General Accounts Product Clarifications Act

Referred to the House Committee on Education and Labor.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Dec 13, 2022

General Accounts Product Clarifications Act

This bill specifies requirements for the application of the Employee Retirement Income Security Act of 1974 (ERISA) to general account policies that receive contributions from employee benefit plans. A general account policy is an insurance policy or contract to the extent that the policy or contract allocates amounts to the insurer's general account, including any surplus in a separate account but excluding any other portion of a separate account.

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People & committees

Who introduced it

Rep. Morelle, Joseph D. [D-NY-25] · D–NY

Committees

Education and Workforce Committee

0 cosponsorship records, including any withdrawals

Legislative record

Actions

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Dec 13, 2022
Referred to the House Committee on Education and Labor.
Dec 13, 2022
Introduced in House
Dec 13, 2022
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 · Dec 13, 2022 Formatted Text PDF Formatted XML

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: Jul 21, 2025. Consult Congress.gov for the current record.

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Objective

Analyze H.R.9515 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.9515, 117th Congress: General Accounts Product Clarifications Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/9515

Text version to examine: Introduced in House · 2022-12-13.

Official full text: https://www.congress.gov/117/bills/hr9515/BILLS-117hr9515ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. 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.9515 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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Progressive lens

Examine H.R.9515 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.9515, 117th Congress: General Accounts Product Clarifications Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/9515

Text version to examine: Introduced in House · 2022-12-13.

Official full text: https://www.congress.gov/117/bills/hr9515/BILLS-117hr9515ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. 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.9515 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.9515 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.

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Discuss H.R.9515, 117th Congress: General Accounts Product Clarifications Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/9515

Text version to examine: Introduced in House · 2022-12-13.

Official full text: https://www.congress.gov/117/bills/hr9515/BILLS-117hr9515ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. 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.9515 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

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Examine H.R.9515 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.9515, 117th Congress: General Accounts Product Clarifications Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/9515

Text version to examine: Introduced in House · 2022-12-13.

Official full text: https://www.congress.gov/117/bills/hr9515/BILLS-117hr9515ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. 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.9515 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.