US SB3770

Provides a $3,000 tax credit payment to eligible parents for each new child born, adopted (under age 3), or placed by court order (under age 1), with payments issued within 30 days of filing a claim and adjusted annually for inflation

Renames "Trump accounts" to "American Dream accounts" and makes the initial $1,000 government seed contribution program permanent (removing the January 1, 2029 expiration date), with annual inflation adjustments

Creates additional annual government contributions to American Dream accounts for qualifying children under 18 in households earning up to $75,000 ($150,000 joint): $750 plus matching contributions up to $250 for EITC-eligible taxpayers, or $500 for other eligible taxpayers

Excludes American Dream account funds from consideration when determining eligibility for federal means-tested programs, with an exception allowing amounts over $100,000 to count as resources for SSI purposes

Directs the Treasury Secretary to establish automatic enrollment for eligible individuals into American Dream accounts within one year of enactment