II 115th CONGRESS 2d Session S. 3218 IN THE SENATE OF THE UNITED STATES July 17, 2018 Ms. Heitkamp (for herself, Mr. Cotton , Mr. Booker , and Mr. Young ) introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions A BILL To allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies.