The Social Security Administration silently reduced its overpayment withholding rate to 50% of benefit checks by the end of the year, after briefly raising it from 10% to 100% under President Donald Trump. The 100% rate was described by former SSA commissioner Martin O'Malley as "clawback cruelty," according to the Empire Justice Center. Separately, the Social Security Fairness Act, signed by President Joe Biden on January 5, 2025, repealed the Windfall Elimination Provision and Government Pension Offset, restoring full benefits for more than 2.8 million public-sector workers and their spouses. Additionally, the SECURE 2.0 Act of 2022 will push the age for required minimum distributions from retirement accounts to 75 starting in January 2033, up from 73 in 2026.