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Women's Retirement Protection: Spousal Consent for Retirement Plan Withdrawals

This act aims to enhance women's financial security in retirement, especially in cases of divorce. It introduces a requirement for spousal consent for withdrawals from individual retirement plans, preventing unauthorized depletion of savings. Additionally, the act provides support for obtaining qualified domestic relations orders and financial literacy education for women.
Key points
Mandatory spousal consent for withdrawals from most individual retirement plans, protecting joint savings.
Easier access to Qualified Domestic Relations Orders (QDROs) for low-income women and domestic violence survivors.
Financial literacy programs for women to improve their knowledge of retirement planning.
Requirement for financial service providers to link to government resources on retirement planning.
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Status:
Introduced
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Additional Information
Women's Retirement Protection Act
Print number: S 988
Sponsor: Sen. Baldwin, Tammy [D-WI]
Process start date: 2025-03-12
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
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Summary & Status

Key Questions about Women's Retirement Protection: Spousal Consent for Retirement Plan Withdrawals

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is S 988.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2025-03-12.

What are the main provisions?

Key points include:

  • Mandatory spousal consent for withdrawals from most individual retirement plans, protecting joint savings.
  • Easier access to Qualified Domestic Relations Orders (QDROs) for low-income women and domestic violence survivors.
  • Financial literacy programs for women to improve their knowledge of retirement planning.
  • Requirement for financial service providers to link to government resources on retirement planning.

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 Sen. Baldwin, Tammy [D-WI].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

Analysis and Potential Impact of S 988

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.

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