HR-6495 — Taxpayer Notification and Privacy Act

YourVoice.Now Summary

Civil Liberties

Before the IRS asks your bank or employer about you, it would have to say exactly what it wants — and give you 45 days.

Civil Liberties

IRS notice before contacting your bank — exact items must be listed

The notice would have to name each piece of information the IRS wants from someone else. This applies only when the IRS has not already asked you for it and you could hand it over yourself.

Time to answer the IRS yourself — 45 days, more on request

The bill gives you at least 45 days to supply the information before the IRS goes to other people. You could get longer if you ask and show a good reason.

Right to a detailed IRS notice — dropped if Treasury calls it necessary

The bill lets the Treasury Secretary set this rule aside. If the department decides it needs the information from someone else, the notice does not have to spell out what it wants.

Guaranteed 45 days to answer the IRS — Treasury may override

Treasury could write its own rules for this window. The bill sets 45 days as the starting point but lets the department provide otherwise.

More about this bill

If the IRS looks into your taxes, it may ask other people about you — your bank, your employer, a client. Today it must warn you first, but it does not have to say what it wants. Under this bill, the notice would have to list each item the IRS plans to ask for. That applies when the IRS has not already asked you and you could supply it yourself. You would get at least 45 days to respond. You could ask for more time with a good reason. There are limits. The Treasury Secretary could skip the detailed list when the department decides it needs the information. The Secretary could also set different rules for the 45-day window. The changes would apply to notices sent more than a year after the bill becomes law.

Congressional Summary

This bill expands the Internal Revenue Service (IRS) notice requirements for contacting a third party (e.g., employer or bank) for information related to a taxpayer’s federal tax liability and the rights of the taxpayer in such situation. (Conditions and exceptions apply.)Currently, the IRS must notify a taxpayer at least 45 days in advance of a time period during which the IRS intends to contact a third party for information related to the taxpayer’s tax liability but is not required to specify what information is being sought.The bill requires the IRS to specify in a notice to a taxpayer each item of information sought from a third party when (1) the IRS has not previously requested such information from the taxpayer, and (2) the taxpayer can reasonably provide such information. This requirement does not apply if the IRS determines such third-party information is necessary.Further, under the bill, a taxpayer is allowed no less than 45 days (or more if requested by the taxpayer and deemed reasonable) to respond before the IRS contacts such third party.

Details

Congress: 119th
Chamber: House
Status: summarized
Action: Received in the Senate and Read twice and referred to the Committee on Finance.
Action Date: 2026-04-28
Date Added: 2026-04-06
Source: Congress.gov →

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