‘‘(A) the 90-day period immediately pre-
ceding the date of such distribution; or 
‘‘(B) such other period as the Secretary of 
the Treasury may provide. 
‘‘(f) DISCHARGE OF PLAN FROM LIABILITY.—Rules 
similar to the rules of section 205(c)(6) shall apply for 
purposes of this section.’’. 
(2) CLERICAL AMENDMENT.—The table of sec-
tions of part 2 of subtitle B of title I of the Em-
ployee Retirement Income Security Act of 1974 is 
amended by inserting after the item relating to sec-
tion 205 the following new item: 
‘‘Sec. 205A. Additional spousal consent requirements.’’. 
(3) RIGHT OF ACTION.—Section 502(a) of the 
Employee Retirement Income Security Act of 1974 
(29 U.S.C. 1132) is amended— 
(A) by striking ‘‘or’’ at the end of para-
graph (10); 
(B) by striking the period at the end of 
paragraph (11) and inserting ‘‘; or’’; and 
(C) by adding at the end the following new 
paragraph: 
‘‘(12) by an individual for appropriate relief in 
the case of a violation of the individual’s rights 
under section 205A.’’. 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00010
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
(4) PARALLEL AMENDMENT TO SECTION 205.— 
Section 205(c)(2)(B) of the Employee Retirement 
Income 
Security 
Act 
of 
1974 
(29 
U.S.C. 
1055(c)(2)(B)) is amended by inserting ‘‘, because 
due to exceptional circumstances, requiring the par-
ticipant to seek the spouse’s consent would be inap-
propriate’’ after ‘‘located’’. 
(b) CONFORMING AMENDMENT TO INTERNAL REV-
ENUE CODE OF 1986.—Section 401(a) of the Internal 
Revenue Code of 1986 is amended by inserting after para-
graph (17) the following new paragraph: 
‘‘(18) ADDITIONAL
SPOUSAL
CONSENT
RE-
QUIREMENTS.— 
‘‘(A) IN GENERAL.—In the case of a de-
fined contribution plan to which paragraph (11) 
does not apply, except as provided in sub-
sections (c) and (d), a trust forming part of 
such plan shall not constitute a qualified trust 
under this section unless no distribution may be 
made under the plan unless the spousal consent 
requirements of subparagraph (E) are met. 
‘‘(B) COORDINATION
WITH
PARAGRAPH 
(11).—Nothing in this paragraph shall be con-
strued to exempt a defined contribution plan 
from the requirements of subparagraph (B)(ii), 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00011
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
(B)(iii), or (C) of paragraph (11) with respect 
to any participant. 
‘‘(C) EXCEPTIONS FOR CERTAIN DISTRIBU-
TIONS.—Subparagraph (A) shall not apply to— 
‘‘(i) any distribution that is— 
‘‘(I) a minimum required dis-
tribution described in section 4974(b), 
or 
‘‘(II) permitted under section 
411(a)(11) to be made without the 
consent of the participant, 
‘‘(ii) any distribution in the form of a 
qualified joint and survivor annuity (as de-
fined in section 417(b)), a qualified op-
tional survivor annuity (as defined in sec-
tion 417(g)), a qualified preretirement sur-
vivor annuity (as defined in section 
417(c)), or a series of substantially equal 
periodic payments (not less frequently than 
annually) made for the joint lives (or life 
expectancies) of the participant and the 
participant’s spouse, or 
‘‘(iii) in the case of a participant who 
does not elect a form of benefit described 
in clause (ii) under the plan or who is par-
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00012
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
ticipating in a plan that does not provide 
such a form of benefit, any distribution of 
the participant’s entire nonforfeitable ac-
crued benefit if 50 percent of such accrued 
benefit is transferred to an individual re-
tirement plan of the spouse of the partici-
pant. 
A transfer described in clause (iii) to an indi-
vidual retirement plan shall be treated in the 
same manner as a transfer under section 
408(d)(6). 
‘‘(D) EXCEPTIONS
FOR
CERTAIN
ROLL-
OVER
CONTRIBUTIONS.—Subparagraph 
(A) 
shall not apply to any distribution, involving a 
participant who has a spouse, that is an eligible 
rollover distribution (as defined in section 
402(f)(2)(A)) made in the form of a direct 
trustee-to-trustee transfer within the meaning 
of paragraph (31)— 
‘‘(i) to a plan to which this paragraph 
or paragraph (11) applies; or 
‘‘(ii) to an individual retirement plan 
if— 
‘‘(I) the beneficiary of such plan 
is the spouse of the participant, or the 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00013
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
spousal consent requirements of sub-
paragraph (E) are met with respect to 
any designation of 1 or more other 
beneficiaries; and 
‘‘(II) under the terms of the indi-
vidual retirement plan, the beneficiary 
of such plan (whether the spouse or 
other beneficiary designated under 
clause (i)) may not be changed un-
less— 
‘‘(aa) the spousal consent 
requirements 
of 
subparagraph 
(E) are met with respect to any 
such change, or 
‘‘(bb) the spousal consent 
under subclause (I) to the des-
ignation of a beneficiary other 
than the spouse expressly permits 
such designation to be changed 
without the further consent of 
the spouse. 
‘‘(E) 
SPOUSAL
CONSENT
REQUIRE-
MENTS.— 
‘‘(i) IN
GENERAL.—For purposes of 
this paragraph, except as provided in 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00014
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
clause (ii), the spousal consent require-
ments of this subparagraph are met with 
respect to any distribution or any designa-
tion or change of beneficiary if— 
‘‘(I) the plan provides to each 
participant, within a reasonable period 
of time before such distribution or 
designation or change of beneficiary is 
made and consistent with such regula-
tions as the Secretary may prescribe, 
a written explanation of the rights of 
the participant and the participant’s 
spouse under this paragraph, 
‘‘(II) the spouse of the partici-
pant consents in writing to the dis-
tribution or designation or change of 
beneficiary, 
‘‘(III) in the case of a distribu-
tion, the written consent under sub-
clause (II) is made during the consent 
period, and 
‘‘(IV) the written consent under 
subclause (ii)— 
‘‘(aa) acknowledges the ef-
fect of such distribution or des-
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00015
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
of Labor, may by regulations pre-
scribe. 
‘‘(iii) CONSENT LIMITED TO SPOUSE 
AND
EVENT.—Any written consent by a 
spouse under clause (i), or the establish-
ment by a participant that an exception 
under clause (ii) applies with respect to a 
spouse, shall be effective only with respect 
to that spouse and to the distribution or 
designation or change of beneficiary to 
which it relates. 
‘‘(iv) CONSENT
PERIOD.—For pur-
poses of this subparagraph, the term ‘con-
sent period’ means, with respect to any 
distribution— 
‘‘(I) the 90-day period imme-
diately preceding the date of such dis-
tribution, or 
‘‘(II) such other period as the 
Secretary may provide.’’. 
SEC. 4. IMPROVING COVERAGE FOR PART-TIME WORKERS. 
(a) AMENDMENT OF EMPLOYEE RETIREMENT IN-
COME SECURITY ACT OF 1974.— 
(1) IN GENERAL.—Section 202 of the Employee 
Retirement Income Security Act of 1974 (29 U.S.C. 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00017
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
1052) is amended by adding at the end the following 
new subsection: 
‘‘(c) SPECIAL RULE FOR CERTAIN PART-TIME EM-
PLOYEES.— 
‘‘(1) IN
GENERAL.—A pension plan that in-
cludes either a qualified cash or deferred arrange-
ment (as defined in section 401(k) of the Internal 
Revenue Code of 1986) or a salary reduction agree-
ment (as described in section 403(b) of such Code) 
shall not require, as a condition of participation in 
the arrangement or agreement, that an employee 
complete a period of service with the employer (or 
employers) maintaining the plan extending beyond 
the close of the earlier of— 
‘‘(A) the period permitted under subsection 
(a)(1) (determined without regard to subpara-
graph (B)(i) thereof); or 
‘‘(B) the first 24-month period— 
‘‘(i) consisting of 2 consecutive 12- 
month periods during each of which the 
employee has at least 500 hours of service; 
and 
‘‘(ii) by the close of which the em-
ployee has attained the age of 21. 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00018
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
‘‘(2) EXCEPTION.—Paragraph (1)(B) shall not 
apply to employees who are included in a unit of em-
ployees covered by an agreement which the Secretary 
finds to be a collective bargaining agreement be-
tween employee representatives and 1 or more em-
ployers, if there is evidence that retirement benefits 
were the subject of good faith bargaining between 
such employee representatives and such employer or 
employers. 
‘‘(3) COORDINATION WITH OTHER RULES.— 
‘‘(A) IN GENERAL.—In the case of employ-
ees who are eligible to participate in the ar-
rangement or agreement solely by reason of 
paragraph (1)(B): 
‘‘(i) EXCLUSIONS.—An employer may 
elect to exclude such employees from the 
application of subsections (a)(4), (k)(3), 
(k)(12), 
(k)(13), 
(k)(15)(B)(iv), 
(k)(15)(B)(i)(I), and (m)(2) of section 401 
of such Code and section 410(b) of such 
Code. 
‘‘(ii) TIME OF PARTICIPATION.—The 
rules of subsection (a)(4) shall apply to 
such employees. 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00019
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
‘‘(B) TOP-HEAVY
RULES.—An employer 
may elect to exclude all employees who are eligi-
ble to participate in a plan maintained by the 
employer solely by reason of paragraph (1)(B) 
from the application of the vesting and benefit 
requirements under subsections (b) and (c) of 
section 416 of such Code. 
‘‘(4) 12-MONTH PERIOD.—For purposes of this 
subsection, 12-month periods shall be determined in 
the same manner as under the last sentence of sub-
section (a)(3)(A), except that 12-month periods be-
ginning before January 1, 2021, shall not be taken 
into account.’’. 
(2) VESTING.—Section 203(b) of the Employee 
Retirement Income Security Act of 1974 (29 U.S.C. 
1053(a)) is amended by redesignating paragraph (4) 
as paragraph (5) and by inserting after paragraph 
(3) the following new paragraph: 
‘‘(4) PART-TIME EMPLOYEES.—For purposes of de-
termining whether an employee who is eligible to partici-
pate in a qualified cash or deferred arrangement or a sal-
ary reduction agreement under a plan solely by reason of 
section 202(c)(1)(B) has a nonforfeitable right to em-
ployer contributions— 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00020
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
‘‘(A) except as provided in subparagraph (B), 
each 12-month period for which the employee has at 
least 500 hours of service shall be treated as a year 
of service; 
‘‘(B) paragraph (3) shall be applied by sub-
stituting ‘at least 500 hours of service’ for ‘more 
than 500 hours of service’ in subparagraph (A) 
thereof; and 
‘‘(C) 12-month periods occurring before the 24- 
month period described in section 202(c)(1)(B) shall 
not be treated as years of service. 
For purposes of this paragraph, 12-month periods shall 
be determined in the same manner as under the last sen-
tence of section 202(a)(3)(A), except that 12-month peri-
ods beginning before January 1, 2021, shall not be taken 
into account.’’. 
(3) PENALTY.—Section 502 of the Employee 
Retirement Income Security Act of 1974 (29 U.S.C. 
1132) is amended by adding at the end the following 
new subsection: 
‘‘(n) REQUIREMENTS RELATING TO PART-TIME EM-
PLOYEES.—In the case of a plan that fails to permit par-
ticipation as required by section 202(c), the Secretary may 
assess a civil penalty against the plan sponsor in an 
amount equal to $10,000 per year per employee to whom 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00021
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
such failure relates. The Secretary may, in the Secretary’s 
sole discretion, waive or reduce the penalty under this sub-
section if the Secretary determines that the plan sponsor 
acted reasonably and in good faith.’’. 
(b) CONFORMING AMENDMENTS TO INTERNAL REV-
ENUE CODE OF 1986.— 
(1) IN GENERAL.—Section 410(a) of the Inter-
nal Revenue Code of 1986 is amended by adding at 
the end the following new paragraphs: 
‘‘(6) SPECIAL RULE FOR CERTAIN PART-TIME 
EMPLOYEES.— 
‘‘(A) IN GENERAL.—In the case of a plan 
that includes either a qualified cash or deferred 
arrangement (as defined in section 401(k)) or a 
salary reduction agreement (as described in sec-
tion 403(b)), a trust of which such plan is a 
part shall not constitute a qualified trust under 
section 401(a) if the plan requires, as a condi-
tion of participation in the plan or arrange-
ment, that an employee complete a period of 
service with the employer (or employers) main-
taining the plan extending beyond the close of 
the earlier of— 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00022
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
‘‘(i) the period permitted under para-
graph (1) (determined without regard to 
subparagraph (B)(i) thereof), or 
‘‘(ii) the first 24-month period— 
‘‘(I) consisting of 2 consecutive 
12-month periods during each of 
which the employee has at least 500 
hours of service, and 
‘‘(II) by the close of which the 
employee has attained the age of 21. 
‘‘(B) EXCEPTION.—Subparagraph (A)(ii) 
shall not apply to employees who are included 
in a unit of employees covered by an agreement 
which the Secretary of Labor finds to be a col-
lective bargaining agreement between employee 
representatives and 1 or more employers, if 
there is evidence that retirement benefits were 
the subject of good faith bargaining between 
such employee representatives and such em-
ployer or employers. 
‘‘(C) 
COORDINATION
WITH
OTHER 
RULES.— 
‘‘(i) IN GENERAL.—In the case of em-
ployees who are eligible to participate in 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00023
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
the arrangement or agreement solely by 
reason of subparagraph (A)(ii)— 
‘‘(I) EXCLUSIONS.—An employer 
may elect to exclude such employees 
from the application of subsection (b) 
and of subsections (a)(4), (k)(3), 
(k)(12), 
(k)(13), 
(k)(15)(B)(iv), 
(k)(15)(B)(i)(I), and (m)(2) of section 
401. 
‘‘(II) TIME OF PARTICIPATION.— 
The rules of paragraph (4) shall apply 
to such employees. 
‘‘(ii) TOP-HEAVY
RULES.—An em-
ployer may elect to exclude all employees 
who are eligible to participate in a plan 
maintained by the employer solely by rea-
son of subparagraph (A)(ii) from the appli-
cation of the vesting and benefit require-
ments under subsections (b) and (c) of sec-
tion 416. 
‘‘(D) 12-MONTH PERIOD.—For purposes of 
this paragraph, 12-month periods shall be de-
termined in the same manner as under the last 
sentence of paragraph (3)(A), except that 12- 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00024
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
month periods beginning before January 1, 
2021, shall not be taken into account. 
‘‘(7) PART-TIME EMPLOYEES.—For purposes of 
determining whether an employee who is eligible to 
participate in a qualified cash or deferred arrange-
ment or a salary reduction agreement under a plan 
solely by reason of paragraph (6)(A)(ii) has a non-
forfeitable right to employer contributions— 
‘‘(A) except as provided in subparagraph 
(B), each 12-month period for which the em-
ployee has at least 500 hours of service shall be 
treated as a year of service, 
‘‘(B) section 411(a)(6) shall be applied by 
substituting ‘at least 500 hours of service’ for 
‘more than 500 hours of service’ in subpara-
graph (A) thereof, and 
‘‘(C) 12-month periods occurring before 
the 24-month period described in paragraph 
(6)(A)(ii) shall not be treated as years of serv-
ice. 
For purposes of this paragraph, 12-month periods 
shall be determined in the same manner as under 
paragraph (6)(D).’’. 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00025
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
SEC. 5. EFFECTIVE DATES. 
(a) INCREASING SPOUSAL PROTECTION UNDER DE-
FINED CONTRIBUTION PLANS.—Except as provided in 
subsections (c) and (d), the amendments made by section 
3 shall apply to distributions and rollover contributions 
made in plan years beginning after the date that is 1 year 
after the date of the enactment of this Act. 
(b) ENSURING COVERAGE FOR LONG-TERM PART- 
TIME WORKERS.—Except as provided in subsections (c) 
and (d), the amendments made by section 4 shall apply 
to plan years beginning after December 31, 2021. 
(c) COLLECTIVE BARGAINING AGREEMENTS.—In the 
case of a plan maintained pursuant to one or more collec-
tive bargaining agreements between employee representa-
tives and one or more employers ratified before the date 
of the enactment of this Act, the amendments made by 
sections 3 and 4 shall not apply to distributions or rollover 
contributions on behalf of employees covered by any such 
agreement for plan years beginning before the earlier of— 
(1) the later of— 
(A) the date on which the last of such col-
lective bargaining agreements terminates (de-
termined without regard to any extension there-
of on or after such date of the enactment); or 
(B) the day after the date specified in sub-
section (a) or (b), whichever is applicable; or 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00026
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
(2) the date that is 3 years after the applicable 
day described in paragraph (1)(B). 
(d) PROVISIONS
RELATING
TO
PLAN
AMEND-
MENTS.— 
(1) IN GENERAL.—If this paragraph applies to 
any plan or contract amendment, such plan or con-
tract shall be treated as being operated in accord-
ance with the terms of the plan during the period 
described in paragraph (2)(C). 
(2) AMENDMENTS TO WHICH PARAGRAPH (1) 
APPLIES.— 
(A) IN
GENERAL.—Paragraph (1) shall 
apply to any amendment to any plan or annuity 
contract which is made— 
(i) pursuant to the amendments made 
by section 3 or 4 or pursuant to any regu-
lation issued under either such section; and 
(ii) on or before the last day of the 
first plan year beginning on or after the 
date that is 3 years after the applicable 
day described in subsection (c)(1)(B). 
In the case of a governmental plan (as defined 
in section 414(d) of the Internal Revenue Code 
of 1986), this subparagraph shall be applied by 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00027
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
substituting ‘‘5 years’’ for ‘‘3 years’’ in clause 
(ii). 
(B) CONDITIONS.—Subparagraph (A) shall 
not apply to any amendment unless— 
(i) the plan or contract is operated as 
if such plan or contract amendment were 
in effect for the period described in sub-
paragraph (C); and 
(ii) such plan or contract amendment 
applies retroactively for such period. 
(C) PERIOD DESCRIBED.—The period de-
scribed in this subparagraph is the period— 
(i) beginning on the effective date 
specified by the plan; and 
(ii) ending on the date described in 
subparagraph (A)(ii) (or, if earlier, the 
date the plan or contract amendment is 
adopted). 
SEC. 6. ACCESS TO INDEPENDENT CONSUMER INFORMA-
TION AND UNDERSTANDING. 
(a) DEFINITIONS.—In this section— 
(1) the term ‘‘consumer’’ means any person 
who purchases or acquires any goods, products, serv-
ices, or credit related to the retirement or later life 
economic security of the consumer; and 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00028
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
(2) the term ‘‘financial product or service pro-
vider’’ means any person who engages in the busi-
ness of providing any retirement financial product or 
service to any consumer. 
(b) REQUIRED LINK TO CONSUMER AWARENESS IN-
FORMATION.—In any offer for the sale, exchange, or other 
transfer of a retirement financial product or service to a 
consumer carried out by a financial product or service pro-
vider, such provider shall provide, in a manner consistent 
with subsection (c), an easily accessible link to the website 
of the Bureau of Consumer Financial Protection (referred 
to in this section as the ‘‘CFPB’’) at which the consumer 
may access information, literature, guides, programs, 
tools, strategies, or any other resource produced by the 
CFPB or other Federal agency relating to retirement 
planning or later life economic security. 
(c) DETERMINATION.—In order to ensure that the re-
quirement under subsection (b) is effectively carried out, 
the Financial Literacy and Education Commission shall 
determine and publish on its website the appropriate link 
to the CFPB’s website for access to the CFPB’s and other 
Federal agencies’ consumer education materials, the pre-
ferred format of such link, and any accompanying descrip-
tion of the CFPB and the consumer education materials 
associated with such link. 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00029
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
SEC. 7. GRANTS TO PROMOTE FINANCIAL LITERACY FOR 
WOMEN. 
(a) AUTHORIZATION OF GRANT AWARDS.—The Sec-
retary of Labor, acting through the Director of the Wom-
en’s Bureau, shall award grants on a competitive basis to 
eligible entities to enable such entities to improve the fi-
nancial literacy of women who are working age or in re-
tirement, to increase the likelihood of the women realizing 
a secure and stable retirement. 
(b) DEFINITION OF ELIGIBLE ENTITY.—In this sec-
tion, the term ‘‘eligible entity’’ means a community-based 
organization with proven experience and expertise in serv-
ing working-age or retired women. 
(c) APPLICATION.—An eligible entity that desires to 
receive a grant under this section shall submit an applica-
tion to the Secretary of Labor at such time, in such man-
ner, and accompanied by such information as such Sec-
retary may require. 
(d) MINIMUM GRANT AMOUNT.—The Secretary of 
Labor shall award grants under this section in amounts 
of not less than $250,000. 
(e) USE OF FUNDS.—An eligible entity that receives 
a grant under this section shall use the grant funds to 
develop and implement financial literacy education, and 
related activities including outreach, awareness building, 
and counseling to increase women’s knowledge of retire-
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00030
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
ment planning and consumer, economic, and personal fi-
nancial concepts. 
(f) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to carry out this section 
$100,000,000 for fiscal year 2022 and each succeeding 
fiscal year. 
SEC. 8. GRANTS TO ASSIST LOW-INCOME WOMEN AND SUR-
VIVORS OF DOMESTIC VIOLENCE IN OBTAIN-
ING QUALIFIED DOMESTIC RELATIONS OR-
DERS. 
(a) AUTHORIZATION OF GRANT AWARDS.—The Sec-
retary of Labor, acting through the Director of the Wom-
en’s Bureau and in conjunction with the Assistant Sec-
retary of the Employee Benefits Security Administration, 
shall award grants, on a competitive basis, to eligible enti-
ties to enable such entities to assist low-income women 
and survivors of domestic violence in obtaining qualified 
domestic 
relations 
orders 
(as 
defined 
in 
section 
206(d)(3)(B)(i) of the Employee Retirement Income Secu-
rity Act of 1974 (29 U.S.C. 1056(d)(3)(B)(i))) and ensur-
ing that those women actually obtain the benefits to which 
they are entitled through those orders. 
(b) DEFINITION OF ELIGIBLE ENTITY.—In this sec-
tion, the term ‘‘eligible entity’’ means a community-based 
organization with proven experience and expertise in serv-
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00031
Fmt 6652
Sfmt 6201
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS
ing women and the financial and retirement needs of 
women. 
(c) APPLICATION.—An eligible entity that desires to 
receive a grant under this section shall submit an applica-
tion to the Secretary of Labor at such time, in such man-
ner, and accompanied by such information as the Sec-
retary of Labor may require. 
(d) MINIMUM GRANT AMOUNT.—The Secretary of 
Labor shall award grants under this section in amounts 
of not less than $250,000. 
(e) USE OF FUNDS.—An eligible entity that receives 
a grant under this section shall use the grant funds to 
develop programs to offer help to low-income women or 
survivors of domestic violence who need assistance in pre-
paring, obtaining, and effectuating a qualified domestic re-
lations order. 
(f) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to carry out this section 
$100,000,000 for fiscal year 2022 and each succeeding 
fiscal year. 
Æ 
VerDate Sep 11 2014 
01:08 Aug 06, 2021
Jkt 019200
PO 00000
Frm 00032
Fmt 6652
Sfmt 6301
E:\BILLS\H4678.IH
H4678
kjohnson on DSK79L0C42PROD with BILLS