,,iii  #aac? ,,congress  #b;d ,session  
,s4 ,,res4 #dbc  ,,9 ,,! ,,s5ate ,,( ,,!
 ,,unit$ ,,/ates  ,april #aa1 #bjad ,mr4
 ,re$ 7= himself1 ,mr4 ,enzi1 ,mrs4     
,murray1 ,mr4 ,b>rasso1 ,mr4 ,coons1    
,mr4 ,crapo1 ,mr4 ,durb91 ,mr4 ,blunt1  
,ms4 ,heitkamp1 ,mr4 ,wick]1 ,mr4       
,m]kley1 ,mr4 ,co*ran1 ,mr4 ,w>n]1 ,mr4 
,begi*1 ,mr4 ,c>p]1 ,mr4 ,k+1 ,mrs4     
,hagan1 ,mr4 ,johnson ( ,wiscons91 &    
,mr4 ,c>d97 submitt$ ! foll[+           
resolution2 :i* 0 consid]$ & agre$ to   
,,resolution  ,designat+ ,april #bjad z 
,f9ancial ,lit]acy ,mon?4  ,:]eas       
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  ,:]eas accord+ to !  
,,fdic1 approximately #cj p]c5t ( banks 
report$ 9 #bjaa t consum]s lack$ und]/&+

 ( ! f9ancial products & s]vices banks  
(f]$2  ,:]eas accord+ to ! #bjac        
,consum] ,f9ancial ,lit]acy ,survey     
,f9al ,report ( ! ,national ,f\ndation =
 ,cr$it ,c\nsel+--  7#a7 approximately  
#dj p]c5t ( adults 9 ! ,unit$ ,/ates    
gave !mselves a grade ( ,c1 ,d1 or ,f on
 _! k ( p]sonal f9ance1 & #gh p]c5t (   
adults ackn[l$g$ t !y c\ld b5efit f     
additional advice & answ]s to ev]yday   
f9ancial que/ions f a pr(essional2  7#b7
 #bf p]c5t ( adults 9 ! ,unit$ ,/ates1  
or approximately #fa1jjj1jjj            
individuals1 admitt$ to n pay+ _! bills 
on "t2  7#c7 only #dj p]c5t ( adults 9 !
 ,unit$ ,/ates report$ keep+ close track
 ( _! sp5d+1 a p]c5tage t has held /eady
 s9ce #bjjg2 &  7#d7 m ?an #dj p]c5t (  
adults 9 ! ,unit$ ,/ates1 or ov]        
#ajj1jjj1jjj individuals1 said n hav+   
en\gh ra9y day sav+s = an em]g5cy is _! 
greate/ f9ancial conc]n1 :ile a slightly
 l[] p]c5tage said t _! greate/ f9ancial
 conc]n is n hav+ en\gh money set aside 
= retirem5t2  ,:]eas ! #bjac ,retirem5t 

,confid5ce ,survey conduct$ by !        
,employee ,b5efit ,rese>* ,in/itute f\nd
 t only #ac 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 #bjjg1 :ile approximately #ed
 p]c5t ( work]s say !y or _! sp\ses h n 
calculat$ ! am\nt ( money !y ne$ to save
 = retirem5t2 ,:]eas accord+ to a #bjad 
,fl[ ( ,funds report by ! ,bo>d (       
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1    
out/&+ h\sehold debt 9 ! ,unit$ ,/ates 0
 #ac1ajj1jjj1jjj1jjj at ! end ( ! f\r?  
qu>t] ( #bjac2  ,:]eas accord+ to !     
#bjad ,survey ( ! ,/ates3 ,economic &   
,p]sonal ,f9ance ,education 9 ,our      
,nation's ,s*ools1 a bi5nial report by !
 ,c\ncil = ,economic ,education--  7#a7 
only #bd ,/ates require /ud5ts to take  
an economics c\rse z a high s*ool       
graduation requirem5t2  7#b7 only #bb   
,/ates require te/+ /ud5t k ( economics2
 &  7#c7 only #ag ,/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  
,:]eas accord+ to ! ,gallup-,op]ation   
,,hope ,f9ancial ,lit]acy ,index1 only  
#eb4c p]c5t ( /ud5ts 9 ! ,unit$ ,/ates h
 money 9 a bank or cr$it union acc\nt2  
,:]eas exp&+ access to ! safe1 ma9/ream 
f9ancial sy/em w provide individuals )  
less exp5sive & m secure options =      
manag+ f9ances & build+ weal?2  ,:]eas  
quality p]sonal f9ancial education is   
ess5tial to ensure t individuals are    
prep>$ 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      
,:]eas 9 #bjjc1 ,congress det]m9$ t     
coord9at+ ,f$]al f9ancial lit]acy ef=ts 

& =mulat+ a national /rategy is         
important2 &  ,:]eas 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 #bjad 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