Requires retirement plans that let participants use a brokerage window (invest outside the plan’s designated options) to give participants a specific four-part notice and obtain the participant’s acknowledgement before the participant may direct funds into a non‑designated investment arrangement. The notice must include a chart showing projected account balances at age 67 for 4%, 6%, and 8% returns. The change amends ERISA definitions and the fiduciary/disclosure rule language and takes effect on January 1, 2026.