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The Secure Act. The Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed by President Donald Trump in December 2019 and became a law as of Jan. 1, 2020. The new legislation brings changes for long-term retirement savings and affects Americans at every age. The SECURE Act changed a variety of retirement account rules, including who is eligible to contribute to retirement accounts and when withdrawals are required. The new legislation also adds a new exception to the early withdrawal penalty. Learn about what the new SECURE Act is and how will it affect your retirement.