Title V Overview: Labor & Workforce

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Financial Literacy Project

3 min read • Updated June 2026

Title V addresses the structural mismatch between the skills the economy demands and the skills the workforce currently holds. Rather than prescribing specific training programs, it overhauls the federal funding architecture for workforce development to be outcome-based and portable.

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Portable Skills Accounts

The headline innovation in Title V is the Individual Skills Account (ISA) — a federally funded, portable education and training benefit. Workers receive a $4,000 baseline account, with additional contributions for workers in declining industries.

Core Takeaway

ISAs become available January 1, 2027. Workers in industries with high automation exposure — manufacturing, transportation, administrative support — receive a $2,000 supplemental credit on top of the baseline.