,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #fgag  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #ae1         
#bjbe,ms4 ,johnson ( ,texas 7= h]self & 
,mrs4 ,kiggans ( ,virg9ia7 introduc$ !  
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,arm$ ,s]vices  ,a ,,bill 
,to improve f9ancial lit]acy tra9+ =    
memb]s ( ! ,arm$ ,=ces1 & = o!r         
purposes4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,milit>y ,f9ancial      
,lit]acy ,acc\ntability ,act4  #b4      
,improvem5ts to f9ancial lit]acy tra9+ =
 memb]s ( ! ,arm$ ,=ces  7a7            
,modifications to f9ancial lit]acy &    
prep>$ness survey ,section #iib7;e7 (   
title #aj1 ,unit$ ,/ates ,code1 is      
am5d$-- 7#a7 9 p>agraph 7#a7--  7,a7 by 
/rik+ ,! ,director ( ! ,def5se ,manp[]  
,data ,c5t] & ins]t+ ,! ,secret>y (     
,def5se2 &  7,b7 by /rik+ arm$ =ces4 &  
ins]t+ ! foll[+3  arm$ =ces t includes  
prompts int5d$ to id5tify ! foll[+3 7,a7
 ,! curr5t level ( f9ancial lit]acy     
among memb]s ( ! ,arm$ ,=ces :o are     

enli/$ memb]s 9 a pay grade ( ,e-#g or  
bel[ or commission$ (fic]s 9 a pay grade
 ( ,o-#d or bel[4  7,b7 ,! pref]r$      
me?ods ( f9ancial education deliv]y =   
memb]s ( ! ,arm$ ,=ces1 includ+ :e!r    
memb]s pref]--  7i7 9-p]son in/ruction2 
7ii7 onl9e tra9+ modules2  7iii7 mobile 
applications2  7iv7 pe]-to-pe] le>n+    
programs2  7v7 f9ancial c\nsel+         
sessions2 or  7vi7 any o!r deliv]y      
me?ods id5tifi$ by su* memb]s4  7,c7 ,! 
specific f9ancial topics ( greate/      
int]e/ & ne$ to ! memb]s1 includ+ :e!r  
memb]s are int]e/$ 9-- 7i7 income       
managem5t2  7ii7 debt managem5t & cr$it 
repair2  7iii7 sav+ & inve/+ /rategies2 
7iv7 home buy+ & mortgage f9anc+2  7v7  
transition f9ancial plann+2  7vi7       
insurance ne$s & options2  7vii7 tuition
 assi/ance & education f9anc+2 or       
7viii7 deploym5t & relocation f9ancial  
plann+4  7,d7 ,any b>ri]s to            
p>ticipation 9 exi/+ f9ancial lit]acy   
tra9+ programs4  7,e7 ,recomm5dations f 
memb]s ( ! ,arm$ ,=ces = improv+        

f9ancial lit]acy tra9+ programs4  2 &   
7#b7 9 p>agraph 7#b7-- 7,a7 by          
r$esignat+ subp>agraphs 7,a7 & 7,b7 z   
subp>agraphs 7,b7 & 7,c71 respectively2 
&  7,b7 by ins]t+ be=e subp>agraph 7,b71
 z s r$esignat$1 ! foll[+ new           
subp>agraph3  7,a7 %all be compil$ by ! 
,director 9 su* a way z to protect !    
privacy ( ! respond5ts to su* survey2  4
  7b7 ,additional improvem5ts ,!        
,secret>y ( ,def5se %all-- 7#a7 ensure !
 ,secret>ies conc]n$ modify !           
appropriate adm9i/rative sy/ems to      
increase ! accuracy ( track+ completion 
( ! f9ancial read9ess common milit>y    
tra9+ by memb]s ( ! ,arm$ ,=ces2  7#b7  
ensure ! ,secret>ies conc]n$ id5tify &  
address causes ( non-completion (       
f9ancial read9ess common milit>y tra9+  
by memb]s ( ! ,arm$ ,=ces2  7#c7 e/abli%
 a timel9e =--  7,a7 det]m9+ :i* /&>diz$
 p]=mance measures1 if any1 are ne$$ to 
measure ! effectiv5ess ( ! f9ancial     
education ef=ts ( ! ,dep>tm5t ( ,def5se2
 &  7,b7 ! implem5tation ( su* p]=mance 

measures2 &  7#d7 submit to ,congress an
 implem5tation timel9e & /rategy = c>ry+
 out ! am5dm5ts made by subsection 7a74