trump executive order on 401(k) crypto investments into law. Montana Representative Troy Downing will introduce the Retirement Investment Choice Act on Tuesday. The bill would make Trump\u2019s August order permanent and protect it from future reversals. Downing said in a statement, \u201cAlternative investments can strengthen the financial security of<\/p>\n","protected":false},"author":36,"featured_media":41069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,2],"tags":[22245,6265,24785,24783,39,24784,3310,7349],"class_list":["post-54200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-news","category-news","tag-401k","tag-crypto-bill","tag-gop","tag-retirement-plans","tag-sec","tag-troy-downing","tag-trump","tag-us-congress"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Republicans Push Bill to Legalize Trump 401(k) Crypto Order - Coin Engineer<\/title>\n<meta name=\"description\" content=\"Republicans introduce a bill to make Trump executive order on 401(k) crypto and private equity investments permanent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/coinengineer.net\/blog\/trump-401k-crypto-investment-bill\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Republicans Push Bill to Legalize Trump 401(k) Crypto Order - 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