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Enhanced Retirement Protection for Women and Spouses

This act aims to boost retirement savings protection, especially for women, by requiring spousal consent for withdrawals from retirement plans. It seeks to improve financial security in old age, particularly in cases of divorce or a spouse's death, and enhance financial literacy.
Key points
Requires spousal consent for withdrawals from individual retirement accounts (defined contribution plans) to protect joint savings.
Facilitates the division of retirement savings in divorce cases by providing assistance in obtaining qualified domestic relations orders.
Increases access to retirement planning information and financial education for women, including low-income individuals and domestic violence survivors.
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Status: Introduced
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Additional Information
Print number: 119_HR_2023
Sponsor: Rep. Underwood, Lauren [D-IL-14]
Process start date: 2025-03-11
System Note: Lustra is free, publicly auditable civic infrastructure — 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

OFFICIAL LEGAL TITLE

Women's Retirement Protection Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_2023.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-03-11.

What are the main provisions?

Key points include:

  • Requires spousal consent for withdrawals from individual retirement accounts (defined contribution plans) to protect joint savings.
  • Facilitates the division of retirement savings in divorce cases by providing assistance in obtaining qualified domestic relations orders.
  • Increases access to retirement planning information and financial education for women, including low-income individuals and domestic violence survivors.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

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

What is the latest detailed status?

The latest detailed status is: Introduced in House

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-22.

What is the impact of this bill?

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.

CATEGORIES

Labor Family Benefits