Middle Class Flexible Savings Act of 1993

Referred to the House Committee on Ways and Means.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Feb 4, 1993

Middle Class Flexible Savings Act of 1993 - Amends the Internal Revenue Code to increase the retirement savings deduction and the maximum individual retirement account contribution from $2,000 to $3,000. Raises income phase-out limits. Provides an inflation adjustment for such amounts. Allows higher retirement savings deductions for nonworking spouses in households with one or more children under the age of six. Allows penalty-free distributions from certain retirement plans for: (1) qualified higher education expenses of the taxpayer, spouse, or child; (2) business start-up expenditures; and (3) medical expenses. Limits such distributions to individuals whose adjusted gross income does not exceed: $60,000 in the case of an unmarried individual, $70,000 in the case of a joint return, and $35,000 in the case of married individuals filing separately.

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People & committees

Who introduced it

Rep. Brown, George E., Jr. [D-CA-42] · D–CA

Committees

Ways and Means Committee

15 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Feb 4, 1993
Referred to the House Committee on Ways and Means.
Feb 4, 1993
Sponsor introductory remarks on measure. (CR E305)
Feb 4, 1993
Introduced in House
Feb 4, 1993
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Feb 4, 1993 Formatted Text PDF

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 26, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.822 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.822, 103rd Congress: Middle Class Flexible Savings Act of 1993

Official record: https://www.congress.gov/bill/103rd-congress/house-bill/822

Text version to examine: Introduced in House · 1993-02-04.

Official full text: https://www.congress.gov/103/bills/hr822/BILLS-103hr822ih.htm

Imported record last updated by the source: 2025-08-26T13:48:49Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.822 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.822 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Discuss H.R.822, 103rd Congress: Middle Class Flexible Savings Act of 1993

Official record: https://www.congress.gov/bill/103rd-congress/house-bill/822

Text version to examine: Introduced in House · 1993-02-04.

Official full text: https://www.congress.gov/103/bills/hr822/BILLS-103hr822ih.htm

Imported record last updated by the source: 2025-08-26T13:48:49Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.822 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.822 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.822, 103rd Congress: Middle Class Flexible Savings Act of 1993

Official record: https://www.congress.gov/bill/103rd-congress/house-bill/822

Text version to examine: Introduced in House · 1993-02-04.

Official full text: https://www.congress.gov/103/bills/hr822/BILLS-103hr822ih.htm

Imported record last updated by the source: 2025-08-26T13:48:49Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.822 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.822 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.822, 103rd Congress: Middle Class Flexible Savings Act of 1993

Official record: https://www.congress.gov/bill/103rd-congress/house-bill/822

Text version to examine: Introduced in House · 1993-02-04.

Official full text: https://www.congress.gov/103/bills/hr822/BILLS-103hr822ih.htm

Imported record last updated by the source: 2025-08-26T13:48:49Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.822 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.