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Indiana Enacts HB 1042, Adding Self-Directed Crypto Options to Public Retirement Plans

Public employees get optional access through brokerage windows by July 1, 2027 under plan-level rules with state financial oversight.

Overview

  • Governor Mike Braun signed HB 1042 into law, authorizing cryptocurrency exposure in designated public retirement and savings plans through self-directed accounts.
  • The law requires plan administrators to offer brokerage windows that include at least one crypto-linked investment option by July 1, 2027.
  • HB 1042 defines cryptocurrency in state statute and prohibits discriminatory taxes or restrictions targeting digital asset transactions.
  • The measure protects residents’ right to self-custody digital assets while leaving oversight with existing regulators, including the Department of Financial Institutions.
  • Participation is voluntary and does not require pension funds to buy or hold crypto, allowing access through approved vehicles such as regulated bitcoin ETFs.