James Lankford actually said...

"But you have to also get access to those dollars so that people do not pay a 10-percent tax penalty if they have to get to it."

"I want to incentivize more people to be able to save for retirement, but I also want to reduce the penalty that people pay if they have to pull that out."

"I have worked extensively on trying to be able to get access to retirement money for an emergency fund without a tax penalty in the process."

"we are not just sharing information, but we are also not exporting information to other folks like China, that want to be able to steal that information."