US Federal 2025-2026 Regular Session

US Federal Senate Bill SB3378

Introduced
12/4/25  

Caption

HUSTLE Act Helping Undergraduate Students Thrive with Long-Term Earnings Act

Impact

One of the critical implications of SB3378 is that any distributions from these NIL investment accounts are subjected to specific tax treatments depending on the timing of the distribution. Distributions made before the athlete graduates or transfers to a non-participating institution are taxed as ordinary income, while later distributions can be taxed at long-term capital gains rates. This change in taxation is designed to encourage long-term financial planning among student-athletes and help secure their financial futures as they transition to professional careers.

Summary

SB3378, known as the HUSTLE Act, seeks to amend the Internal Revenue Code by establishing name, image, and likeness (NIL) investment accounts for student-athletes. The bill is designed to allow student-athletes to have accounts that would be exempt from certain taxes, which would promote the financial well-being of those involved in collegiate sports. Under this legislation, qualified NIL income can be deposited into these accounts without being counted as taxable income at the time of contribution, providing a substantial potential benefit for student-athletes as they prepare for their future careers.

Contention

Concerns surrounding this bill primarily focus on the regulation of athlete agents and how they interact with student-athletes under this new framework. The bill imposes strict registration requirements on athlete agents and caps the fees they can charge, issues which may lead to pushback from the sports agency community. Moreover, there are debates about the adequacy of the educational materials and financial literacy resources that must be provided to the beneficiaries of these accounts, emphasizing the need for robust support systems for young athletes navigating financial decisions.

Companion Bills

No companion bills found.

Previously Filed As

US HB6167

HEALTH Act of 2025 Helping Everyone Access Long Term Healthcare Act of 2025

US SB187

ALIGN Act Accelerate Long-term Investment Growth Now Act

US HB574

ALIGN Act Accelerate Long-term Investment Growth Now Act

US SB202

Helping Small Businesses THRIVE Act Helping Small Businesses To Hedge Risk and Insure against Volatile Expenses Act

US HB5905

Helping Our Heroes Act

US S651

The Hustle Act

US SB2418

HEALING Mothers and Fathers Act Helping with Equal Access to Leave and Investing in Needs for Grieving Mothers and Fathers Act

US HB5397

HEALING Mothers and Fathers Act Helping with Equal Access to Leave and Investing in Needs for Grieving Mothers and Fathers Act

US S3354

Expands Tuition Aid Grant program to part-time undergraduates.

US SB1891

PILLS Act Producing Incentives for Long-term production of Lifesaving Supply of medicine Act

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