A function on the state space of a Markov chain is a "lumping" if observing only the function values gives a Markov chain. We give very general conditions for lumpings of a large class of algebraically-defined Markov chains, which include random walks on groups and other common constructions. We specialise these criteria to the case of descent operator chains from combinatorial Hopf algebras, and, as an example, construct a "top-to-random-with-standardisation" chain on permutations that lumps to a popular restriction-then-induction chain on partitions, using the fact that the algebra of symmetric functions is a subquotient of the Malvenuto-Reutenauer algebra.2 Part I: General Theory 2.1 Matrix notation Given a matrix A , let A(x, y) denote its entry in row x, column y, and write A T for the transpose of A.Let V be a vector space (over R) with basis B, and T : V → V be a linear map. Write [T] B for the matrix of T with respect to B . In other words, the entries of [T] B satisfy T(x) = y∈B [T] B (y, x)y for each x ∈ B. 1 (The sections have both custom numbering and standard numerical numbering, to be consistent with the journal version.)