,,iii  #aaf? ,,congress  #a/ ,session   
,s4 ,,res4 #afh  ,,9 ,,! ,,s5ate ,,( ,,!
 ,,unit$ ,,/ates  ,april #aa1 #bjai ,mr4
 ,re$ 7= himself1 ,mr4 ,scott ( ,s\?    
,c>ol9a1 ,mr4 ,jones1 ,mr4 ,b>rasso1    
,mr4 ,book]1 ,mr4 ,boozman1 ,mr4 ,braun1
 ,ms4 ,cantwell1 ,mrs4 ,capito1 ,mr4    
,c>d91 ,mr4 ,c>p]1 ,mr4 ,cassidy1 ,mr4  
,coons1 ,mr4 ,cram]1 ,mr4 ,crapo1 ,mr4  
,durb91 ,mr4 ,enzi1 ,ms4 ,ern/1 ,mrs4   
,fe9/e91 ,ms4 ,hassan1 ,mrs4            
,hyde-,smi?1 ,mr4 ,man*91 ,mr4 ,m55dez1 
,mrs4 ,murray1 ,mr4 ,pet]s1 ,mr4        
,rob]ts1 ,ms4 ,ros51 ,mr4 ,te/]1 ,mr4   
,tillis1 ,mr4 ,:iteh\se1 ,mr4 ,wick]1   
,mr4 ,"y1 & ,mr4 ,p]due7 submitt$ !     
foll[+ resolution2 :i* 0 consid]$ &     
agre$ to  ,,resolution  ,designat+      
,april #bjai z ,f9ancial ,lit]acy ,mon?4
  ,:]eas1 accord+ to ! report entitl$   
,economic ,well-,be+ ( ,u4,s4 ,h\seholds
 by ! ,bo>d ( ,gov]nors ( ! ,f$]al      
,res]ve ,sy/em1 #dj p]c5t ( adults 9 !  
,unit$ ,/ates _c cov] an unexpect$      
exp5se ( #djj2 ,:]eas1 accord+ to !     

report entitl$ #bjag ,national ,survey (
 ,unbank$ & ,und]bank$ ,h\seholds by !  
,f$]al ,deposit ,insurance ,corporation1
 approximately #be p]c5t ( h\seholds 9 !
 ,unit$ ,/ates are unbank$ or und]bank$ 
& !re=e h limit$ or no access to sav+s1 
l5d+1 & o!r basic f9ancial s]vices2     
,:]eas1 accord+ to ! #bjah ,consum]     
,f9ancial ,lit]acy ,survey f9al report (
 ! ,national ,f\ndation = ,cr$it        
,c\nsel+--  7#a7 a majority 7#fa p]c5t7 
( adults 9 ! ,unit$ ,/ates _h cr$it c>d 
debt dur+ ! #a-ye> p]iod end+ on ! date 
( publication ( ! report2  7#b7 ne>ly   
#b_/e 7#ch p]c5t7 ( adults 9 ! ,unit$   
,/ates c>ry cr$it c>d debt f mon? to    
mon?2 &  7#c7 approximately #da p]c5t ( 
adults 9 ! ,unit$ ,/ates ma9ta9 a       
budget2  ,:]eas1 accord+ to ! /ati/ical 
release ( ! ,bo>d ( ,gov]nors ( ! ,f$]al
 ,res]ve ,sy/em = ! f\r? qu>t] ( #bjah  
entitl$ ,h\sehold ,debt & ,cr$it--  7#a7
 out/&+ h\sehold debt 9 ! ,unit$ ,/ates 
0 #hfi1jjj1jjj1jjj high] ?an ! previ\s  
peak ( #ab1fhj1jjj1jjj1jjj 9 ! ?ird     

qu>t] ( #bjjh2 &  7#b7 out/&+ /ud5t loan
 balances h m ?an d\bl$ 9 ! la/ decade  
to approximately #a1ejj1jjj1jjj1jjj2    
,:]eas1 accord+ to ! #bjah report       
entitl$ ,survey ( ! ,/ates3 ,economic & 
,p]sonal ,f9ance ,education 9 ,our      
,nation's ,s*ools1 ! mo/ rec5t bi5nial  
report ( t "n 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 #ag ,/ates     
require /ud5ts to take a p]sonal f9ance 
c\rse z a high s*ool graduation         
requirem5t1 ei!r indep5d5tly or z "p (  
an economics c\rse2  ,:]eas1 accord+ to 
! ,gallup-,,hope ,index1 only #eg p]c5t 
( /ud5ts 9 ! ,unit$ ,/ates h money 9 a  
bank or cr$it union acc\nt2 ,:]eas exp&+
 access to ! safe1 ma9/ream f9ancial    
sy/em w provide individuals ) less      
exp5sive & m secure options = manag+    
f9ances & build+ weal?2 ,:]eas quality  
p]sonal f9ancial education is ess5tial  
to ensure t individuals are prep>$--    

7#a7 to manage money1 cr$it1 & debt2 &  
7#b7 to become responsible work]s1 heads
 ( h\sehold1 inve/ors1 entrepr5eurs1    
bus9ess lead]s1 & citiz5s2  ,:]eas      
increas$ f9ancial lit]acy-- 7#a7 emp[]s 
individuals to make wise f9ancial       
decisions2 &  7#b7 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-- 7#a7       
det]m9$ t coord9at+ ,f$]al f9ancial     
lit]acy ef=ts & =mulat+ a national      
/rategy is important2 &  7#b7 9 light ( 
t det]m9ation1 pass$ ! ,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 #bjai 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