The U.S. Treasury Department and IRS have proposed rules to make Trump Accounts easier to fund through workplaces, allowing employees to direct pre-tax payroll dollars through cafeteria plans to dependent children's 530A accounts and letting employers contribute up to $2,500 a year tax-free within the program's $5,000 annual cap. The guidance, released Tuesday and subject to public comment and an October hearing, also lays out compliance steps for employers, including written plans, beneficiary certifications, notices, annual statements and verification that contributions reach eligible Trump Accounts. Trump Accounts launched on July 4 as tax-deferred investment accounts for U.S. children under 18 with Social Security numbers and are designed to convert into traditional IRAs when beneficiaries reach adulthood; children born from 2025 through 2028 can receive a one-time $1,000 Treasury deposit, while children outside that birth window can still receive employer-funded tax-free contributions. Treasury Secretary Scott Bessent said about 7 million children had signed up and more than 50 companies had committed to contribute, though a Mercer poll showed only about 4% of employers expected to implement programs in 2026 or 2027. Strategy Inc. said it would contribute $250 a year for each eligible child of its U.S. employees and $1,000 for eligible newborns.