,,iv  #aaf? ,,congress  #a/ ,session    
,h4 ,,res4 #cbg  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,april #be1 #bjai,mr4 
,fo/] 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    
budget+1 f9ancial plann+1 weal?         
accumulation1 high] education loans1    
#ebi sav+s plans1 manag+ cr$it c>ds1 &  
manag+ o!r debt2 ,:]eas (t5 "y p are    
ill-equipp$ 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 ,:]eas1 accord+  
to ! report ( ! ,girl ,sc\t ,rese>*     
,in/itute entitl$ ,hav+ x ,all3 ,girls &
 ,f9ancial ,lit]acy1 only #ab p]c5t (   
girls feel v confid5t ab\t mak+ f9ancial
 decisions2 ,:]eas ! move away f        

traditional p5sions & t[>d def9$        
contribution plans requires m f9ancial  
education1 s work]s ne$ to be equipp$ ) 
! f9ancial aptitude to n only save &    
accumulate assets1 b also to turn ^?    
assets into lifetime income2 ,:]eas !   
,c\ncil = ,economic ,education f\nd t   
only #bb ,/ates require high s*ools to  
(f] "s type ( p]sonal f9ance c\rse &    
only #ag ,/ates require t c\rse = high  
s*ool graduation2 ,:]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 !   
#bjae ,national ,f9ancial ,capability   
,/udy1 develop$ 9 consultation ) !      
,dep>tm5t ( ! ,treasury & ,presid5t'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$ical debt2 ,:]eas ! ,f$]al ,res]ve    

,sy/em (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 conduct$ by       
,daniel ,f]n&es1 ,john ,g4 ,lyn*1 ,jr41 
& ,ri*>d ,netemey] entitl$ ,f9ancial    
,lit]acy1 ,f9ancial ,education &        
,d[n/ream ,f9ancial ,behaviors 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 
education2 & ,:]eas1 on ,septemb] #f1   
#bjah1 ! ,u4,s4 ,h\se ( ,repres5tatives 
pass$1 by a vote ( #djf to #d1 ,h4,r4   
#afce1 ! ,emp[]+ ,/ud5ts ,?r\gh ,enhance
 ,f9ancial ,c\nsel+ ,act1 :i* helps     
improve f9ancial aid c\nsel+ = /ud5ts   
receiv+ a ,pell ,grant or a ,f$]al loan3
 ,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     
decision-mak+ tools to consum]s ( all   
ages2  7#b7 supports ! ef=ts ( ,f$]al   

f9ancial ag5cies 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#c7 supports !     
ef=ts ( ! ,f$]al f9ancial ag5cies to    
provide consum]s ) relevant in=mation & 
decision-mak+ tools reg>d+ important    
f9ancial decisions2 &  7#d7 urges !     
,dep>tm5t ( ! ,treasury to consult ) !  
,f9ancial ,indu/ry ,regulatory ,au?ority
 & implem5t future national f9ancial    
capability /udies4