Increasing Opportunities for Retail Investors Act
Official title: A bill to permit the Securities and Exchange Commission to increase regulatory exemption thresholds, and for other purposes.
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Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Increasing Opportunities for Retail Investors Act
This bill expands the exemptions from registration requirements applicable to companies offering or selling securities. In general, the Securities and Exchange Commission (SEC) prohibits the offering or selling of securities unless the offering is registered with the SEC or it qualifies for an exemption.
Specifically, the bill increases the annual offering limit applicable to the crowdfunding exemption from $1 million to $5 million. The bill also allows the SEC to increase through rulemaking the dollar threshold or limit applicable to other types of offerings, including offerings for small- and medium-sized companies.
Additionally, the bill increases the offering limit applicable to small securities offerings and provides for adjustments to this limit in line with inflation.
- Introduced in Senate Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). S. 3916: Increasing Opportunities for Retail Investors Act. 117th Congress. Open America. https://openamerica.io/bill/117-S-3916/
"S. 3916: Increasing Opportunities for Retail Investors Act." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-S-3916/.
S. 3916, 117th Cong. (2026), https://openamerica.io/bill/117-S-3916/.
[S. 3916: Increasing Opportunities for Retail Investors Act](https://openamerica.io/bill/117-S-3916/)