,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #habf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #bc1 #bjbd,mr4 
,valadao 7= himself & ,mr4 ,nickel7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices1 & 9
 addition to ! ,committee on ,education 
& ! ,work=ce1 = 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 am5d ! ,f9ancial
 ,lit]acy & ,education ,improvem5t ,act 
to include second>y s*ools 9 be/        
practices = tea*+ f9ancial lit]acy1 & = 
o!r purposes4  #a4 ,inclusion ( local   
educational ag5cies & s*ools 9 be/      
practices = tea*+ f9ancial lit]acy      
,section #ead7;a77#c7 ( ! ,f9ancial     
,lit]acy & ,education ,improvem5t ,act  
7#bj ,u4,s4,c4 #igjc7;a77#c77 is am5d$--
 7#a7 9 subp>agraph 7,a7-- 7,a7 9 !     
matt] prec$+ clause 7i7-- 7i7 by ins]t+ 
& second>y s*ools aft] ( in/itutions (  
high] education2  7ii7 by /rik+ ,may    

#bd1 #bjah & ins]t+ ,janu>y #a1 #bjbd2 &
  7iii7 by ins]t+ & second>y s*ools aft]
 = in/itutions ( high] education2 &     
7,b7 9 clause 7ii71 by /rik+ at         
in/itutions ( high] education :5 &      
ins]t+ 92  7#b7 by /rik+ subp>agraph    
7,b7 & ins]t+ ! foll[+3  7,b7 ,be/      
practices  7i7 ,! be/ practices describ$
 9 subp>agraph 7,a71 z applicable to    
in/itutions ( high] education1 %all     
include-- 7,i7 me?ods to ensure t ea*   
/ud5t has a cle> s5se ( ! /ud5t's total 
borr[+ obligations1 includ+ mon?ly      
paym5ts1 & repaym5t options2  7,,ii7 !  
mo/ effective ways to engage /ud5ts 9   
f9ancial lit]acy education1 includ+     
frequ5cy & tim+ ( communication )       
/ud5ts2  7,,iii7 in=mation on h[ to     
t>get diff]5t /ud5t populations1 includ+
 "p-"t /ud5ts1 fir/-"t /ud5ts1 & o!r    
nontraditional /ud5ts2 &  7,,iv7 ways to
 cle>ly communicate ! importance (      
graduat+ on a /ud5t's ability to repay  
/ud5t loans4  7ii7 ,! be/ practices     
describ$ 9 subp>agraph 7,a71 z          

applicable to second>y s*ools1 %all     
include-- 7,i7 me?ods to create a       
budget1 track exp5ses1 & save = %ort-t]m
 & long-t]m f9ancial objectives2  7,,ii7
 effective ways to save & inve/ money1  
includ+ by introduc+ /ud5ts to diff]5t  
f9ancial securities2  7,,iii7 in=mation 
on ! fundam5tals ( cr$it1 includ+ a     
description & effects ( cr$it scores1 & 
! importance ( responsible cr$it c>d    
usage2  7,,iv7 critical ?9k+ skills to  
evaluate f9ancial products1 make in=m$  
decisions1 & avoid f9ancial scams2 &    
7,v7 me?ods to ensure t ea* /ud5t has a 
cle> und]/&+ ( po/second>y education    
f9anc+ options1 includ+ /ud5t loan      
borr[+1 9 prep>ation = enrollm5t at an  
in/itution ( high] education4  2 &  7#c7
 9 subp>agraph 7,d71 by ins]t+ or a     
second>y s*ool aft] in/itution ( high]  
education4