,,iii  #aag? ,,congress  #a/ ,session   
,s4 ,,res4 #agg  ,,9 ,,! ,,s5ate ,,( ,,!
 ,,unit$ ,,/ates  ,april #bb1 #bjba,mr4 
,re$ 7= himself1 ,mr4 ,scott ( ,s\?     
,c>ol9a1 ,mr4 ,:iteh\se1 ,mrs4          
,blackburn1 ,mr4 ,durb91 ,mr4 ,cassidy1 
,ms4 ,hassan1 ,ms4 ,ern/1 ,mr4 ,wick]1  
,mr4 ,coons1 ,mr4 ,b>rasso1 ,mr4 ,crapo1
 ,mr4 ,tillis1 ,mrs4 ,murray1 ,mr4      
,m>%all1 ,mr4 ,"y1 ,mr4 ,c>d91 ,mr4     
,man*91 ,mr4 ,braun1 ,mr4 ,da9es1 ,ms4  
,ros51 ,mr4 ,boozman1 ,ms4 ,lummis1 &   
,mr4 ,pet]s7 submitt$ ! foll[+          
resolution2 :i* 0 consid]$ & agre$ to   
,,resolution  ,designat+ ,april #bjba z 
,f9ancial ,lit]acy ,mon?4  ,:]eas1      
accord+ to ! #bjai report entitl$       
,economic ,well-,be+ ( ,u4,s4 ,h\seholds
 by ! ,bo>d ( ,gov]nors ( ! ,f$]al      
,res]ve ,sy/em1 #cg p]c5t ( adults 9 !  
,unit$ ,/ates _c cov] an unexpect$      
exp5se ( #djj2 ,:]eas1 accord+ to !     
#bjai report entitl$ 8,h[ ,am]ica       
,banks3 ,h\sehold ,use ( ,bank+ &       
,f9ancial ,s]vices0 by ! ,f$]al ,deposit

 ,insurance ,corporation1 approximately 
#e4d p]c5t ( h\seholds 9 ! ,unit$ ,/ates
 are unbank$ &1 !re=e1 h limit$ or no   
access to sav+s1 l5d+1 & o!r basic      
f9ancial s]vices2 ,:]eas1 accord+ to !  
#bjbj ,consum] ,f9ancial ,lit]acy       
,survey f9al report ( ! ,national       
,f\ndation = ,cr$it ,c\nsel+ t 0        
conduct$ prior to ,,covid-#ai lockd[ns--
 7#a7 a majority 7#fb p]c5t7 ( adults 9 
! ,unit$ ,/ates _h cr$it c>d debt dur+ !
 #a-ye> p]iod end+ on ! date (          
publication ( ! report2  7#b7 ov] #b_/e 
7#dc p]c5t7 ( adults 9 ! ,unit$ ,/ates  
c>ry cr$it c>d debt f mon? to mon?2 &   
7#c7 approximately #dg p]c5t ( adults 9 
! ,unit$ ,/ates ma9ta9 a budget2 ,:]eas1
 accord+ to ! /ati/ical release ( !     
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em = ! f\r? qu>t] ( #bjbj entitl$   
,h\sehold ,debt & ,cr$it-- 7#a7 out/&+  
h\sehold debt 9 ! ,unit$ ,/ates has be5 
increas+ /eadily s9ce #bjac & 0         
#dad1jjj1jjj1jjj high] ?an at ! end (   
#bjai2 &  7#b7 out/&+ /ud5t loan        

balances h m ?an d\bl$ 9 ! la/ decade to
 approximately #a1efj1jjj1jjj1jjj2      
,:]eas1 accord+ to ! #bjbj report       
entitl$ ,survey ( ! ,/ates3 ,economic & 
,p]sonal ,f9ance ,education 9 ,our      
,nation's ,s*ools1 by ! ,c\ncil =       
,economic ,education-- 7#a7 only #be    
,/ates require /ud5ts to take an        
economics c\rse z a high s*ool          
graduation requirem5t2 &  7#b7 only #ba 
,/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 9 #bjaf 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  
#bjba 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