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**SEO-focused Alt Text:** Digital illustration of a modern 401(k) retirement savings folder seamlessly blending with Bitcoin and Ethereum cryptocurrency symbols, set against a background accented with circuit and blockchain patterns. The design features bold orange, dark blue, and midnight blue colors, and includes a confident, diverse American worker gazing forward, representing secure and innovative future retirement investing, in a sleek contemporary fintech style. News October 15, 2025 US Lawmaker Proposes Bill to Legalize Cryptocurrency Investments in 401k Retirement Accounts James Carter Financial Analyst & Content Creator | Expert in Cryptocurrency & Forex Education

US Representative Troy Downing has introduced a bill to make cryptocurrency an eligible investment for 401k retirement accounts, aiming to enshrine President Trump’s executive order into permanent law. The proposed legislation could open the $9.3 trillion 401k market to digital assets like Bitcoin and Ethereum, offering American savers greater diversification and financial innovation. The bill also calls on the Department of Labor to update retirement plan guidance for crypto, ensuring oversight and investor protections. If passed, this move could drive institutional crypto adoption, spark new financial products, and reshape the future of retirement savings in the US.

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