HR 1755119th CongressIn Committee

Timely and Accurate Benefits Act

Introduced: Feb 27, 2025

Standard Summary

Comprehensive overview in 1-2 paragraphs

The Timely and Accurate Benefits Act would require all states to implement an "Enhanced Income Verification Platform" within one year to maintain eligibility for federal funding of benefit programs. This platform would use automated technology and real-time data matching to verify applicants' income across multiple sources, including traditional employment, gig work, bank deposits, and other income streams. The system would access applicant-permissioned bank account data to identify unreported or underreported income and flag potential cases of ineligibility or improper benefit payments. The bill aims to improve accuracy in benefit distribution and reduce improper payments across federal benefit programs.

Key Points

1Mandatory Implementation: States must adopt an Enhanced Income Verification Platform within one year or lose federal funding for covered benefit programs
2Comprehensive Income Tracking: The platform must verify "enhanced gross income" from numerous sources including wages, self-employment, gig economy work, Social Security, rental income, gifts, trust distributions, and bank deposit data
3Real-Time Verification: The system uses automated, real-time data matching and analytics to proactively identify unreported income, inconsistent reporting, and potential ineligibility
4Bank Account Access: The platform can access applicant-permissioned bank deposit transaction data to identify income sources not captured by existing tax and payroll data systems
5Broad Program Coverage: Requirements apply to any federal or state/local program using federal funds where eligibility or benefit amounts depend on income

Impact Areas

Benefit Recipients: Individuals and households receiving income-based federal benefits (SNAP, Medicaid, TANF, housing assistance, etc.) would face increased income verification scrutiny and potential benefit reductions if unreported income is discoveredState Governments: States must invest in new technology infrastructure and contract with vendors to implement compliant platforms or face loss of federal benefit program fundingBenefit Program Administration: Agencies administering federal benefit programs would gain enhanced data verification capabilities but must manage implementation costs and potential system integration challengesData Privacy Considerations: Expanded access to bank account data raises questions about consumer privacy protections and data security requirements

Generated by claude-haiku-4-5-20251001 on Nov 18, 2025