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IRS & compliance · Sep 19, 2026

Trump Account $1,000 Government Seed (Babies Born 2025–2028): Compliance Planning for Newborn Families

OBBBA added §530A Trump Accounts and a §6434 pilot: U.S.-citizen qualifying children born 2025–2028 with SSNs may receive a one-time $1,000 Treasury seed after Form 4547 / portal election (not before July 4, 2026). Growth-period withdrawals are generally barred. Cary/RTP newborn families should plan elections and records carefully.

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