; Whereas the Bureau issued a report in 2016 that included a number of recommendations to improve financial literacy for students; Whereas section 342 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5452 ) directs the Federal financial regulatory agencies to partner with high schools in targeted areas to help promote financial literacy and to create industry internships, summer employment, and full-time positions for talented minorities and women; Whereas the 2015 National Financial Capability Study, developed in consultation with the Department of the Treasury and President Obama’s Advisory Council on Financial Capability, updates key measures from the 2009 National Financial Capability Study of American adults and deepens the exploration of topics that are highly relevant today, including student loans and medical debt; Whereas the Money as You Learn initiative, a coalition of nonprofit and for profit organizations, teachers, and academics, provides concrete tools for educators to show how personal finance can provide appropriate context and content for mathematics and English language arts teaching; Whereas the Federal Reserve System offers publications in English and Spanish that provide consumers tips on a broad range of topics, from avoiding mortgage foreclosure scams to managing a checking account; and Whereas a study conducted by Daniel Fernandes, John G. Lynch, Jr., and Richard Netemeyer entitled Financial Literacy, Financial Education and Downstream Financial Behaviors found that it is best to provide assistance just before a decision is made in what is known as just-in-time education : Now, therefore, be it