The Women's Retirement Protection Act seeks to bolster retirement security, particularly for women, by amending the Employee Retirement Income Security Act of 1974 (ERISA) and the Internal Revenue Code. A core provision requires spousal consent for most distributions and beneficiary changes from defined contribution plans, mirroring protections found in traditional defined benefit plans. This aims to prevent participants from making unilateral decisions that could jeopardize a spouse's financial future, especially given the prevalence of defined contribution plans and the financial vulnerabilities women often face in retirement. The bill outlines specific exceptions to the spousal consent requirement, such as for minimum required distributions, small distributions under 25% of the account balance (once per account), or when 50% of the accrued benefit is transferred to the spouse's individual retirement account. Consent is also not required if there is no spouse, the couple has been married for less than one year, or the spouse cannot be located. Importantly, the legislation grants individuals a right of action to seek appropriate relief if their rights under these new spousal protection provisions are violated. Beyond spousal protections, the Act mandates that financial product and service providers offer an easily accessible link to the Bureau of Consumer Financial Protection's (CFPB) website when offering retirement-related products. This link will provide consumers with independent information and resources on retirement planning and economic security. Furthermore, the bill authorizes the Secretary of Labor to award competitive grants to community-based organizations to improve financial literacy among working-age and retired women, with an annual appropriation of $100 million . Another significant component establishes a grant program, also administered by the Secretary of Labor, to assist low-income women and survivors of domestic violence. These grants, each at least $250,000, will help eligible entities provide support in preparing, obtaining, and effectuating qualified domestic relations orders (QDROs) . This ensures that vulnerable women can access the retirement benefits they are legally entitled to, with an additional $100 million authorized annually for this purpose.