Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Quezon City 
TWENTIETH CONGRESS 
First Regular Session 
House Bill No. __________ 
Introduced by Representative Jose Manuel F. Alba 
AN ACT 
MANDATING A PERSONAL FINANCE EDUCATION PROGRAM FOR ALL 
PERSONS APPLYING FOR A MARRIAGE LICENSE 
Explanatory Note 
Research shows that one of the causes of marital conflicts revolve 
around financial issues. The subsequent failure to manage these financial 
issues in the family sometimes results in physical, emotional, economic abuse 
and even violence. Lack of basic financial knowledge and differences in money 
beliefs has been noted as one of the top factors in why couples separate or 
fight. 
Thus, Personal Finance Education in the context of family life is 
extremely important for persons planning to get married or to newly wedded 
couples. This Representation strongly believes that it is the duty of the State, 
acting as Parens patriae to ensure that Filipinos are given adequate financial 
education and training prior to marriage. 
Article XV, Section 1 of the Constitution of the Philippines expresses 
that, "The State recognizes the Filipino family as the foundation of the nation. 
Accordingly, it shall strengthen its solidarity and actively promote its total 
development. " Furthermore, the Family Code also states that Marriage is the 
foundation of the family, and it is an inviolable social institution. Hence, it is 
the moral responsibility of the State to safeguard the family by protecting 
August 13, 2025
8:00 am
3642


marriages from avoidable conflicts such as those arising from financial 
mismanagement. 
This Bill also seeks to further reinforce R.A. No. 10354 or "The 
Responsible Parenthood and Reproductive Health Act of 2012″.  
 Accordingly, local government units and relevant agencies, serving as 
frontliners in promoting quality family life, should be mandated to provide 
Personal Finance Education Programs to all persons applying for a marriage 
license.  
It is worth noting that this measure has been filed during the 19th 
Congress.  
In view of the foregoing, the immediate passage of this bill is earnestly 
sought. 
JOSE MANUEL F. ALBA 
Representative, 1st District, Bukidnon


1 
Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Quezon City 
TWENTIETH CONGRESS 
First Regular Session 
House Bill No. __________ 
Introduced by Representative Jose Manuel F. Alba 
AN ACT 
MANDATING A PERSONAL FINANCE EDUCATION PROGRAM FOR ALL 
PERSONS APPLYING FOR A MARRIAGE LICENSE 
Be it enacted by the Senate and House of Representatives of the 
Philippines in Congress assembled:  
SECTION 1. Shout Title. – This Act shall be known as the 
'Pananalaping Tiyak, Pag-aasawang Payak, Pamilyang Panatag" or "3Ps Act". 
Sec. 2. No marriage license shall be issued by the Local Civil Registrar 
unless the applicants present a Certificate of Compliance issued for free by 
the local Family Planning Office certifying that they had duly received 
adequate instructions and information on: 
a. BEHAVIORAL FINANCE;
b. SAVINGS, EMERGENCY AND RESILIENCE FUND DEVELOPMENT;
c. DEBT MANAGEMENT;
d. INVESTMENT, INSURANCE, AND RETIREMENT PLANNING;
e. OTHER APPLICABLE PERSONAL FINANCE PROGRAMS;
3642


2 
 
 
Sec. 3. Repealing Clause. – All laws, presidential decrees or 
issuances, executive orders, letters of instruction, administrative orders, 
rules or regulation inconsistent with the provisions of this Act arc hereby 
repealed or modified accordingly. 
 
 
Sec. 4. Separability Clause. – Should any part of this Act bc declared 
unconstitutional, the validity of remaining provision hereof shall remain in 
full and effect. 
 
 
Sec. 5. Effectivity Clause. – This Act shall take effect fifteen (15) days 
from its publication in a newspaper of general circulation.  
 
 
 
Approved,