Financial literacy plays an important role in helping ensure the financial health and stability of individuals, families, and our broader national economy. Economic changes in recent years have highlighted the need to empower Americans to make informed financial decisions, yet evidence indicates that many U.S. consumers could benefit from a better understanding of financial matters. For ex., recent surveys indicate that many consumers have difficulty with basic financial concepts and do not budget. This testimony discusses: (1) the state of the fed. government's approach to financial literacy; and (2) observations on overall strategies for addressing financial literacy. This is a print on demand report.

The federal government's role in empowering Americans to make informed financial decisions : hearing before the Oversight of Government Management, the Federal Workforce, and the District of Columbia Subcommittee of the Committee on Homeland Security and Governmental Affairs, United States Senate, One Hundred Eleventh Congress, first session, April 29, 2009.

The federal government's role in empowering Americans to make informed financial decisions: hearing before the Financial Management, the Budget, and International Security Subcommittee of the Committee on Governmental Affairs, United States Senate, One Hundred Eighth Congress, second session, March 30, 2004.

The federal government's role in empowering Americans to make informed financial decisions : hearing before the Financial Management, the Budget, and International Security Subcommittee of the Committee on Governmental Affairs, United States Senate, One Hundred Eighth Congress, second session, March 30, 2004.