Gold IRA Regulatory and Tax Updates
This page logs changes and announcements that matter to Gold IRA owners, newest first, each linked to the agency that issued it. The latest IRA contribution limit we could confirm is $7,500 for 2026, with a $1,100 catch-up for people 50 and older. Enforcement releases are listed on a separate page.
This page is a short, dated log for people who own or are thinking about a Gold or Silver IRA. It lists announcements from the agencies that make or enforce the rules. It does not predict what an agency will do next, and it is not tax or legal advice. For the background guides, start at our Gold IRA guide. For how we handle sources, see about this site.
What has changed recently?
| Date | Agency | What was announced | Source |
|---|---|---|---|
| Oct. 22, 2026 | Treasury and IRS | Two revenue procedures: one sets up a new correction program for IRAs (effective May 1, 2027), one updates the employee plan correction system. See the section below | IRS IR-2026-126 |
| Sept. 30, 2026 | CFTC | A court order in a case involving digital assets and precious metals; details are in our enforcement log | CFTC release 9305-26 |
| Nov. 13, 2025 | IRS | 2026 IRA contribution limit raised to $7,500 (from $7,000 for 2025); the age-50-and-older catch-up raised to $1,100 (from $1,000) | IRS IR-2025-111 |
Older items are not repeated here. Earlier enforcement actions are in the enforcement actions database.
What are the current IRA contribution limits?
The IRS said on Nov. 13, 2025 that the IRA contribution limit rises to $7,500 for 2026. The catch-up amount for people age 50 and older rises to $1,100. The IRS's formal notice, Notice 2025-67, states both numbers: the section 219(b)(5)(A) limit "is increased from $7,000 to $7,500," and the section 219(b)(5)(B)(ii) catch-up "is increased from $1,000 to $1,100."
| Tax year | IRA contribution limit | IRA catch-up (age 50 and older) |
|---|---|---|
| 2026 | $7,500 | $1,100 |
| 2025 | $7,000 | $1,000 |
| 2024 | $7,000 | $1,000 |
| 2023 | $6,500 | $1,000 |
These figures come from the IRS's cost-of-living adjustments page. The same announcement also changed the income ranges that decide who can deduct a traditional IRA contribution or contribute to a Roth IRA. Those ranges depend on your filing status and whether you are covered by a workplace plan, so please read the IRS announcement itself or ask a tax professional. Our guide on IRA contribution limits explains how the limit applies to a Gold IRA.
What are the 2026 income ranges for Roth and traditional IRAs?
The same IRS announcement lists the income ranges that limit who can contribute to a Roth IRA or deduct a traditional IRA contribution. Notice 2025-67 states the same ranges for the filing statuses it names. The IRS release says the deduction ranges apply to people covered by a workplace plan and do not apply if neither spouse is covered.
| Rule | Filing status | 2026 range | 2025 range |
|---|---|---|---|
| Roth IRA contribution phase-out | Single or head of household | $153,000 to $168,000 | $150,000 to $165,000 |
| Roth IRA contribution phase-out | Married filing jointly | $242,000 to $252,000 | $236,000 to $246,000 |
| Traditional IRA deduction phase-out (covered by a workplace plan) | Single (Notice 2025-67 says single or head of household) | $81,000 to $91,000 | $79,000 to $89,000 |
| Traditional IRA deduction phase-out (covered by a workplace plan) | Married filing jointly, contributing spouse covered | $129,000 to $149,000 | $126,000 to $146,000 |
| Traditional IRA deduction phase-out (not covered, spouse covered) | Married filing jointly | $242,000 to $252,000 | $236,000 to $246,000 |
For married people filing separately, the IRS release says the range is not adjusted for inflation and stays at $0 to $10,000. Whether a range applies to you depends on details this table leaves out, so please read the IRS announcement or ask a tax professional. These ranges apply to money contributed to an IRA. A Gold or Silver IRA is an IRA that holds approved metals, so the same contribution rules apply. See contribution limits.
What are the 2026 limits for workplace plans?
People often roll money from a workplace plan into a Gold IRA, so the limits for those plans are shown here for reference. These are the IRS's 2026 figures for 401(k), 403(b), governmental 457 and Thrift Savings Plan accounts.
| Item | 2026 | 2025 |
|---|---|---|
| Employee contribution limit | $24,500 | $23,500 |
| Catch-up, age 50 and older | $8,000 | $7,500 |
| Catch-up, ages 60 to 63 | $11,250 | $11,250 |
The IRS release says the ages 60-63 amount is unchanged at $11,250. It also lists Saver's Credit income limits for 2026 of $80,500 (married filing jointly), $60,375 (head of household) and $40,250 (single and married filing separately). Our guide to rollovers covers moving money from a workplace plan.
Have the 2027 limits been announced?
Not on the IRS pages we opened. On Oct. 24, 2026, the IRS Employee Plans news page listed Notice 2025-67 (under Nov. 14, 2025) as its only item on retirement plan dollar limits, and it showed no item on 2027 limits or cost-of-living adjustments. The last announcement came on Nov. 13 of the previous year. Figures you may see elsewhere for 2027 are not official until the IRS publishes them. We will add the 2027 figures here after the IRS publishes them and we have read the IRS page.
What is the IRS's new correction program for IRAs?
On Oct. 22, 2026, Treasury and the IRS announced two revenue procedures (IRS release IR-2026-126). Revenue Procedure 2026-33 sets up the IRA Compliance Resolution System, called ICRS, which the IRS describes as a correction program for IRAs modeled on the one for employer plans. Revenue Procedure 2026-34 updates the employer plan correction system.
| Question | What the IRS release says |
|---|---|
| Who can use ICRS? | IRA custodians and IRA owners |
| What can it correct? | Requests to correct certain eligible inadvertent failures that result from service-provider errors. We did not see specific failures listed in the release. |
| When does it start? | The ICRS revenue procedure is effective May 1, 2027 |
| What about the 60-day rollover rule? | Waiver requests are now made as private letter ruling requests. The release says these requests will move to ICRS over the course of 2027 and 2028. |
| Are the older waiver options ending? | The release says the automatic waiver and self-certification procedures remain available at no cost under Revenue Procedures 2020-46, 2016-47 and 2003-16. |
We have not read the revenue procedures themselves, only the IRS release, so we do not describe which errors qualify or what the process costs. Our guide to the 60-day rollover rule explains the rule itself. The IRS invites comments on both programs.
Where are enforcement actions listed?
The Precious Metals Enforcement Action Log lists recent regulator releases, each linked to the agency's own page, with allegations kept separate from orders and judgments. The enforcement actions database is the longer reference table.
What does this page not cover?
- Legislation and court decisions. We have not added any item for them in this log. A rule we describe in a guide may still have changed; each guide shows when its facts were last checked.
- Other IRS items. The IRS Employee Plans news page lists many items for employers and plan sponsors. We did not find an item there about Gold IRAs or precious metals specifically.
- Company news. This page logs agency announcements only. Company announcements are on the company's own pages and are treated as the company's claims in our reviews.
How often is this page updated?
Under our update policy, contribution limits are reviewed every year when the IRS announces new figures, usually in the fall, and enforcement information is reviewed every three months and whenever regulators announce new actions. The "Updated" date at the top changes only when the content changes. Please report mistakes through our corrections page.
Guides in this section
Sources
- 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (IR-2025-111), Internal Revenue Service. Accessed Invalid Date.
- Notice 2025-67: 2026 Amounts Relating to Retirement Plans and IRAs, as Adjusted for Changes in Cost-of-Living, Internal Revenue Service. Accessed Invalid Date.
- COLA increases for dollar limitations on benefits and contributions, Internal Revenue Service. Accessed Invalid Date.
- Employee Plans news, Internal Revenue Service. Accessed Invalid Date.
- Treasury, IRS update retirement plan correction program and establish correction program for individual retirement accounts (IR-2026-126), Internal Revenue Service. Accessed Invalid Date.
- CFTC Secures Court Order Directing Louisiana Man and Arkansas Woman to Pay Over $31 Million for Digital Assets, Precious Metals Fraud (Release 9305-26), Commodity Futures Trading Commission. Accessed Invalid Date.
This guide is general education, not personalized financial, tax or legal advice. See our financial disclaimer, editorial policy and advertising disclosure.