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Young Americans Financial Literacy Act This bill requires the Consumer Financial Protection Bureau to award competitive grants to eligible institutions for the establishment of financial literacy education programs for young people and families. Aneligible institutionis a partnership among two or more of the following * an institution of higher education; * a state or local government agency specializing in financial education; * a nonprofit agency, organization, or association; * a financial institution; or * another small organization. Authorized grant funded activities shall include * developing and implementing comprehensive, research based, financial-literacy education programs for young people; * designing instructional materials; * developing and supporting the delivery of professional development programs in financial literacy education; * improving access to, and dissemination of, financial literacy information for young people and families; * developing educational programs to reduce student loan default rates; * conducting ongoing research and evaluation of financial literacy education programs; and * measuring the effectiveness of authorized activities. The grant program shall terminate after FY2025.

This resolution supports the goals and ideals of Financial Literacy Month.

Financial Literacy Education Commission Emergency Response Act This bill requires the Financial Literacy and Education Commission in the Department of the Treasury to convene a special meeting related to the financial impacts of the COVID-19 (i.e., coronavirus disease 2019) emergency. The commission must provide on its website resources to help individuals recover from financial hardships related to the COVID-19 emergency.

This resolution designates April 2019 as Financial Literacy Month.

Student Empowerment and Financial Literacy Act This bill directs the Department of Education to award competitive grants to eligible entities to promote financial literacy in elementary and secondary schools. An eligible entity is an entity with demonstrated expertise in the development of strategies that are designed to improve understanding of personal finance topics (e.g., bank and credit union accounts, student loans, debt management, and saving) among elementary and secondary school students.

This resolution supports the goals of Financial Literacy Month. Specifically, the resolution expresses the understanding that continued education and cooperation among law enforcement, financial institutions, regulatory agencies, and private sector organizations are necessary to combat elder financial exploitation. Additionally, the resolution expresses support for work performed by the Financial Crimes Enforcement Network and its partners to educate those that protect the elder community.

Housing Financial Literacy Act of 2019 This bill modifies the discount given by the Federal Housing Administration (FHA) on single-family mortgage-insurance premium payments for first-time homebuyers who complete a financial-management counseling program. Under current law, the maximum premium amount for such homebuyers is 2.75% of the original insured principal obligation of the mortgage (compared to 3% for other homebuyers). The bill instead requires that the premium amount for such homebuyers be 25 basis points (0.25% of the original insured principal obligation of mortgage) lower than the amount otherwise established by the FHA. The bill also specifies that first-time homebuyers must complete the financial-management counseling program prior to applying for a mortgage or entering into a sales agreement.

Housing Financial Literacy Act of 2020 This bill modifies the discount given by the Federal Housing Administration (FHA) on single-family mortgage-insurance premium payments for first-time homebuyers who complete a financial-management counseling program. Under current law, the maximum premium amount for such homebuyers is 2.75% of the original insured principal obligation of the mortgage (compared to 3% for other homebuyers). The bill instead requires that the premium amount for such homebuyers (1) in the case of a mortgage insured within four years of enactment, be 25 basis points (0.25% of the original insured principal obligation of mortgage) lower than the amount otherwise established by the FHA; or (2) in the case of a mortgage insured four years after enactment, at a rate set by the FHA that corresponds to the reduced risk of loss due to the counseling.

Youth Financial Learning Act This bill directs the Department of Education to award grants, on a competitive basis, to state educational agencies to integrate financial literacy education into public secondary schools.

Youth Financial Learning Act This bill directs the Department of Education to award grants, on a competitive basis, to state educational agencies to integrate financial literacy education into public elementary or secondary schools.

Consumer Financial Education and Empowerment Act This bill establishes within the Consumer Financial Protection Bureau a program to award grants to certain nonprofit organizations, state governments, and local governments for financial literacy programs. Programs eligible for grants may include education regarding credit, student loan debt, homeownership, investments, retirement, or starting a business.

This resolution expresses support for the efforts of federal financial agencies to partner with organizations focused on developing opportunities to place talented young minorities and women in industry internships, summer employment, and full-time positions. The resolution also expresses support for the efforts of federal financial agencies to provide consumers with relevant information and decision-making tools regarding important financial decisions.

Digital Citizenship and Media Literacy Act This bill directs the Department of Education to award grants to state and local educational agencies to promote media literacy and digital citizenship. Media literacyincludes the ability to access relevant information, analyze media content, evaluate the accuracy of information, and make educated decisions about products and services, education, health, and wellness based on information obtained from media and digital sources. Digital citizenshipincludes the ability to safely, responsibly, and ethically use communication technologies and to participate in the political, economic, social, and cultural aspects of life related to technology and the digital world. A state educational agency must use grant funds to carry out one or more specified activities, specifically (1) creating and supporting a media literacy advisory council, (2) assisting local educational agencies in the development of instruction in media literacy, (3) assisting local agencies in developing means of evaluating student learning in media literacy, and (4) assisting local agencies in developing or providing professional development for teachers that relates to media literacy.

Financial Literacy Improvement for Professionals Act of 2020 or the FLIP Act This bill authorizes the Department of Education to award grants to institutions of higher education, national nonprofits, and the Bureau of Indian Education to provide teachers with professional development activities related to financial literacy.

Digital Citizenship and Media Literacy Act This bill directs the Department of Education (ED) to award grants to state and local educational agencies to promote media literacy and digital citizenship. Among other things,media literacyincludes the ability to access relevant information, analyze media content, evaluate the accuracy of information, and make educated decisions about products and services, education, health, and wellness based on information obtained from media and digital sources. The bill definesdigital citizenshipas, among other things, the ability to safely, responsibly, and ethically use communication technologies and to participate in the political, economic, social, and cultural aspects of life related to technology and the digital world. ED must establish a Federal Advisory Council to assist in evaluating and awarding grants and developing and making available to states and local educational agencies evidence-based model curricula and standards for media literacy education. The Government Accountability Office shall report to Congress on media literacy and digital citizenship competencies in schools, and related issues.