Guide
530A rule changes: a dated log
Last checked October 8, 2026
The short answer
The law was signed in July 2025 and contributions opened in July 2026. Most of the detailed rules are still temporary or proposed. The biggest recent change came on October 1, 2026, when Treasury finished opening an account for every eligible child.1
2026
- October 1. Treasury announced that automatic enrollment was complete. Every eligible child under 18 with a valid Social Security number has an account, to be claimed by a parent or guardian.1 See how to claim it.
- September 30. Temporary regulations took effect, letting Treasury open accounts automatically. They expire on September 30, 2029.2 A matching proposal was published the same day, withdrawing the March proposal on opening accounts. Comments on it are due November 30, 2026.3
- August 21. Proposed regulations on which investments are allowed. Comments are due October 20, 2026.4
- August 11. Proposed regulations on employer contributions. A public hearing is set for October 15, 2026.5
- July 4. Official launch of the full Trump Accounts app. Contributions could begin.6
- July 1. Treasury announced the investment lineup: one default S&P 500 fund, with four more index funds named for later.7
- May 28. The Trump Accounts app was released so that families already signed up could activate their accounts.8
- April 6. Treasury named BNY as its financial agent, with Robinhood as brokerage and initial trustee.9
- March 9. Proposed regulations on the $1,000 program10 and on how accounts are opened.11 The second was later withdrawn and replaced.3
2025
- December 2. The IRS issued Notice 2025-68, its first guidance on the accounts, and a draft of Form 4547.12
- December 2. Michael and Susan Dell pledged $6.25 billion: $250 each for children aged 10 and under who live in ZIP codes with a median income below $150,000.13
- July 4. The law creating the accounts was signed, adding section 530A to the tax code.14
What is expected next
- Final versions of the proposed regulations. None is final yet.
- The ability to choose among the named funds, which Treasury said would come in the months after launch.7
- Transfers to private providers. No date has been announced. See moving to a private broker.
Changes to this site
- October 8, 2026. These guides were first published. The calculator was changed to round the yearly limits down to the nearest $100 once they start rising in 2028, as the statute requires.14
Sources
- U.S. Treasury press release, October 1, 2026: automatic enrollment completed
- Temporary regulations, “Trump Accounts” (Federal Register, September 30, 2026)
- Proposed regulations, and withdrawal of the March proposal, “Trump Accounts” (Federal Register, September 30, 2026)
- Proposed regulations on eligible investments (Federal Register, August 21, 2026)
- Proposed regulations on employer contributions (Federal Register, August 11, 2026)
- U.S. Treasury press release, July 4, 2026: official launch
- U.S. Treasury press release, July 1, 2026: investment lineup
- U.S. Treasury press release, May 28, 2026: launch of the Trump Accounts app
- U.S. Treasury press release, April 6, 2026: BNY designated financial agent
- Proposed regulations on the $1,000 program (Federal Register, March 9, 2026)
- Proposed regulations on opening accounts (Federal Register, March 9, 2026)
- IRS news release IR-2025-117, December 2, 2025
- White House, December 2, 2025: Dell gift announcement
- 26 U.S.C. § 530A, Trump accounts (Cornell Legal Information Institute)
Last checked October 8, 2026. The rules for these accounts are still being written, so check the sources before acting.