,,iii  #aah? ,,congress  #b;d ,session  
,s4 ,,res4 #feh  ,,9 ,,! ,,s5ate ,,( ,,!
 ,,unit$ ,,/ates  ,april #bj            
7legislative day1 ,april #ai71 #bjbd,mr4
 ,re$ 7= himself1 ,mr4 ,scott ( ,s\?    
,c>ol9a1 ,mr4 ,b>rasso1 ,mr4 ,boozman1  
,mr4 ,braun1 ,mr4 ,budd1 ,mrs4 ,capito1 
,mr4 ,cassidy1 ,ms4 ,coll9s1 ,ms4       
,cortez ,ma/o1 ,mr4 ,cram]1 ,mr4 ,crapo1
 ,mr4 ,da9es1 ,mr4 ,durb91 ,ms4 ,hassan1
 ,mrs4 ,hyde-,smi?1 ,mr4 ,k+1 ,mr4      
,man*91 ,mr4 ,ris*1 ,mr4 ,romney1 ,mr4  
,r\nds1 ,mr4 ,rubio1 ,mr4 ,scott (      
,florida1 ,mr4 ,:iteh\se1 ,mr4 ,wick]1  
,mr4 ,wyd51 ,mr4 ,"y1 ,mr4 ,pet]s1 &    
,mr4 ,tub]ville7 submitt$ ! foll[+      
resolution2 :i* 0 consid]$ & agre$ to   
,,resolution  ,designat+ ,april #bjbd z 
,f9ancial ,lit]acy ,mon?4  ,:]eas1      
accord+ to ! report entitl$ ,economic   
,well-,be+ ( ,u4,s4 ,h\seholds 9 #bjbb  
by ! ,bo>d ( ,gov]nors ( ! ,f$]al       
,res]ve ,sy/em1 self-report$ f9ancial   
well-be+ fell %>ply & 0 among ! l[e/    
obs]v$ s9ce #bjaf2 ,:]eas1 accord+ to ! 

#bjba ,f$]al ,deposit ,insurance        
,corporation ,national ,survey (        
,unbank$ & ,und]bank$ ,h\seholds-- 7#a7 
approximately #d4e p]c5t ( h\seholds1   
repres5t+ #e1ijj1jjj h\seholds 9 !      
,unit$ ,/ates1 are unbank$ &1 !re=e1 h  
limit$ or no access to sav+s1 l5d+1 &   
o!r basic f9ancial s]vices2 &  7#b7 an  
e/imat$ #ad4a p]c5t ( h\seholds1        
repres5t+ #ah1gjj1jjj h\seholds 9 !     
,unit$ ,/ates1 are und]bank$2 ,:]eas1   
accord+ to a report entitl$ ,f9ancial   
,capability ( ,adults ) ,disabilities by
 ! ,national ,disability ,in/itute & !  
,f9ancial ,indu/ry ,regulatory          
,au?ority1 p ) disabilities 7 m likely  
to /ruggle ) ! key compon5ts ( f9ancial 
capability1 :i* are mak+ ends meet1     
plann+ ahead1 manag+ f9ancial products1 
& f9ancial k & decisionmak+1 & c\ld     
b5efit f t>get$ f9ancial education2     
,:]eas1 accord+ to ! /ati/ical release (
 ! ,f$]al ,res]ve ,bank ( ,new ,york = !
 f\r? qu>t] ( #bjbc entitl$ ,h\sehold   
,debt & ,cr$it ,report-- 7#a7 out/&+    

h\sehold debt 9 ! ,unit$ ,/ates has     
increas$ by #c1cej1jjj1jjj1jjj s9ce !   
end ( #bjai2  7#b7 out/&+ /ud5t loan    
balances h increas$ /eadily dur+ ! la/  
decade to ne>ly #a1fjj1jjj1jjj1jjj2 &   
7#c7 del9qu5cy rates increas$ = all debt
 types except /ud5t loans2 ,:]eas !     
#bjbc ,employ] ,survey ( ! ,employee    
,b5efits ,rese>* ,in/itute report$ t    
f9ancial wellness b5efits1 includ+      
broad-bas$ f9ancial education1 are a    
tool to improve work] satisfaction &    
productivity2 ,:]eas ! #bjbd ,survey ( !
 ,/ates conduct$ bi5nially by ! ,c\ncil 
= ,economic ,education %[$ t1 comp>$ to 
! #bjbb ,survey ( ! ,/ates1 #ab m ,/ates
 h pass$ legislation requir+ /ud5ts to  
take a f9ancial education c\rse1 result+
 9 #aj1jjj1jjj m /ud5ts ga9+ access to  
f9ancial education be=e graduat+ f high 
s*ool2 ,:]eas1 9 #bjbd1 rese>* by ,tyton
 ,p>tn]s1 9 conjunction ) ,next ,g5     
,p]sonal ,f9ance1 f\nd a lifetime b5efit
 ( approximately #ajj1jjj = /ud5ts :o   
complet$ p]sonal f9ance education 9 high

 s*ool2 ,:]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>$-- 7#a7 to make   
s\nd money managem5t decisions ab\t     
cr$it1 debt1 insurance1 f9ancial        
transactions1 & plann+ = ! future2 &    
7#b7 to become responsible work]s1 heads
 ( h\sehold1 inve/ors1 entrepr5eurs1    
bus9ess lead]s1 & citiz5s2 ,:]eas       
f9ancial education 9 s*ools 9 ! ,unit$  
,/ates is critical to a long-t]m        
f9ancial inclusion /rategy to rea*      
/ud5ts :o are n able to get suffici5t   
p]sonal f9ance guidance at home2 ,:]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 #bjbd 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