facilities or services. . (b) Effective date The amendment made by this section shall apply to taxable years beginning after December 31, 2017. J Consumer Financial Education and Empowerment 21001. Short title This subtitle may be cited as the Consumer Financial Education and Empowerment Act . 21002. Financial literacy grant program (a) In general Not later than 1 year after the date of the enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall establish a program to award grants on a competitive basis to eligible entities to facilitate financial literacy programs as described in subsection (d). (b) Application requirements To be eligible to be awarded a grant under the program established under subsection (a), an eligible entity shall submit an application to the Director at such time, in such manner, and containing such information as the Director may require, including information on— (1) the curriculum and design of the financial literacy program proposed by the eligible entity, including a description of how such program meets the requirements of subsection (d)