,,iv  #aag? ,,congress  #a/ ,session    
,h4 ,,res4 #bhe  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,april #a1 #bjba,mrs4 
,beatty 7= h]self1 ,mr4 ,/iv]s1 & ,ms4  
,titus7 submitt$ ! foll[+ resolution2   
:i* 0 ref]r$ to ! ,committee on         
,ov]sight & ,re=m  ,,resolution         
,support+ ! goals & ideals ( ,f9ancial  
,lit]acy ,mon?4  ,:]eas accord+ to !    
,f$]al ,deposit ,insurance ,corporation 
7ref]r$ h]e9aft] z ! ,,fdic71 at lea/   
#be4b p]c5t ( h\seholds 9 ! ,unit$      
,/ates1 or ne>ly #cb1fjj1jjj h\seholds )
 approximately #fc1jjj1jjj adults1 are  
unbank$ or und]bank$ & !re=e h n _h an  
opportunity to access sav+s1 l5d+1 & o!r
 basic f9ancial s]vices2 ,:]eas accord+ 
to ! #bjah ,consum] ,f9ancial ,lit]acy  
,survey f9al report ( ! ,national       
,f\ndation = ,cr$it ,c\nsel+-- 7#a7 only
 #da p]c5t ( adults 9 ! ,unit$ ,/ates h 
a budget2  7#b7 #gi p]c5t ( adults 9 !  
,unit$ ,/ates ackn[l$g$ t !y c\ld b5efit
 f additional advice & answ]s to ev]yday
 f9ancial que/ions f a pr(essional2     

7#c7 #a 9 #d adults 9 ! ,unit$ ,/ates   
admitt$ !y d n pay all _! bills on "t2 &
  7#d7 #fa p]c5t ( adults h _h cr$it c>d
 debt 9 ! pa/ #ab mon?s & mo/ h done    
no?+ to obta9 a l[] int]e/ rate = _!    
cr$it c>d debt2 ,:]eas ! ,report on !   
,economic ,well-,be+ ( ,u4,s4 h\seholds 
by ! ,f$]al ,res]ve ,bank ( ,new ,york  
f\nd t #dj p]c5t ( adults c\ld n cov] a 
#djj em]g5cy exp5se )\t borr[+ or sell+ 
some?+ ( value2 ,:]eas accord+ to !     
/ati/ical release ( ! ,bo>d ( ,gov]nors 
( ! ,f$]al ,res]ve ,sy/em = ! f\r? qu>t]
 ( #bjah entitl$ ,f9ancial ,acc\nts ( ! 
,unit$ ,/ates3 ,fl[ ( ,funds1 ,balance  
,%eets1 & ,integrat$ ,macroeconomic     
,acc\nts1 out/&+ h\sehold debt 9 !      
,unit$ ,/ates 0 #ae4f trillion2 ,:]eas  
accord+ to ! #bjah ,survey ( ! ,/ates3  
,economic & ,p]sonal ,f9ance ,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 #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 ,:]eas accord+ to ! 
,gallup-,,hope ,index1 only #eb 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 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-- 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 !     
,h\se ( ,repres5tatives-- 7#a7 supports 
! goals & ideals ( ,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