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This bill amends the Employee Retirement Income Security Act of 1974 to prohibit and render unenforceable mandatory predispute arbitration clauses, class action waivers, representation waivers, and certain discretionary clauses in employee benefit plans. Postdispute arbitration agreements are permitted only if they meet strict conditions, including a 45-day waiting period, written informed consent, and proof that participation was not coerced. The bill also requires that disputes over arbitration validity be decided by courts rather than arbitrators, and mandates de novo judicial review of benefit determinations and plan interpretations.
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