and long-term financial planning data, including calculating how much they would lose in interest on credit cards versus how much they would gain in interest by saving more, (13) to access calendar and scheduling functions that enable them to keep track of all job search, work, family, and school obligations, as well as any social service filing or appointment dates, (14) to be protected by security and privacy systems so that only such individuals, and not the government, nonprofit, or banking partners would be able to see or track private financial and appointment information, and (15) notwithstanding other provisions of law, to allow program applicants to easily and clearly authorize their sharing of personal and financial information with multiple government agencies, solely for the purpose of those government agencies enabling those to apply for and utilize government benefits. (b) Fiscal Years Pilot projects authorized by subsection (a) shall be carried out for a 1-year period in each of the fiscal years 2020 through 2025. 5. HOPE Action Plans Pilot Projects (a) Pilot projects authorized The Secretaries shall allow eligible entities that apply to do so—based on an application to be created by the Secretaries—to carry out HOPE Action Plans Pilot Projects to enable target populations of individuals to partner with government and nonprofit organizations by entering into voluntary agreements to carry out long-term HOPE action plans that— (1) specify exactly how the parties to such plans will help such individuals and their families earn, learn, and save better in order to ensure greater economic opportunity for themselves and their children by working together in a long-term, positive relationship for the purpose of ensuring upward mobility, (2) could empower such individuals and their families to better organize their time and focus their activities on productive endeavors while providing them extra resources to do so, (3) could be short-term, over just a year or 2, and aimed at helping families achieve very