I 
119TH CONGRESS 
1ST SESSION H. R. 6717 
To improve financial literacy training for members of the Armed Forces, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 15, 2025 
Ms. JOHNSON of Texas (for herself and Mrs. KIGGANS of Virginia) introduced 
the following bill; which was referred to the Committee on Armed Services 
A BILL 
To improve financial literacy training for members of the 
Armed Forces, and for other purposes. 
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 ‘‘Military Financial Lit-
eracy Accountability Act’’. 
SEC. 2. IMPROVEMENTS TO FINANCIAL LITERACY TRAIN-
ING FOR MEMBERS OF THE ARMED FORCES. 
(a) MODIFICATIONS TO FINANCIAL LITERACY AND 
PREPAREDNESS SURVEY.—Section 992(e) of title 10, 
United States Code, is amended— 
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(1) in paragraph (1)— 
(A) by striking ‘‘The Director of the De-
fense Manpower Data Center’’ and inserting 
‘‘The Secretary of Defense’’; and 
(B) by striking ‘‘armed forces.’’ and insert-
ing the following: ‘‘armed forces that includes 
prompts intended to identify the following: 
‘‘(A) The current level of financial literacy 
among members of the armed forces who are en-
listed members in a pay grade of E–7 or below or 
commissioned officers in a pay grade of O–4 or 
below. 
‘‘(B) The preferred methods of financial edu-
cation delivery for members of the armed forces, in-
cluding whether members prefer— 
‘‘(i) in-person instruction; 
‘‘(ii) online training modules; 
‘‘(iii) mobile applications; 
‘‘(iv) peer-to-peer learning programs; 
‘‘(v) financial counseling sessions; or 
‘‘(vi) any other delivery methods identified 
by such members. 
‘‘(C) The specific financial topics of greatest in-
terest and need to the members, including whether 
members are interested in— 
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‘‘(i) income management; 
‘‘(ii) debt management and credit repair; 
‘‘(iii) saving and investing strategies; 
‘‘(iv) home buying and mortgage financing; 
‘‘(v) transition financial planning; 
‘‘(vi) insurance needs and options; 
‘‘(vii) tuition assistance and education fi-
nancing; or 
‘‘(viii) deployment and relocation financial 
planning. 
‘‘(D) Any barriers to participation in existing 
financial literacy training programs. 
‘‘(E) Recommendations from members of the 
armed forces for improving financial literacy train-
ing programs.’’; and 
(2) in paragraph (2)— 
(A) by redesignating subparagraphs (A) 
and (B) as subparagraphs (B) and (C), respec-
tively; and 
(B) by inserting before subparagraph (B), 
as so redesignated, the following new subpara-
graph: 
‘‘(A) shall be compiled by the Director in such 
a way as to protect the privacy of the respondents 
to such survey;’’. 
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(b) ADDITIONAL IMPROVEMENTS.—The Secretary of 
Defense shall— 
(1) ensure the Secretaries concerned modify the 
appropriate administrative systems to increase the 
accuracy of tracking completion of the financial 
readiness common military training by members of 
the Armed Forces; 
(2) ensure the Secretaries concerned identify 
and address causes of non-completion of financial 
readiness common military training by members of 
the Armed Forces; 
(3) establish a timeline for— 
(A) determining which standardized per-
formance measures, if any, are needed to meas-
ure the effectiveness of the financial education 
efforts of the Department of Defense; and 
(B) the implementation of such perform-
ance measures; and 
(4) submit to Congress an implementation 
timeline and strategy for carrying out the amend-
ments made by subsection (a). 
Æ 
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