,,iii  #aac? ,,congress  #a/ ,session   
,s4 ,,res4 #aje  ,,9 ,,! ,,s5ate ,,( ,,!
 ,,unit$ ,,/ates  ,april #bc1 #bjac ,mr4
 ,re$ 7= himself1 ,mr4 ,enzi1 ,mr4      
,m]kley1 ,mr4 ,crapo1 ,mr4 ,johnson (   
,s\? ,dakota1 ,mr4 ,b>rasso1 ,mrs4      
,murray1 ,mr4 ,co*ran1 ,mr4 ,c>d91 ,mr4 
,wick]1 ,mrs4 ,hagan1 ,mr4 ,blunt1 ,mr4 
,durb91 ,ms4 ,w>r51 ,mr4 ,frank51 ,mr4  
,coons1 ,mr4 ,baucus1 ,mr4 ,johnson (   
,wiscons91 ,mr4 ,br[n1 ,mr4 ,laut5b]g1  
,mr4 ,w>n]1 & ,ms4 ,l&rieu7 submitt$ !  
foll[+ resolution2 :i* 0 consid]$ &     
agre$ to  ,,resolution  ,designat+      
,april #bjac z ,f9ancial ,lit]acy ,mon?4
  ,:]eas1 accord+ to ! ,f$]al ,deposit  
,insurance ,corporation 7ref]r$ to 9 ?is
 preamble z ! ,,fdic71 at lea/ #bh4c    
p]c5t ( h\seholds 9 ! ,unit$ ,/ates1 or 
ne>ly #cd1jjj1jjj h\seholds )           
approximately #fg1hhh1jjj adults1 are   
unbank$ or und]bank$ & !re=e h n _h !   
opportunity to access sav+s1 l5d+1 & o!r
 basic f9ancial s]vices2 ,:]eas1 accord+
 to ! ,,fdic1 approximately #cj p]c5t ( 

banks report$ 9 #bjaa t consum]s lack$  
und]/&+ ( ! f9ancial products & s]vices 
banks (f]$2 ,:]eas1 accord+ to ! #bjab  
,consum] ,f9ancial ,lit]acy ,survey     
,f9al ,report ( ! ,national ,f\ndation =
 ,cr$it ,c\nsel+--  7#a7 approximately  
#db p]c5t (1 or ne>ly #ih1jjj1jjj1      
adults 9 ! ,unit$ ,/ates gave !mselves a
 grade ( ,c1 ,d1 or ,f on _! k ( p]sonal
 f9ance1 & #d out ( e #e adults admitt$ 
t !y c\ld b5efit f additional advice &  
answ]s to ev]yday f9ancial que/ions f a 
pr(essional2  7#b7 ! numb] ( adults 9 ! 
,unit$ ,/ates :o admit to n pay+ _!     
bills on "t has increas$ f #bh p]c5t 9  
#bjaa to #cc p]c5t1 or ne>ly            
#gg1jjj1jjj1 9 #bjab2  7#c7 only #dc    
p]c5t ( adults 9 ! ,unit$ ,/ates keep   
close track ( _! sp5d+1 & m ?an         
#ac1jjj1jjj adults d n "k h[ mu* !y sp5d
 on food1 h\s+1 & ent]ta9m5t1 & d n     
monitor _! ov]all sp5d+2 &  7#d7 #b out 
( e #e adults 9 ! ,unit$ ,/ates1 or m   
?an #ic1jjj1jjj1 are sav+ less ?an !y   
did 9 #bjaa1 & approximately #ci p]c5t (

 adults report t !y h no non-retirem5t  
sav+s2  ,:]eas ! #bjab ,retirem5t       
,confid5ce ,survey conduct$ by !        
,employee ,b5efit ,rese>* ,in/itute f\nd
 t--  7#a7 only #ad p]c5t ( work]s 7 v  
confid5t ab\t hav+ en\gh money = a      
com=table retirem5t1 :i* is a %>p decl9e
 9 work] confid5ce f ! #bg p]c5t (      
work]s :o 7 v confid5t 9 #bjjg2 &  7#b7 
approximately #ef p]c5t ( work]s say !y 
or _! sp\ses h n calculat$ ! am\nt (    
money !y ne$ to save = retirem5t2       
,:]eas1 accord+ to a #bjab ,fl[ ( ,funds
 report by ! ,bo>d ( ,gov]nors ( !      
,f$]al ,res]ve ,sy/em1 aggregate        
h\sehold debt 9 ! ,unit$ ,/ates 0       
#ab1hjj1jjj1jjj at ! end ( ! f\r? qu>t] 
( #bjab2 ,:]eas1 accord+ to ! ,survey ( 
! ,/ates #bjaa3 ,economic1 ,p]sonal     
,f9ance1 & ,entrepr5eur%ip ,education 9 
,our ,nation's ,s*ools1 a bi5nial report
 by ! ,c\ncil = ,economic ,education--  
7#a7 only #bb ,/ates require /ud5ts to  
take an economics c\rse z a high s*ool  
graduation requirem5t2  7#b7 only #af   

,/ates require te/+ /ud5t k ( economics2
 &  7#c7 only #ab ,/ates require /ud5ts 
to take a p]sonal f9ance c\rse ei!r     
indep5d5tly or z "p ( an economics c\rse
 z a high s*ool graduation requirem5t2  
,:]eas1 accord+ to ! ,gallup-,op]ation  
,,hope ,f9ancial ,lit]acy ,index1 only  
#ed p]c5t ( /ud5ts 9 ! ,unit$ ,/ates h  
money 9 a bank or cr$it union acc\nt2   
,:]eas exp&+ access to ! ma9/ream       
f9ancial sy/em w provide individuals )  
less exp5sive & m secure options =      
manag+ f9ances & build+ weal?2 ,:]eas   
quality p]sonal f9ancial education is   
ess5tial to ensure t individuals are    
prep>$ to manage money1 cr$it1 & debt1 &
 to become responsible work]s1 heads (  
h\sehold1 inve/ors1 entrepr5eurs1       
bus9ess lead]s1 & citiz5s2 ,:]eas       
increas$ f9ancial lit]acy emp[]s        
individuals to make wise f9ancial       
decisions & r$uces ! confusion caus$ by 
an increas+ly complex economy2 ,:]eas a 
great] und]/&+ (1 & famili>ity )1       
f9ancial m>kets & in/itutions w lead to 

increas$ economic activity & gr[?2      
,:]eas1 9 #bjjc1 ,congress det]m9$ t    
coord9at+ ,f$]al f9ancial lit]acy ef=ts 
& =mulat+ a national /rategy is         
important2 & ,:]eas1 9 light ( t        
det]m9ation1 ,congress pass$ ! ,f9ancial
 ,lit]acy & ,education ,improvem5t ,act 
7#bj ,u4,s4,c4 #igja et seq471 e/abli%+ 
! ,f9ancial ,lit]acy & ,education       
,commission3 ,n[1 !re=e1 be x  ,t !     
,s5ate--  7#a7 designates ,april #bjac z
 ,f9ancial ,lit]acy ,mon? to raise      
public aw>5ess ab\t--  7,a7 ! importance
 ( p]sonal f9ancial education 9 ! ,unit$
 ,/ates2 &  7,b7 ! s]i\s consequ5ces t  
may result f a lack ( und]/&+ ab\t      
p]sonal f9ances2 &  7#b7 calls on !     
,f$]al ,gov]nm5t1 ,/ates1 localities1   
s*ools1 nonpr(it organizations1         
bus9esses1 & ! p ( ! ,unit$ ,/ates to   
obs]ve ,f9ancial ,lit]acy ,mon? )       
appropriate programs & activities4