,i  #aag? ,,congress  #b;d ,session  ,h4
 ,r4 #hhhj  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #ai1        
#bjbb,ms4 ,g>cia ( ,texas 7= h]self &   
,mr4 ,gre5 ( ,texas7 introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices1 & 9 addition to !   
,committee on ,education & ,labor1 = a  
p]iod to be subsequ5tly det]m9$ by !    
,speak]1 9 ea* case = consid]ation ( su*
 provisions z fall )9 ! jurisdiction ( !
 committee conc]n$  ,a ,,bill  ,to      
require ! ,f9ancial ,lit]acy &          
,education ,commission to c>ry out a    
/udy on ! impact ( language b>ri]s to   
f9ancial heal?1 to require ! website &  
toll-free telephone numb] ( !           
,commission to be provid$ 9 ! mo/       
commonly spok5 languages 9 ! ,unit$     
,/ates1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z !         
,multil+ual ,f9ancial ,lit]acy ,act4    
#b4 ,/udy on ! impact ( language b>ri]s 
to f9ancial heal?  7a7 ,/udy ,!         
,f9ancial ,lit]acy & ,education         

,commission %all c>ry out a /udy on !   
impact ( language b>ri]s to f9ancial    
heal?1 includ+ access to f9ancial       
lit]acy education & tra9+1 cr$it score  
outcomes1 ! co/ ( cr$it1 & homebuy+     
across gr\ps ) limit$ ,engli% pr(ici5cy4
  7b7 ,consultation ,9 c>ry+ out ! /udy 
requir$ "u subsection 7a71 ! ,f9ancial  
,lit]acy & ,education ,commission %all  
consult ) e ag5cy repres5t$ on !        
,commission4  7c7 ,report ,n lat] ?an ! 
end ( ! #f-mon? p]iod beg9n+ on ! date (
 enactm5t ( ?is ,act1 ! ,f9ancial       
,lit]acy & ,education ,commission %all  
issue a report to ! ,committee on       
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate-- 7#a7 conta9+ all f9d+s &       
det]m9ations made 9 c>ry+ out ! /udy    
requir$ "u subsection 7a72 &  7#b7      
analyz+ ! ne$ = language accessibility  
across ! f9ancial s]vices indu/ry1      
includ+ an id5tification ( any indu/ries
 9 :i* in=mation is provid$ solely 9 "o 

language1 highlight+ any products1      
s]vices1 or o!r f9ancial (f]+s )        
in=mation :i* is limit$ 9 _!            
availability beyond ,engli%4  #c4       
,language access to ,commission website 
& toll-free telephone numb]  7a7 ,9     
g5]al ,section #ead ( ! ,f9ancial       
,lit]acy & ,education ,improvem5t ,act  
7#bj ,u4,s4,c4 #igjc7 is am5d$-- 7#a7 9 
subsection 7b77#b7-- 7,a7 9 subp>agraph 
7,d71 by /rik+ & at ! end2  7,b7 9      
subp>agraph 7,e71 by /rik+ ! p]iod at ! 
end & ins]t+ 2 &2  7,c7 by add+ at ! end
 ! foll[+3  7,f7 be provid$ 9 at lea/ #h
 ( ! mo/ commonly spok5 languages 9 !   
,unit$ ,/ates1 z det]m9$ by ! ,bureau ( 
! ,c5sus4  2 &  7,d7 by add+ at ! end ! 
foll[+3  7#c7 ,in=mation on language    
res\rces f ,f$]al ag5cies ,! website    
e/abli%$ "u p>agraph 7#a7 %all conta9 a 
sep>ate website t provides-- 7,a7       
in=mation on :i* ,f$]al ag5cies provide 
f9ancial lit]acy & education res\rces 9 
languages o!r ?an ,engli%1 includ+ :i*  
res\rces are available 9 :i* languages2 

&  7,b7 guidance on :]e individuals c   
f9d ,f$]al ag5cy res\rces 9 a p>ticul>  
language = v>i\s topic areas4  7#d7     
,translation s]vices provid$ by !       
,dep>tm5t ( ! ,treasury ,! ,secret>y ( !
 ,treasury %all provide ! translation   
s]vices necess>y to comply ) ! language 
requirem5t "u p>agraph 7#b77;,f74  2    
7#b7 9 subsection 7c71 by add+ at ! end 
! foll[+3 ,! toll-free telephone numb]  
%all provide v]bal assi/ance to memb]s (
 ! public 9 ea* ( ! #h mo/ commonly     
spok5 languages 9 ! ,unit$ ,/ates1 z    
det]m9$ by ! ,bureau ( ! ,c5sus4 ,!     
,secret>y ( ! ,treasury %all provide !  
/aff necess>y to comply ) su* language  
requirem5t42 &  7#c7 by add+ at ! end ! 
foll[+3  7j7 ,language access to ,f$]al 
ag5cy in=mation ,! ,commission %all     
coord9ate & promote ef=ts ( ,f$]al      
ag5cies to make all f9ancial lit]acy &  
education res\rces ( ,f$]al ag5cies     
available 9 ea* ( ! #h mo/ commonly     
spok5 languages 9 ! ,unit$ ,/ates1 z    
det]m9$ by ! ,bureau ( ! ,c5sus4  4  7b7

 ,application ,! provisions ( law add$  
by ?is section %all apply aft] ! end ( !
 #a-ye> p]iod beg9n+ on ! date (        
enactm5t ( ?is ,act4  #d4 ,policy       
recomm5dations ,n lat] ?an ! end ( !    
#ab-mon? p]iod beg9n+ on ! date (       
enactm5t ( ?is ,act1 ! ,f9ancial        
,lit]acy & ,education ,commission %all  
issue a report to ! ,committee on       
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate conta9+-- 7#a7 legislative &     
regulatory recomm5dations on h[ to      
address b>ri]s to f9ancial inclusion    
caus$ by language b>ri]s1 includ+       
f9ancial lit]acy education & tra9+ & !  
role t em]g+ te*nology & f9ancial       
products play 9 help+ or h>m+           
communities ) limit$ ,engli% pr(ici5cy2 
7#b7 a summ>y (-- 7,a7 ! actions tak5 by
 ! ,commission to implem5t ! am5dm5ts   
made by section #c2 &  7,b7 any actions 
tak5 by individual ,f$]al ag5cies t are 
memb]s ( ! ,commission to make f9ancial 

lit]acy & education res\rces ( ! ag5cy  
available to ! public 9 ea* ( ! #h mo/  
commonly spok5 languages 9 ! ,unit$     
,/ates1 z det]m9$ by ! ,bureau ( !      
,c5sus2 &  7#c7 an e/imate ( ! co/      
ne$$-- 7,a7 to implem5t ! am5dm5ts made 
by section #c2 &  7,b7 = ea* ,f$]al     
ag5cy t is a memb] ( ! ,commission to   
make f9ancial lit]acy & education       
res\rces ( ! ag5cy available to ! public
 9 ea* ( ! #h mo/ commonly spok5        
languages 9 ! ,unit$ ,/ates1 z det]m9$  
by ! ,bureau ( ! ,c5sus4  #e4 ,annual   
report on f9ancial lit]acy ,section     
#ead7;h77#b7 ( ! ,f9ancial ,lit]acy &   
,education ,improvem5t ,act 7#bj        
,u4,s4,c4 #igjc7;h77#b77 is am5d$-- 7#a7
 9 subp>agraph 7,i71 by /rik+ & at !    
end2  7#b7 by r$esignat+ subp>agraph    
7,j7 z subp>agraph 7,o72 &  7#c7 by     
ins]t+ aft] subp>agraph 7,i7 ! foll[+3  
7,j7 a summ>y ( ! ,commission's ef=ts   
ov] ! previ\s ye> to increase f9ancial  
lit]acy across all memb] ag5cies ( !    
,commission2  7,k7 an analysis ( :]e !re

 are f9ancial lit]acy ne$s across       
diff]5t gr\ps1 includ+ in=mation by age 
gr\p1 socioeconomic /atus1 race1        
e?nicity1 & language pref]5ce2  7,l7 an 
analysis ( limit$ access to cr$it &     
disp>ate cr$it scor+ across diff]5t     
gr\ps1 includ+ in=mation by age gr\p1   
g5d]1 sexual ori5tation1 socioeconomic  
/atus1 race1 e?nicity1 & language       
pref]5ce2  7,m7 an explanation ( h[ a   
lack ( f9ancial lit]acy1 sy/emic b>ri]s1
 & o!r ob/acles result 9 a weal? gap    
across diff]5t gr\ps1 includ+ in=mation 
by age gr\p1 g5d]1 sexual ori5tation1   
socioeconomic /atus1 race1 e?nicity1 &  
language pref]5ce2  7,n7 proposals &    
pot5tial policy solutions = address+    
b>ri]s to f9ancial lit]acy1 disp>ate    
cr$it scor+1 & ! weal? gap2 &  4