Bill Sponsor
Senate Bill 2403
119th Congress(2025-2026)
Retire through Ownership Act
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Passed Senate on Oct 9, 2025
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S. 2403 (Reported-in-Senate)

Calendar No. 158

119th CONGRESS
1st Session
S. 2403


To amend the Employee Retirement Income Security Act of 1974 to provide a clear definition of adequate consideration for certain closely held stock, and for other purposes.


IN THE SENATE OF THE UNITED STATES

July 23, 2025

Mr. Marshall (for himself and Mr. Kaine) introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions

September 11, 2025

Reported by Mr. Cassidy, with an amendment

[Strike out all after the enacting clause and insert the part printed in italic]


A BILL

To amend the Employee Retirement Income Security Act of 1974 to provide a clear definition of adequate consideration for certain closely held stock, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. Short title.

This Act may be cited as the “Retire through Ownership Act”.

SEC. 2. Amending adequate consideration definition.

(a) In General.—Section 3(18) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(18)) is amended—

(1) by redesignating clauses (i) and (ii) as subclauses (I) and (II), respectively;

(2) by redesignating subparagraphs (A) and (B) as clauses (i) and (ii), respectively;

(3) by inserting “(A)” before “The term”; and

(4) by adding at the end the following:

“(B) For purposes of clause (ii), a fiduciary of an employee stock ownership plan as defined in section 407(d)(6) may make a good faith reliance on the principles and methodologies set forth in Internal Revenue Service Revenue Ruling 59–60 (as in effect on the date of enactment of the ERISA Adequate Consideration Act of 2025) in determining the fair market value of an asset described in such clause.”.

(b) Effective Date.—The amendments made by subsection (a) shall apply with respect to determinations described in section 3(18)(B) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(18)(B)) (as added by such subsection) that are made on or after the date of enactment of this Act.

SECTION 1. Short title.

This Act may be cited as the “Retire through Ownership Act”.

SEC. 2. Amending adequate consideration definition.

(a) In General.—Section 3(18) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(18)) is amended—

(1) by redesignating clauses (i) and (ii) as subclauses (I) and (II), respectively;

(2) by redesignating subparagraphs (A) and (B) as clauses (i) and (ii), respectively;

(3) by inserting “(A)” before “The term”; and

(4) by adding at the end the following:

“(B) (i) For purposes of clause (ii) of subparagraph (A), a fiduciary of an employee stock ownership plan (as defined in section 407(d)(6)) may make a good faith reliance on a valuation provided by an independent valuation expert or business appraiser that has relied upon the principles and methodologies set forth in Internal Revenue Service Revenue Ruling 59–60 (as amplified and modified by the Internal Revenue Service from time to time) in determining the fair market value of an asset described in such clause.

“(ii) Clause (i) shall not be interpreted to—

“(I) preclude the Secretary from promulgating, in accordance with section 553 of title 5, United States Code, any regulation interpreting such clause;

“(II) expand the regulatory authority of the Secretary with respect to the term ‘adequate consideration’ beyond such authority available to the Secretary on the day before the date of enactment of the Retire through Ownership Act; or

“(III) modify a fiduciary's obligations under section 404.”.

(b) Effective Date.—The amendments made by subsection (a) shall apply with respect to determinations described in section 3(18)(B) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(18)(B)) (as added by such subsection) that are made on or after the date of enactment of this Act.


Calendar No. 158

119th CONGRESS
     1st Session
S. 2403

A BILL
To amend the Employee Retirement Income Security Act of 1974 to provide a clear definition of adequate consideration for certain closely held stock, and for other purposes.

September 11, 2025
Reported with an amendment