The Bottom Line: While both types of organizations influence elections through fundraising, PACs can donate directly to candidates but have strict contribution limits, whereas Super PACs can raise and spend unlimited amounts but are prohibited from donating directly to or coordinating with candidate campaigns.
Navigating the complex landscape of public affairs requires a clear understanding of the acronyms that define political fundraising. Misunderstandings often lead to traditional PACs being unfairly criticized for the actions of Super PACs, but their legal frameworks and strategic purposes are vastly different.
Three Primary Types of Fundraising Committees
To build a data-driven strategy, you must first distinguish between the three primary categories regulated by the Federal Election Commission (FEC).
- Separate Segregated Fund (SSF): Established by corporations, labor unions, or trade associations. They only solicit contributions from a limited “connected” class (e.g., stockholders or members).
- Non-connected PAC: Funded solely by individual contributions from the general public. They are not affiliated with a specific corporate or union sponsor.
- Super PAC (Independent Expenditure-Only Committee): Can raise unlimited funds from individuals, corporations, and unions for independent expenditures, such as mailings or commercials.
What is a PAC?
A Political Action Committee (PAC) is an organization that provides financial support to candidates to influence election outcomes. They allow individuals with common policy agendas to engage with their elected representatives collectively.
2025-2026 PAC Contribution Limits
For the 2025-2026 election cycle, the FEC has set specific limits on federal contributions:
| Donor Type | Recipient | Limit | Frequency |
| Individual | Federal Candidate | $3,500 | Per Election |
| Individual | Federal PAC | $5,000 | Per Year |
| Multicandidate PAC | Federal Candidate | $5,000 | Per Election |
| PAC (non-multicandidate) | Federal Candidate | $3,500 | Per Election |
Note: Individuals can give a total of $7,000 per candidate per cycle (primary and general elections are counted separately).
What Differentiates a Super PAC?
The primary difference is that Super PACs cannot contribute money directly to a candidate’s campaign or coordinate their spending with any candidate or political party. In exchange for this restriction, they enjoy no limits on the amount of money they can raise from their donors.
Key Differences at a Glance
| Feature | Traditional PAC | Super PAC |
| Direct Candidate Donations | Allowed (with limits) | Prohibited |
| Fundraising Limits | Capped by FEC | Unlimited |
| Donor Sources | Individuals & other PACs | Corporations, Unions, & Individuals |
| Coordination with Campaigns | Allowed | Strictly Prohibited |
Modernizing Your Strategy with Quorum PAC
Managing a PAC in 2026 requires more than just spreadsheets; it requires intelligent automation and real-time insights. Quorum PAC integrates with the only unified public affairs platform to help you stay compliant and raise more funds.
Leverage Quincy: Your AI Assistant
Quincy, Quorum’s patented AI assistant, helps you quickly turn data into action without manual digging. With Quincy, you can:
- Search PAC data conversationally: Ask, “How much did we disburse to officials on the Senate Armed Services committee?” to get instant answers.
- Identify contribution gaps: Instantly see which PAC-eligible contacts have not yet contributed.
- Amplify your messaging impact: Generate personalized solicitation emails or newsletters in seconds to engage your audience faster.
Turn Signal into Strategy with Campaign Finance
The Campaign Finance add-on unifies live, verified FEC data with your internal tools. You can benchmark your PAC’s performance against peers by sector or industry and use contact matching to link your stakeholders directly to verified FEC records.
Frequently Asked Questions
What is the individual contribution limit to a federal candidate for 2026?
For the 2025-2026 cycle, individuals may give up to $3,500 per election (primary and general) to a federal candidate.
Can a corporation donate directly to a traditional PAC?
No. Corporations can only cover the administrative and solicitation costs of their own Separate Segregated Fund (SSF) but cannot contribute directly to the PAC’s political fund.
How does Quorum help with FEC compliance?
Quorum PAC allows you to manage transactions, reconcile accounts, and file federal and state compliance reports within a single platform.
What is Quorum Quincy?
Quincy is Quorum’s AI assistant that unifies policy intelligence across your team. It can analyze legislation, summarize hearings, and draft personalized outreach in seconds.