[Federal Register Volume 90, Number 149 (Wednesday, August 6, 2025)]
[Proposed Rules]
[Pages 37824-37829]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2025-14883]


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DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Part 1

[REG-132805-17]
RIN 1545-BP09


Determination of Line of Business for Purposes of No-Additional-
Cost Service and Qualified Employee Discount Fringe Benefits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Notice of proposed rulemaking.

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SUMMARY: This document contains proposed regulations that would provide 
guidance regarding an employer's line or lines of business for purposes 
of determining the exclusion from gross income for no-additional-cost 
services or qualified employee discounts provided to employees.

DATES: Written or electronic comments and requests for a public hearing 
must be received by November 4, 2025.

ADDRESSES: Commenters are strongly encouraged to submit public comments 
electronically via Federal eRulemaking Portal at https://www.regulations.gov (indicate IRS and REG-132805-17) by following the 
online instructions for submitting comments. Requests for a public 
hearing must be submitted as prescribed in the ``Comments and Requests 
for a Public Hearing'' section. Once submitted to the Federal 
eRulemaking Portal, comments cannot be edited or withdrawn. The 
Department of the Treasury (Treasury Department) and the IRS will 
publish for public availability any comments submitted to the IRS's 
public docket. Send paper submissions to: CC:PA:01:PR (REG-132805-17), 
Room 5203, Internal Revenue Service, P.O. Box 7604, Ben Franklin 
Station, Washington, DC 20044.

FOR FURTHER INFORMATION CONTACT: Concerning the proposed regulations, 
Andrew Holubeck at (202) 317-4774; concerning submissions of comments 
and/or requests for a public hearing, Publications and Regulations 
Section at (202) 317-6901 (not toll-free numbers) or by email to 
[email protected] (preferred).

SUPPLEMENTARY INFORMATION:

Authority

    This notice of proposed rulemaking contains proposed regulations 
that would amend the Income Tax Regulations (26 CFR part 1) under 
section 132(a) of the Internal Revenue Code (Code) related to no-
additional-cost services and qualified employee discounts. The proposed 
regulations are issued under the authority conferred by Section 132(o), 
which provides the Secretary or his delegate (Secretary) with an 
express grant of regulatory authority to prescribe such regulations as 
may be necessary or appropriate to carry out the purposes of section 
132. The proposed regulations are also issued under the authority of 
section 7805(a) of the Code, which authorizes the Secretary to 
prescribe all needful rules and regulations for the enforcement of the 
Code.
    These proposed regulations would replace a business classification 
system that has not been updated since 1974 with a much more current 
classification system that is updated every five years. Under these 
proposed regulations, the application of the no-additional-cost benefit 
and employee discount exclusions from employee income under section 
132(a)(1) and (2) would be determined under a classification system 
that more accurately reflects current economic activity than the system 
used under the existing regulations, thereby reducing burden in 
applying the exclusions from income under section 132(a)(1) and (2).

Background

    Section 132(a)(1) and (2) exclude from the gross income of an 
individual any fringe benefit that qualifies as a no-additional-cost 
service or a qualified employee discount, respectively. Section 132(b) 
defines the term ``no-additional-cost service,'' in part, as any 
service provided by an employer to an employee for use by such employee 
if such service is offered for sale to customers in the ordinary course 
of the line of business of the employer in which the employee is 
performing services. Section 132(c)(1) defines the term ``qualified 
employee discount,'' in part, as any employee discount with respect to 
qualified property or services. Section 132(c)(4) defines the term 
``qualified property or services'' as any property (other than real 
property and other than personal property of a kind held for 
investment) or services that are

[[Page 37825]]

offered for sale to customers in the ordinary course of the line of 
business of the employer in which the employee is performing services.
    Section 1.132-4(a)(1) provides that, for purposes of determining 
whether the exclusion under section 132(a)(1) or (2) applies, an 
individual to whom or on behalf of whom the fringe benefit is provided 
must have performed substantial services in the employer's line of 
business that offers such services or property for sale to customers in 
the ordinary course of business.
    Section 1.132-4(a)(2)(i) states that an employer's line of business 
is determined by reference to the Enterprise Standard Industrial 
Classification Manual (ESIC Manual) prepared by the Statistical Policy 
Division of the U.S. Office of Management and Budget (OMB) and further 
provides that an employer is considered to have more than one line of 
business if the employer offers for sale to customers property or 
services in more than one two-digit code classification referred to in 
the ESIC Manual. Section 1.132-4(a)(2)(ii) lists as examples of two-
digit classifications under the ESIC Manual general retail merchandise 
stores; hotels and other lodging places; auto repair, services, and 
garages; and food stores.
    Section 1.132-4(a)(3) provides that, if pursuant to Sec.  1.132-
4(a)(2), an employer has more than a single line of business, such 
lines of business will be treated as a single line of business where 
and to the extent that one or more of the following aggregation rules 
apply:
    (i) If it is uncommon in the industry of the employer for any of 
the separate lines of business of the employer to be operated without 
the others, the separate lines of business are treated as one line of 
business.
    (ii) If it is common for a substantial number of employees (other 
than those employees who work at the headquarters or main office of the 
employer) to perform substantial services for more than one line of 
business of the employer, so that determination of which employees 
perform substantial services for which line of business would be 
difficult, then the separate lines of business of the employer in which 
such employees perform substantial services are treated as one line of 
business.
    (iii) If the retail operations of an employer that are located on 
the same premises are in separate lines of business but would be 
considered to be within one line of business under Sec.  1.132-4(a)(2) 
if the merchandise offered for sale in such lines of business were 
offered for sale at a department store, then the operations are treated 
as one line of business.
    Section 132 (including section 132(a)(1) and (2)), was added to the 
Code as part of the Deficit Reduction Act of 1984, Public Law 98-369, 
98 Stat. 494. Concerning the line of business limitation that applies 
to the no-additional-cost service and qualified employee discount 
exclusions in section 132(a), the House Report on this legislation 
noted that ``[i]n providing guidance as to the treatment of an employer 
as consisting of separate lines of business for this purpose, Treasury 
regulations . . . may refer to the Standard Industrial Classifications 
used for other governmental purposes.'' H. Rept. 98-432, 1594, 1984 
U.S.C.C.A.N. 697, 1218.
    First used in 1938, the Standard Industrial Classification (SIC) is 
an industry classification system developed by OMB for use in the 
classification of establishments by type of activity in which the 
establishments are primarily engaged. See North American Industry 
Classification System (NAICS), United States, 2022, published by OMB, 
Executive Office of the President (hereinafter referred to as the 
``NAICS Manual''), pg. 13.\1\ For purposes of the SIC, an establishment 
is an economic unit, generally at a single physical location, where 
business is conducted or where services or industrial operations are 
performed (such as a factory, mill, store, hotel, movie theater, mine, 
farm, ranch, bank, railroad depot, airline terminal, sales office, 
warehouse, or central administrative office). See Standard Industrial 
Classification Manual, 1987, published by OMB, Executive Office of the 
President (hereinafter referred to as the ``SIC Manual''), 
Introduction, pg. 12.\2\ The SIC is a hierarchical classification 
system that includes a two-digit major group, a three-digit industry 
group, or a four-digit industry code (the most specific 
classification). Id. Examples of four-digit industry code SIC 
classifications include metal mining, general building contractors--
non-residential buildings, and knitting mills.
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    \1\ To access the 2022 NAICS Manual and other NAICS information, 
visit the U.S. Census website at https://www.census.gov/NAICS.
    \2\ To access the 1987 SIC Manual and other SIC information, 
visit the Library of Congress website at https://guides.loc.gov/industry-research/classification-sic.
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    The ESIC Manual was developed by the Statistical Policy Division of 
OMB to supplement the SIC by providing a standard for use with 
statistics about enterprises (rather than ``establishments,'' the 
applicable unit for SIC) by kind of economic activity. See Announcement 
86-6 (1986-4 IRB 52). For this purpose, the term ``enterprise'' 
consists of all establishments under common direct or indirect 
ownership. An enterprise, for this purpose, is generally defined to 
include all entities, including subsidiaries, if there is more than 50 
percent common ownership. An enterprise may vary in composition ranging 
from a single legal entity (e.g., corporation, partnership, individual 
proprietorship) to a complex family of legal entities under common 
ownership. Id. Just like the SIC, the ESIC Manual uses a four-digit 
code for detailed classification (with a decimal between the second and 
third digits to visually distinguish an ESIC Manual classification from 
a SIC classification). Id. ``The first two digits of the code represent 
the Major Group, similar to that for the establishment SIC,'' while 
``the third and fourth digits represent the enterprise subdivision.'' 
ESIC Manual codes are similar, and sometimes identical to, SIC codes, 
but they aren't necessarily defined in the same way. The last update of 
the ESIC Manual was in 1974.
    In response to the House Report suggestion that the SIC could be 
used as a reference for determining line of business, Treasury and the 
IRS elected to use the ESIC Manual, a supplement to the SIC as 
described above, as a basis for defining line of business for purposes 
of section 132(a)(1) and (2) when they issued final regulations under 
section 132 in the Federal Register in 1989 (54 FR 28576). In the early 
1990s, ``[r]apid changes in both the U.S. and world economies brought 
the SIC under increasing criticism.'' See NAICS Manual, Introduction, 
pg. 13. In 1992, the OMB began work on developing a new classification 
system to address these criticisms and coordinated this work with 
Mexico and Canada. Id. The product of these efforts was the NAICS, 
which would take the place of the existing classification systems in 
the United States, Canada, and Mexico. Id. The United States 
implemented NAICS for the first time in 1997. Since then, the NAICS has 
represented a continuing cooperative effort among Statistics Canada, 
Mexico's Instituto Nacional de Estad[iacute]stica y Geograf[iacute]a 
(INEGI), and the Economic Classification Policy Committee (ECPC) of the 
United States, acting on behalf of OMB. See NAICS Manual, Preface, pg. 
3. Since its inception, the countries have collaborated in revising the 
NAICS every five years in order to keep the classification system 
current with

[[Page 37826]]

changes in economic activities. See 2022 NAICS Manual, Preface, pg. 3.
    The NAICS is primarily a classification system for establishments, 
defined for this purpose as the ``smallest operating entity for which 
records provide information on the cost of resources--materials, labor, 
and capital--employed to produce the units of output.'' See NAICS 
Manual, Introduction, pg. 18. Similar to the SIC, an establishment for 
purposes of NAICS is typically ``a single physical location where 
business is conducted or where services or industrial operations are 
performed (for example, a factory, mill, store, hotel, movie theater, 
mine, farm, airline terminal, sales office, warehouse, or central 
administrative office).'' Id.
    The structure of the NAICS is hierarchical. It classifies 
establishments into similar industries using a six-digit coding system. 
Id. The first two digits of the code designate the sector of an 
establishment, which represents general categories of economic activity 
(e.g., under the 2022 classification, sector codes 44 and 45 designate 
``Retail Trade''). Id. at pg. 17. The third digit designates the 
subsector (e.g., 449 designates the ``Furniture, Home Furnishings, 
Electronics, and Appliance Retailers'' subsector of ``Retail Trade''); 
the fourth digit designates the industry group (e.g., 4491 designates 
the ``Furniture and Home Furnishings Retailers'' industry group in the 
``Furniture, Home Furnishings, Electronics, and Appliance Retailers'' 
subsector); and the fifth digit designates the NAICS industry (e.g., 
44912 designates the ``Home Furnishings Retailers'' industry of the 
``Furniture and Home Furnishings Retailers'' industry group). Id. at 
pg. 18.
    Any particular establishment is usually classified down to the 
NAICS five-digit industry level classification, using the 
classification of the industry that best matches its primary activity. 
Id. at pg. 19. When applicable, the sixth digit is used to designate 
the national industry (e.g., 449122 designates the ``Window Treatment 
Retailers'' industry). Id. at pg. 18. ``Typically the level at which 
comparable data will be available for Canada, Mexico, and the United 
States is the five-digit NAICS industry,'' but where additional detail 
or clarifying classification is needed for a specific nation (Canada, 
Mexico, or the United States) the national industry classification can 
be used. Id. A zero as the sixth digit generally indicates that the 
NAICS industry and the U.S. industry are the same. Id.
    Table I below provides a breakdown of the NAICS classification for 
a window treatment retail establishment.

        Table I--NAICS Classification of Window Treatment Stores
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   Hierarchical classification            Description            Code
------------------------------------------------------------------------
Sector...........................  Retail Trade............           44
Subsector........................  Furniture, Home                   449
                                    Furnishings,
                                    Electronics, and
                                    Appliance Retailers.
Industry Group...................  Furniture and Home               4491
                                    Furnishings Retailers.
NAICS Industry...................  Furniture and Home              44912
                                    Furnishings Retailers.
National Industry................  Window Treatment               449122
                                    Retailers.
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    The NAICS is used by the IRS for various purposes under the Code. 
See, e.g., Instructions for Form 1120, U.S. Corporation Income Tax 
Return (which asks that a ``principal business activity code'' based on 
the NAICS six-digit code be entered on line 2a on Schedule K of Form 
1120); Instructions for Schedule C (Form 1040), Profit or Loss From 
Business (which requires that a six-digit Principal Business or 
Professional Activity Code based on the NAICS be entered on Line B); 
and section 15.10 of Rev. Proc. 2025-23 (2025 IRB 1476) (which uses the 
first three digits of NAICS codes in defining which taxpayers qualify 
as ``specified transportation industry taxpayers'' for purposes of 
accounting method change rules that apply specifically to specified 
transportation industry taxpayers).

Explanation of Provisions

    These proposed regulations would replace the ESIC Manual with the 
NAICS as the industry classification system used to determine an 
employer's line of business for purposes of excluding no-additional-
cost services and qualified employee discounts from employees' gross 
income pursuant to section 132(a)(1) and (2) of the Code, respectively. 
The ESIC Manual has not been updated since 1974. Conversely, the NAICS 
was most recently updated in 2022, and is the most current 
classification system in the United States, making it a more accurate 
and detailed reflection of present economic realities.
    In addition, because significant changes and advances in technology 
have occurred since 1974, many current industries are not accounted for 
in the ESIC Manual because they did not exist at the time it was last 
updated. Examples include internet service providers, cell phone 
manufacturers, cell phone service providers, and smart phone 
application designers. The NAICS, on the other hand, is updated 
regularly to take into account new and developing industries. For 
instance, the 2022 NAICS specifically describes broadband internet 
service providers as falling under the four-digit category of Wired and 
Wireless Telecommunications (except Satellite) (5171). Under the ESIC 
Manual, this line of business could be considered under the two-digit 
code ``Communication'' (48), but none of the sub-categories in the 
Communication category include the broadband internet service provider 
industry, making determination of the appropriate ESIC Manual category 
for broadband internet service providers unclear. Replacing the ESIC 
Manual with the NAICS as the industry classification system used to 
determine an employer's line of business will make determining the line 
of business for new and constantly evolving industries easier and more 
certain.
    While the numeric NAICS and SIC codes are not related to each 
other, their organizational structures have some similarities.\3\ SIC 
codes (as well as ESIC Manual codes) are grouped into ``divisions'' 
that are labeled with a letter (e.g., Division A is ``Agriculture, 
Forestry, and Fishing'').\4\ This roughly corresponds with the NAICS 
two-digit ``Sector'' level of classification (e.g., the NAICS Sector 11 
is Agriculture, Forestry, Fishing and Hunting'').\5\ Continuing down 
the classification levels of both systems, the SIC two-digit ``Major 
Group'' level roughly corresponds to the NAICS three-digit 
``Subsector'' level, the SIC three-digit ``Industry Group'' level 
roughly corresponds to the NAICS four-digit

[[Page 37827]]

``Industry Group'' level, and the four-digit SIC ``Industry'' level 
roughly corresponds with the NAICS five-digit ``NAICS Industry'' 
level.\6\
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    \3\ U.S. Bureau of Labor Statistics website titled ``Industrial 
Classification Overview'' accessed at https://www.bls.gov/ces/naics/#2 on March 20, 2024.
    \4\ Id.
    \5\ Id.
    \6\ Id.
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    Because the ESIC Manual is structured very similarly to the SIC 
codes, the comparison between ESIC Manual codes and NAICS codes largely 
parallels the comparison between SIC Codes and NAICS codes. Therefore, 
the NAICS three-digit ``Subsector'' level would roughly correspond with 
the ESIC Manual two-digit ``Major Group'' level used to determine line 
of business under the current Sec.  1.132-4(a)(2)(i) regulations. 
However, the five-digit NAICS industry classification is intended to be 
applied to the primary activity of a single-location establishment, 
making it a more appropriate level for determining the line of business 
of an employer for whom the employee receiving the fringe benefit is 
performing services, since an employee typically performs services at a 
single location or establishment. Nevertheless, to account for the fact 
that some establishments may represent more than one NAICS industry, 
making determination of the most accurate NAICS industry classification 
challenging in certain situations, these proposed regulations would use 
the NAICS four-digit ``Industry Group'' classification in determining 
an employer's line of business for purposes of section 132(a)(1) and 
(2).
    An employer is considered to have more than one line of business if 
the employer offers for sale to customers property or services in more 
than one four-digit NAICS industry group classification, according to 
the most recent version of the NAICS available on the first day of the 
taxable year in which the no-additional-cost service or qualified 
employee discount exclusion is being applied. Examples of four-digit 
NAICS industry groups are: General Merchandise Stores, including 
Warehouse Clubs and Supercenters; Traveler Accommodation; Automotive 
Repair and Maintenance; and Grocery Stores.
    In situations where an employer has multiple primary activities 
corresponding to multiple four-digit NAICS industry group 
classifications causing it to have more than one line of business, the 
aggregation rules under Sec.  1.132-4(a)(3) continue to apply under 
these proposed regulations. Minor modifications to the text of the 
aggregation rules under Sec.  1.132-4(a)(3)(i) and (ii) have been 
proposed to accommodate the change from the ESIC Manual to the NAICS.
    In addition, the proposed regulations would amend the aggregation 
rule under Sec.  1.132-4(a)(3)(iii). Currently, this section provides 
that if the retail operations of an employer that are located on the 
same premises are in separate lines of business but would be considered 
to be within one line of business if the merchandise offered for sale 
in such lines of business were offered for sale at a department store, 
then the operations are treated as one line of business. The proposed 
regulations would amend this rule to replace ``department store'' with 
``general merchandise store, including warehouse clubs and super 
centers.'' This update of the regulations reflects the pervasiveness of 
big-box stores, hypermarkets, super centers, and warehouse clubs in the 
current retail economy, especially in comparison to the traditional 
department store. These types of establishments sell an ever-increasing 
variety of merchandise but are still classified under one NAICS 
industry group (4552, Warehouse Clubs, Supercenters, and Other General 
Merchandise Retailers, under the 2022 NAICS). Therefore, under the 
proposed regulations, employees working for these types of employers 
would be considered to be working in one line of business. The proposed 
amendment to this section provides equal treatment for employees 
working for other types of employers that similarly sell a variety of 
kinds of merchandise on their business premises, but the variety is 
more narrowly tailored to cater to a specific segment of the retail 
market (e.g., a store that primarily sells coffee and tea, but that 
also sells electric coffeemakers, electric tea kettles, and similar 
related small home appliances). Under the proposed amendment, employees 
working for such employers would still be considered to be working in 
one line of business, even if the sale of the various merchandise sold 
by the employer is classified under two or more NAICS industry groups 
(e.g., specialty food retailers and electronics and appliance 
retailers), as long as the sale of the merchandise would be considered 
to be one line of business if the merchandise was being sold at a 
general merchandise store, warehouse club, or super center.
    Finally, the proposed regulations provide updated examples of the 
application of the aggregation rules reflecting the use of NAICS 
classifications.
    The Treasury Department and the IRS request comments on all aspects 
of the proposed rules, including on the use of the NAICS four-digit 
industry group code, whether additional changes are necessary to the 
aggregation rules under Sec.  1.132-4(a)(3), whether the proposed 
applicability date could pose any challenges, and whether transition or 
other rules are necessary to accommodate the change in the standard for 
determining lines of business.

Proposed Effective/Applicability Dates

    These regulations are proposed to be effective on the date these 
rules are published in the Federal Register as final regulations and 
would apply to taxable years beginning on or after that date.

Statement of Availability of IRS Documents

    IRS guidance cited in this preamble is published in the Internal 
Revenue Bulletin and is available from the Superintendent of Documents, 
U.S. Government Publishing Office, Washington, DC 20402, or by visiting 
the IRS website at https://www.irs.gov.

Special Analyses

I. Regulatory Planning and Review--Economic Analysis

    The Office of Management and Budget's Office of Information and 
Regulatory Analysis has determined that these regulations are not 
significant and not subject to review under section 6(b) of Executive 
Order 12866, as amended.

II. Paperwork Reduction Act

    These proposed regulations do not create new collection 
requirements, as defined under the Paperwork Reduction Act (44 U.S.C. 
35), and do not alter any previously approved OMB information 
collection requirements and their associated burden.

III. Regulatory Flexibility Act

    It is hereby certified that these proposed regulations will not 
have a significant economic impact on a substantial number of small 
entities pursuant to the Regulatory Flexibility Act (5 U.S.C. chapter 
6). This certification is based on the fact that these proposed 
regulations do not impose any new requirements on small entities. The 
proposed regulations would apply only to employers that provide no-
additional-cost services and/or qualified employee discount fringe 
benefits to their employees and, therefore, would affect a relatively 
small number of taxpayers. In addition, these proposed regulations are 
very unlikely to affect employment tax reporting or require any 
additional substantiation. Rather, the proposed regulations affect the 
industry classification system used to determine an employer's line of

[[Page 37828]]

business for purposes of the exclusions from gross income under section 
132(a)(1) and (2) and for this reason do not add any economic burden to 
affected entities. Therefore, a Regulatory Flexibility Analysis under 
the Regulatory Flexibility Act (5 U.S.C. chapter 6) is not required.
    Notwithstanding this certification that the proposed regulations 
would not have a significant economic impact on a substantial number of 
small entities, the Treasury Department and the IRS invite comments on 
the impacts these proposed regulations may have on small entities.

IV. Section 7805(f)

    Pursuant to section 7805(f) of the Code, these proposed regulations 
will be submitted to the Chief Counsel for Advocacy of the Small 
Business Administration for comment on its impact on small business.

V. Unfunded Mandates Reform Act

    Section 202 of the Unfunded Mandates Reform Act of 1995 requires 
that agencies assess anticipated costs and benefits and take certain 
other actions before issuing a final rule that includes any Federal 
mandate that may result in expenditures in any one year by a State, 
local, or Tribal government, in the aggregate, or by the private 
sector, of $100 million in 1995 dollars, updated annually for 
inflation. These proposed regulations do not include any Federal 
mandate that may result in expenditures by State, local, or Tribal 
governments, or by the private sector, in excess of that threshold.

VI. Executive Order 13132: Federalism

    Executive Order 13132 (Federalism) prohibits an agency from 
publishing any rule that has federalism implications if the rule either 
imposes substantial, direct compliance costs on State and local 
governments, and is not required by statute, or preempts State law, 
unless the agency meets the consultation and funding requirements of 
section 6 of the Executive order. These proposed regulations do not 
have federalism implications, do not impose substantial direct 
compliance costs on State and local governments, and do not preempt 
State law within the meaning of the Executive order.

Comments and Requests for Public Hearing

    Before these proposed regulations are adopted as final regulations, 
consideration will be given to any comments that are submitted timely 
to the IRS as prescribed in this preamble under the ADDRESSES heading. 
The Treasury Department and the IRS request comments on all aspects of 
the proposed regulations. Any comments submitted will be available at 
https://www.regulations.gov or upon request. A public hearing will be 
scheduled if requested in writing by any person who timely submits 
electronic or written comments. Requests for a public hearing are also 
encouraged to be made electronically. If a public hearing is scheduled, 
notice of the date and time for the public hearing will be published in 
the Federal Register.

Drafting Information

    The principal author of these regulations is Andrew Holubeck of the 
Office of the Associate Chief Counsel (Employee Benefits, Exempt 
Organizations, and Employment Taxes). However, other personnel from the 
IRS and the Treasury Department participated in their development.

List of Subjects in 26 CFR Part 1

    Income taxes, Reporting and recordkeeping requirements.

Proposed Amendments to the Regulations

    Accordingly, the Treasury Department and IRS propose to amend 26 
CFR part 1 as follows:

PART 1--INCOME TAXES

0
Paragraph 1. The authority citation for part 1 is amended by revising 
an entry for Sec. Sec.  1.132-0 through 1.132-8T in numerical order to 
read in part as follows:

    Authority: 26 U.S.C. 7805 * * *
* * * * *
    Sections 1.132-0 through 1.132-8T also issued under 26 U.S.C. 
132(o).
* * * * *

0
Par 2. Section 1.132-4 is amended by revising paragraphs (a)(2) and (3) 
and adding paragraph (a)(4) to read as follows:


Sec.  1.132-4  Line of business limitation.

    (a) * * *
    (2) Definition of line of business--(i) In general. An employer's 
line of business is determined by reference to the most recent version 
of the North American Industry Classification System (NAICS), as 
prepared by Statistics Canada, Mexico's Instituto Nacional de 
Estad[iacute]stica y Geograf[iacute]a, and the Economic Classification 
Policy Committee of the United States, acting on behalf of the Office 
of Management and Budget (OMB) (or successor organizations), that is 
available on the first day of the taxable year in which the no-
additional-cost service or qualified employee discount exclusion is 
being applied. An employer is considered to have more than one line of 
business if the employer offers for sale to customers goods or services 
in more than one four-digit code classification referred to in the 
NAICS (i.e., NAICS industry group).
    (ii) Examples. Examples of the four-digit industry group 
classifications are: General Merchandise Stores, including Warehouse 
Clubs and Supercenters; Traveler Accommodation; Automotive Repair and 
Maintenance; and Grocery Stores.
    (3) Aggregation of four-digit classifications. If, pursuant to 
paragraph (a)(2) of this section, an employer has more than one line of 
business, such lines of business will be treated as a single line of 
business where and to the extent that one or more of the following 
aggregation rules apply:
    (i) If it is uncommon in the industry of the employer for any of 
the separate lines of business of the employer to be operated without 
the others, the separate lines of business are treated as one line of 
business.
    (ii) If it is common for a substantial number of employees (other 
than those employees who work at the headquarters or main office of the 
employer) to perform substantial services for more than one line of 
business of the employer, so that determination of which employees 
perform substantial services for which line of business would be 
difficult, then the separate lines of business of the employer in which 
such employees perform substantial services are treated as one line of 
business. For example, assume that an employer operates a delicatessen 
(i.e., a specialty food store) with an attached service counter at 
which food is sold for consumption on the premises (i.e., a restaurant 
or eating place). Assume further that most but not all employees work 
both at the delicatessen and at the service counter. Under the 
aggregation rule of this paragraph (a)(3)(ii), the delicatessen and the 
service counter are treated as one line of business.
    (iii) If the retail operations of an employer that are located on 
the same premises are in separate lines of business but would be 
considered to be within one line of business under paragraph (a)(2) of 
this section if the merchandise offered for sale in such lines of 
business were offered for sale at a general merchandise store, 
including a warehouse club or super center, then the operations are 
treated as one line of business. For example, assume that on the same 
premises an employer sells both specialty foods (i.e., specialty food 
retailers) and small kitchen appliances

[[Page 37829]]

(i.e., electronics and appliance retailers). Because, if sold together 
at a general merchandise store, the operations would be part of the 
same line of business, the operations are treated as one line of 
business.
    (4) Applicability date. Paragraphs (a)(2) and (3) of this section 
apply to taxable years beginning on or after [DATE OF PUBLICATION OF 
THE FINAL RULE IN THE FEDERAL REGISTER].

Edward T. Killen,
Acting Chief Tax Compliance Officer.
[FR Doc. 2025-14883 Filed 8-5-25; 8:45 am]
BILLING CODE 4830-01-P