S3233-119

Introduced

To amend the Older Americans Act of 1965 to provide financial planning services related to the needs of family caregivers, and for other purposes.

119th Congress Introduced Nov 20, 2025

Summary

What This Bill Does

The bill amends Title IV of the Older Americans Act of 1965 by inserting a new Section 415 after Section 414 (42 U.S.C and creates a new Section 415 in the Older Americans Act establishing a federal grant program for financial planning services targeted at family caregivers. It relies on grants and definition changes. The main policy areas are Social Welfare, Aging Services, Education, and Finance.

Who Benefits and How

Tribal organizations could gain revenue opportunities, Area agencies on aging could gain revenue opportunities, and Older relative caregivers (55+ caring for children/disabled) could gain revenue opportunities.

Who Bears the Burden and How

Administration for Community Living would take on compliance duties.

Key Provisions

  • Amends Title IV of the Older Americans Act of 1965 by inserting a new Section 415 after Section 414 (42 U.S.C.
  • Creates a new Section 415 in the Older Americans Act establishing a federal grant program for financial planning services targeted at family caregivers.

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.

At a Glance

What This Bill Does

The bill amends Title IV of the Older Americans Act of 1965 by inserting a new Section 415 after Section 414 (42 U.S.C and creates a new Section 415 in the Older Americans Act establishing a federal grant program for financial planning services targeted at family caregivers.

Key Policy Areas

Social Welfare, Aging Services, Education, Finance

Primary Purpose

The bill amends Title IV of the Older Americans Act of 1965 by inserting a new Section 415 after Section 414 (42 U.S.C and creates a new Section 415 in the Older Americans Act establishing a federal grant program for financial planning services targeted at family caregivers.

Policy Domains

Social Welfare Aging Services Education Finance

FINANCE Act - Financial Planning Services for Family Caregivers

Identified Gains
  • Tribal organizations
  • Area agencies on aging
  • Older relative caregivers (55+ caring for children/disabled)
  • Grandparents and relatives raising grandchildren (older relative caregivers)
  • Family caregivers of older adults and Alzheimers patients
Model: codex-gpt-5:bulk-repair | Version: bill_summary_v2 | Source: is
Tribal organizations: ,
Area agencies on aging: ,
Family caregivers of older adults and Alzheimers patients:
Older relative caregivers (55+ caring for children/disabled):
Grandparents and relatives raising grandchildren (older relative caregivers):
Identified Costs
  • Administration for Community Living
Model: codex-gpt-5:bulk-repair | Version: bill_summary_v2 | Source: is
Administration for Community Living:

Legislative Progress

Introduced
Introduced Committee Passed
Nov 20, 2025

Mr. Markey (for himself, Ms. Klobuchar, Mrs. Gillibrand, and Mr. …

Stakeholder Effects

cui bono?

How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.

Social Services
8 mentions across 2 clauses
+8 positive

Area agencies on aging, Multipurpose senior centers, Nonprofit organizations serving caregivers

Consumers
3 mentions across 2 clauses
+3 positive

Family caregivers of older adults and Alzheimers patients, Grandparents and relatives raising grandchildren (older relative caregivers), Older relative caregivers (55+ caring for children/disabled)

Educational Services
2 mentions across 2 clauses
+2 positive

Higher education institutions with aging/social work programs, Institutions of higher education

Financial Services
1 mention across 1 clause
+1 positive

Financial planning professionals

Professional Services
1 mention across 1 clause
+1 positive

Legal assistance providers (estate planning, wills)

Business
1 mention across 1 clause
+1 positive

Translation and interpretation services

Government
1 mention across 1 clause
-1 negative

Administration for Community Living

State & Local Government
1 mention across 1 clause
+1 positive

State and local government aging services agencies

2/3
sections analyzed
Full impact breakdown

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Social Welfare Aging Services Education Finance
Actor Mappings
"the_assistant_secretary"
→ Assistant Secretary for Aging (Administration for Community Living)

Key Definitions

Terms defined in this bill

2 terms
"family caregiver" §415(a)(1)

An adult family member or other individual who is an informal provider of in-home and community care to an older individual or to an individual with Alzheimers disease or related neurological disorder, or an older relative caregiver. Excludes individuals whose primary relationship is based on a financial or professional agreement.

"older relative caregiver" §415(a)(2)

A caregiver who is age 55 or older, lives with and is the primary caregiver for a child or individual with a disability, and in the case of a child is a grandparent, stepgrandparent, or other non-parent relative raising the child because parents are unable or unwilling.

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology