Introduce and support legislation to allow direct qualified charitable distributions from employer-sponsored retirement plans and remove the associated tax penalty and bureaucratic friction.

U.S. Senators Chris Coons and Kevin Cramer introduced the Charity Parity Act, which would allow taxpayers to make direct qualified charitable distributions from employer-sponsored retirement plans and eliminate the current tax penalty/bureaucratic friction for those donations.

Coons co-introduced a bill to change tax rules so charitable donations can be made directly from employer-sponsored retirement plans without the current penalty and friction.

Senators Coons, Cramer introduce Charity Parity Act to eliminate tax penalties on charitable donations from employer sponsored retirement plans
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Coons and Cramer introduced the Charity Parity Act to allow direct QCDs from employer-sponsored retirement plans.

Coons's official Senate office states that he introduced the Charity Parity Act with Senator Cramer. The described bill matches the promise to introduce and support legislation allowing direct qualified charitable distributions from employer-sponsored retirement plans.

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Senators Coons, Cramer introduce Charity Parity Act to eliminate tax penalties on charitable donations from employer sponsored retirement plans
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S.4511 is listed as a bill excluding charitable distributions from certain employer-sponsored retirement plans from gross income.

Senator Cramer's official legislation page lists S.4511 on May 13, 2026, with the operative title matching the Charity Parity Act. This corroborates the Senate bill vehicle for the Coons-Cramer proposal.

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Legislation | Senator Kevin Cramer of North Dakota
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The draft bill excludes qualified charitable distributions from qualified employer plans and requires direct plan-to-charity transfers.

The bill text amends the Internal Revenue Code to exclude qualifying charitable distributions from employer-sponsored plans from gross income, covering the promised tax treatment and direct-distribution mechanism.

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Charity Parity Act Text
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H.R. 8783 was introduced to exclude charitable distributions from certain employer-sponsored retirement plans from gross income.

The Congressional Record shows the House companion bill was introduced and referred to Ways and Means on May 13, 2026, supporting that the proposal was a concrete bicameral legislative effort.

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Congressional Record — House, May 13, 2026
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IRS guidance describes QCDs as otherwise taxable IRA distributions paid directly to charity.

IRS guidance establishes the current baseline that QCD treatment applies to IRA distributions, explaining why legislation was needed for employer-sponsored plans. The Coons-Cramer bill addresses that identified gap.

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Retirement plans FAQs regarding IRAs
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