Don’t Let New Laws Stifle Your Giving: Take Action Today
The bill could displace giving that would otherwise go to nonprofits.
Proposed legislation—specifically the IRA Charitable Rollover Facilitation and Enhancement Act, HR 2891—misleads older donors and encourages them to roll IRA funds into donor-advised funds, where wealth will be hoarded and isolated, instead of to nonprofits, where the donation will be immediately deployed in the community.
At the end of every year, donors aged 70.5 and older typically begin receiving mailers about rolling over their “required minimum distribution” from their IRA to a charitable organization, rather than receiving it as taxable income. Many nonprofits use this unique tax benefit as part of their end-of-year giving strategy with great success. In 2025, this special group of donors could give up to $108,000 through their IRA and avoid extraneous taxes.
Best of all, private foundations and donor-advised funds have been ineligible to receive these funds, meaning that 100% of the charitable benefits have flowed into local communities through nonprofits with no middleman or administrative headache.
The IRA Charitable Rollover Facilitation and Enhancement Act changes that. If passed, the law would allow for these gifts to be made to donor-advised funds, which would further the DAF crisis already choking critical donations from nonprofits. For more in-depth information on why we must protect charitable giving, you can read the full breakdown at the Philanthropy Project.
At Write On Fundraising, we believe that DAFs are here to stay and represent a halfway step to generosity. However, the $300B given by donors is no longer theirs: it is a public trust held by DAF sponsoring organizations. We need your help to protect the future of philanthropic equity.
How You Can Help
Congress needs to hear from the people who actually do the giving. We ask that you contact your representatives and urge them to oppose HR 2891.
1. Find Your Representative
Not sure who represents you? Use this tool to find your members of Congress by entering your zip code. Find your representative here.
2. Send a Message
You can use the template below for an email or a phone call. Feel free to personalize it with your own experience.
Subject: Please Oppose HR 2891 – Don’t Expand DAFs Without Payout Requirements
Dear [Representative/Senator Name],
As a constituent and a supporter of local charitable causes, I am writing to urge you to oppose the IRA Charitable Rollover Facilitation and Enhancement Act, HR 2891. While I support the goal of getting resources to charities, this bill imposes restrictive mandates that will make it harder for donors like me to give effectively.
This new legislation misleads donors and encourages them to roll IRA funds into donor-advised funds, where wealth will be hoarded and isolated, rather than to nonprofits, where donations will be deployed immediately in the community. Vote NO on HR 2891.
Sincerely,
[Your Name]
[Your Address]
Why This Matters
Every dollar in a DAF is already permanently committed to charity. Adding "payout clocks" and complex tax categories only creates more paperwork and less impact.
Join us in standing up for a free and flexible philanthropic sector. Contact your representative today.
