; Whereas expanding access to the mainstream financial system will provide individuals with less expensive and more secure options for managing finances and building wealth; Whereas quality personal financial education is essential to ensure that individuals are prepared to manage money, credit, and debt, and to become responsible workers, heads of households, investors, entrepreneurs, business leaders, and citizens; Whereas increased financial literacy empowers individuals to make wise financial decisions and reduces the confusion caused by an increasingly complex economy; Whereas a greater understanding of, and familiarity with, financial markets and institutions will lead to increased economic activity and growth; Whereas in 2003 and 2011, Congress found it important to coordinate Federal financial literacy efforts and formulate a national strategy; and Whereas in 2003, Congress passed the Financial Literacy and Education Improvement Act ( 20 U.S.C. 9701 et seq.), establishing the Financial Literacy and Education Commission: Now, therefore, be it