I 
119TH CONGRESS 
2D SESSION 
H. R. 7183 
To improve the financial literacy of secondary school students. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 21, 2026 
Mr. LYNCH (for himself, Mr. BOYLE of Pennsylvania, Mr. CARSON, Mr. CASE, 
Ms. CLARKE of New York, Ms. TITUS, Mr. FIELDS, Ms. STRICKLAND, 
Ms. NORTON, and Mr. EVANS of Pennsylvania) introduced the following 
bill; which was referred to the Committee on Education and Workforce 
A BILL 
To improve the financial literacy of secondary school 
students. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Youth Financial 
Learning Act’’. 
SEC. 2. STATEWIDE INCENTIVE GRANTS FOR FINANCIAL 
LITERACY EDUCATION. 
(a) DEFINITIONS.—In this Act, the terms ‘‘commu-
nity-based organization’’, ‘‘elementary school’’, ‘‘local edu-
cational agency’’, ‘‘professional development’’, ‘‘secondary 
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school’’, ‘‘Secretary’’, ‘‘State educational agency’’, and 
‘‘well-rounded education’’ have the meanings given those 
terms in section 8101 of the Elementary and Secondary 
Education Act of 1965 (20 U.S.C. 7801). 
(b) GRANTS AUTHORIZED.— 
(1) IN GENERAL.—From amounts appropriated 
under subsection (f), the Secretary shall award 
grants, on a competitive basis, to State educational 
agencies to enable those State educational agencies 
to integrate financial literacy education into public 
elementary schools or secondary schools by carrying 
out the activities described in paragraph (4). 
(2) DURATION.—A grant awarded under this 
section shall be for a period of not more than 4 
years. 
(3) APPLICATION.—Each State educational 
agency desiring a grant under this section shall sub-
mit an application to the Secretary at such time and 
in such manner as the Secretary may require, in-
cluding— 
(A) a description of how the State edu-
cational agency will award subgrants to local 
educational agencies; 
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(B) a description of how the State edu-
cational agency will ensure sustainability of the 
grant activities after the grant program; 
(C) an assertion that teachers, principals, 
parents, and students have been consulted in 
the process of developing the application; and 
(D) a description of how the State edu-
cational agency will ensure geographic diversity 
so that grant activities benefit students in 
urban, rural, and suburban locations. 
(4) USES OF STATE FUNDS.— 
(A) STATE ACTIVITIES.—Each State edu-
cational agency receiving grant funds under this 
section may use not more than 10 percent of 
such grant funds— 
(i) for technical assistance; 
(ii) for curriculum development; 
(iii) to provide guidance to local edu-
cational agencies; or 
(iv) to conduct an evaluation of the 
impact of financial literacy or personal fi-
nance 
education 
on 
students’ 
under-
standing of financial literacy concepts. 
(B) SUBGRANTS.— 
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