What is the official ID of this bill?

The official print number for this legislation is HR 4678.

When did the legislative process begin?

The process officially started on 2021-07-22.

Where can I read the full text of this legislation?

The full official text is available at: https://www.congress.gov/117/bills/hr4678/BILLS-117hr4678ih.htm

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-02.

Who is the primary sponsor?

The primary sponsor is Rep. Underwood, Lauren [D-IL-14].

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What is the latest detailed status?

The latest detailed status is: Introduced in House

Analysis and Potential Impact of HR 4678

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

Women's Retirement Protection: New Rules for Defined Contribution Plans and Part-Time Workers

Q: What are the main provisions?

Key points include: Mandatory spousal consent for withdrawals from individual defined contribution retirement plans, protecting family savings. Improved access to retirement plans for part-time employees who work at least 500 hours annually for two consecutive years. Grant programs for women's financial literacy and legal aid for low-income women and domestic violence survivors in dividing retirement benefits after divorce.

This act aims to strengthen women's retirement security by requiring spousal consent for distributions from defined contribution plans and making it easier for part-time workers to access retirement plans. It also provides grants for financial literacy education and assistance in obtaining qualified domestic relations orders in divorce cases, enhancing financial stability for women in retirement.

Key points

Mandatory spousal consent for withdrawals from individual defined contribution retirement plans, protecting family savings.

Improved access to retirement plans for part-time employees who work at least 500 hours annually for two consecutive years.

Grant programs for women's financial literacy and legal aid for low-income women and domestic violence survivors in dividing retirement benefits after divorce.

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Additional Information

Women's Retirement Protection Act

Print number: HR 4678

Sponsor: Rep. Underwood, Lauren [D-IL-14]

Process start date: 2021-07-22

System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.

Summarized by: gemini-2.5-flash

Source data: api.congress.gov

AI work logs for this document launch

Women's Retirement Protection: New Rules for Defined Contribution Plans and Part-Time Workers

Key Questions about Women's Retirement Protection: New Rules for Defined Contribution Plans and Part-Time Workers