,,iv  #aac? ,,congress  #b;d ,session   
,h4 ,,res4 #gba  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,septemb] #aa1 #bjad  
,mr4 ,fo/] 7= himself1 ,mr4 ,c>son (    
,indiana1 ,mr4 ,c>twright1 ,mr4 ,coh51  
,mr4 ,ha/+s ( ,florida1 ,mr4 ,h9ojosa1  
,mr4 ,holt1 ,ms4 ,eddie ,b]nice ,johnson
 ( ,texas1 ,ms4 ,kelly ( ,ill9ois1 ,mr4 
,lance1 ,mr4 ,langev91 ,ms4 ,lee (      
,cali=nia1 ,mrs4 ,mc,carthy ( ,new      
,york1 ,mr4 ,meeks1 ,ms4 ,norton1 ,mr4  
,pocan1 ,mr4 ,quigley1 ,mr4 ,rangel1    
,mr4 ,s*neid]1 & ,mr4 ,tib]i7 submitt$ !
 foll[+ resolution2 :i* 0 ref]r$ to !   
,committee on ,f9ancial ,s]vices        
,,resolution  ,enc\rag+ great]          
public-private sector collaboration to  
promote f9ancial lit]acy = /ud5ts & "y  
adults4  ,:]eas p]sonal f9ancial lit]acy
 is ess5tial to ensur+ t individuals are
 prep>$ to make in=m$ decisions ab\t    
f9ancial plann+1 weal? accumulation1    
high] education loans1 #ebi sav+s plans1
 manag+ cr$it c>ds1 & o!r debt along )  
budget+2 ,:]eas _m "y p are ill-equipp$ 

to h&le major f9ancial decisions 9 an   
increas+ly complex f9ancial m>ketplace2 
,:]eas p]sonal f9ancial managem5t skills
 beg9 to develop dur+ *ildhood2 ,:]eas !
 move away f traditional p5sions to     
def9$ contribution plans requires m     
f9ancial education1 s work]s ne$ to be  
equipp$ ) ! f9ancial aptitude to n only 
save & accumulate assets1 b !y ne$ to be
 prep>$ to turn ^? sav+s into lifetime  
income2 ,:]eas ! ,c\ncil = ,economic    
,education f\nd t only #af ,/ates       
require t "s sort ( p]sonal f9ance      
education be (f]$ 9 high s*ools & only  
#ae ,/ates require t c\rse = graduation2
 ,:]eas a bi-annual /udy by ! ,jumpt>t  
,coalition = ,p]sonal ,f9ancial ,lit]acy
 f\nd t only #e p]c5t ( high s*ool      
s5iors & only #be p]c5t ( graduat+      
college /ud5ts c be consid]$ f9ancially 
lit]ate2 ,:]eas1 accord+ to a /udy      
conduct$ by ,sallie ,mae1 an increas+   
numb] ( high s*ool s5iors are obta9+    
cr$it c>ds & ! av]age graduat+ college  
/ud5t has a cr$it c>d debt ( #d1ajj2    

,:]eas a longitud9al rese>* /udy by !   
,univ]sity ( ,arizona f\nd t high s*ool 
& college /ud5ts :o h be5 expos$ to     
ongo+ f9ancial education %[ an increase 
9 f9ancial k2 ,:]eas ! ,consum]         
,f9ancial ,protection ,bureau 0 creat$  
to educate consum]s & help !m make      
bett]-in=m$ f9ancial decisions by help+ 
make ! f9ancial m>kets saf] = consum]s1 
increas+ transp>5cy to enable           
individuals to comp>e products & make   
in=m$ decisions & promote policies t    
help consum]s improve _! f9ancial k &   
capability2 ,:]eas ! ,bureau issu$ a    
report 9 #bjac t includ$ a numb] (      
recomm5dations to improve f9ancial      
lit]acy = /ud5ts2 ,:]eas section #cdb ( 
! ,dodd-,frank ,wall ,/reet ,re=m &     
,consum] ,protection ,act directs !     
,f$]al f9ancial regulatory ag5cies to   
p>tn] ) indu/ry organizations & high    
s*ools 9 t>get$ areas to help promote   
f9ancial lit]acy & create indu/ry       
int]n%ips1 summ] employm5t & full-"t    
positions = tal5t$ m9orities & wom52    

,:]eas ! #bjab ,national ,f9ancial      
,capability ,/udy1 develop$ 9           
consultation ) ! ,dep>tm5t ( ! ,treasury
 & ,presid5t ,obama's ,advisory ,c\ncil 
on ,f9ancial ,capability1 updates key   
measures f ! #bjji ,national ,f9ancial  
,capability ,/udy ( ,am]ican adults &   
deep5s ! exploration ( topics t are     
highly relevant today1 includ+ /ud5t    
loans & m$ical debt2 ,:]eas ! ,money z  
,y ,le>n ,initiative1 a coalition (     
non-pr(it & = pr(it organizations1      
tea*]s1 & academics1 provides concrete  
tools = educators to %[ h[ p]sonal      
f9ance c provide appropriate context &  
cont5t = ma!matics & ,engli% language   
arts tea*+2 ,:]eas ! ,f$]al ,res]ve (f]s
 publications 9 ,engli% & ,spani% t     
provide consum]s tips on a broad range (
 topics1 f avoid+ mortgage =eclosure    
scams to manag+ a *eck+ acc\nt2 & ,:]eas
 a /udy entitl$ ,f9ancial ,lit]acy1     
,f9ancial ,education & ,d[n/ream        
,f9ancial ,behaviors1 conduct$ by       
,daniel ,f]n&es1 ,john ,g4 ,lyn*1 ,jr41 

& ,ri*>d ,netemey]1 f\nd t x is be/ to  
provide assi/ance j be=e a decision is  
made 9 :at is kn[n z j-9-"t education3  
,n[1 !re=e1 be x  ,t ! ,h\se (          
,repres5tatives--  7#a7 emphasizes !    
importance ( rais+ aw>5ess ( individual 
f9ancial capability by provid+ relevant 
in=mation1 f9ancial work%ops1 & o!r     
decisionmak+ tools to consum]s ( all    
ages2  7#b7 supports ! ef=ts ( !        
,presid5t's ,advisory ,c\ncil on        
,f9ancial ,lit]acy 9 work+ ) ! public & 
private sectors to increase f9ancial    
education = y\? 9 s*ool & = adults 9 !  
workplace1 to increase access to        
f9ancial s]vices1 to e/abli% measures ( 
national f9ancial lit]acy1 to conduct   
rese>* on f9ancial k1 & to /r5g!n       
f9ancial education programs2  7#c7      
reaffirms ! purposes ( section #cdb ( ! 
,dodd-,frank ,act1 :i* directs ,f$]al   
f9ancial ag5cies & ! entities :i* !y    
regulate to p>tn] ) organizations t are 
focus$ on develop+ opportunities =      
m9orities & wom5 to place tal5t$ "y     

m9orities & wom5 9 indu/ry int]n%ips1   
summ] employm5t1 & full-"t positions2   
7#d7 supports ! ef=ts ( ! ,consum]      
,f9ancial ,protection ,bureau to provide
 consum]s ) relevant in=mation &        
decisionmak+ tools reg>d+ important     
f9ancial decisions2 &  7#e7 urges !     
,secret>y ( ! ,treasury to consult ) !  
,f9ancial ,indu/ry ,regulatory ,au?ority
 & implem5t future national f9ancial    
capability /udies4