# 5 C.F.R. § 1650.64 (2026): Executive Director's exception to the spousal consent requirement

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T5_P1650_S1650_64

## Section

- **Citation:** 5 C.F.R. § 1650.64 (2026)
- **Heading:** Executive Director's exception to the spousal consent requirement
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 5 CFR: Administrative Personnel / Chapter VI: FEDERAL RETIREMENT THRIFT INVESTMENT BOARD / Part 1650: METHODS OF WITHDRAWING FUNDS FROM THE THRIFT SAVINGS PLAN / Subpart G: Spousal Rights / § 1650.64: § 1650.64   Executive Director's exception to the spousal consent requirement.

## Text

(a) Whenever this subpart requires the consent of a spouse of a FERS or uniformed services participant to a loan or TSP withdrawal or a waiver of the right to a survivor annuity, an exception to this requirement may be granted if the participant establishes to the satisfaction of the Executive Director that:
(1) The spouse's whereabouts cannot be determined in accordance with the provisions of this subpart; or
(2) Due to exceptional circumstances, requiring the spouse's signature would be inappropriate.
(i) An exception to the requirement for a spouse's signature may be granted based on exceptional circumstances only when the participant presents a court order or government agency determination that contains a finding or a recitation of exceptional circumstances regarding the spouse which would warrant an exception to the signature requirement.
(ii) Exceptional circumstances are narrowly construed, but are exemplified by a court order or government agency determination that:
(A) Indicates that the spouse and the participant have been maintaining separate residences with no financial relationship for three or more years;
(B) Indicates that the spouse abandoned the participant, but for religious or similarly compelling reasons, the parties chose not to divorce; or
(C) Expressly states that the participant may obtain a loan from his or her TSP account or make a TSP withdrawal notwithstanding the absence of the spouse's signature.
(b) A post-employment distribution election or an in-service withdrawal request processed within 90 days of an approved exception will be accepted by the TSP record keeper so long as the spouse named on the request is the spouse for whom the exception has been approved.
[68 FR 35503, June 13, 2003, as amended at 69 FR 29851, May 26, 2004; 87 FR 31685, May 24, 2022]

## Nearby sections

- [5 C.F.R. § 1650.61 (2026) § 1650.61   Spousal rights applicable to post-employment withdrawals.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P1650_S1650_61.md)
- [5 C.F.R. § 1650.62 (2026) § 1650.62   Spousal rights applicable to in-service withdrawals.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P1650_S1650_62.md)
- [5 C.F.R. § 1650.63 (2026) § 1650.63   Executive Director's exception to the spousal notification requirement.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P1650_S1650_63.md)
- [5 C.F.R. § 1650.64 (2026) § 1650.64   Executive Director's exception to the spousal consent requirement.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P1650_S1650_64.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T5_P1650_S1650_64. Check the current official text before relying on it. Not legal advice.