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H.R. 6495119th CongressPassed one chamberLatest action Apr 28, 2026Decoded by AI · checked against the record
Official title: Taxpayer Notification and Privacy Act
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
HR 6495 gives taxpayers 45 days to provide information themselves before the IRS contacts third parties like banks or employers.
60-second read · 4 questions answered below
HR 6495 requires the IRS to specifically tell taxpayers what information it is seeking before contacting outside parties such as banks or employers, but only when that information has not already been requested from the taxpayer and the taxpayer could reasonably provide it themselves. Taxpayers would then have at least 45 days to respond directly before the IRS reaches out to any third party. The rules would take effect one year after the bill becomes law.
The bill affects taxpayers who are under IRS audit or investigation, as well as third parties such as financial institutions and business associates who might otherwise be contacted. It does not apply when the IRS is actively collecting an already-established tax debt or when the IRS Secretary determines that contacting the third party is necessary regardless of what the taxpayer could provide.
Under current law, the IRS must give advance notice before contacting third parties but is not required to specify what information it is requesting, leaving taxpayers with limited ability to respond. This bill would alter that process, giving taxpayers earlier and more detailed notice and a defined window to act before their financial or personal information is sought from outside sources.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it passed the House, and the official record shows nothing new since. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Received in the Senate and Read twice and referred to the Committee on Finance.