Trump Administration Advances Rule to Allow Crypto in 401(k) Plans

crypto in 401(k) — A proposed rule that would permit cryptocurrencies and other alternative assets in 401(k) retirement plans has been submitted to the White House for review, moving the Trump administration closer to a major policy shift.

The rule, which landed at the Office of Information and Regulatory Affairs (OIRA) on November 6, 2026, would open the door for plan sponsors to offer digital asset investment options to millions of American workers. This marks a formal step in the regulatory process, where the OIRA will now conduct its final review before the rule can be finalized and implemented.

If enacted, the change could significantly broaden the investor base for cryptocurrencies by allowing them into tax-advantaged retirement accounts traditionally dominated by stocks, bonds, and mutual funds. The move aligns with the administration’s broader push to integrate digital assets into the mainstream financial system.

The proposal’s advancement follows years of debate over the suitability of volatile assets like Bitcoin for long-term retirement savings. The final rule’s specific provisions and any potential safeguards for investors will be closely scrutinized upon its release.