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Code · BILL · 117th Congress · H.R. 7310 (Introduced in House) — To protect America’s retirement security, and for other purposes. · Sec. 3

Sec. 3. Personal finance education portal

370 words·~2 min read·/bill/117/hr/7310/ih/section-3

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Not later than 3 years after the date of enactment of this Act, the Secretary of Education, in consultation with the Director of the Bureau of Consumer Financial Protection, the Secretary of the Treasury as chair of the Financial Literacy and Education Commission, and the Commissioner of Internal Revenue, shall create a personal finance education portal on a centralized and publicly available website of the Department of Education pertaining to Federal financial aid for voluntary use by recipients of aid awarded under title IV of the Higher Education Act of 1965. The personal finance education portal created under subsection
(a)shall include information on personal finance concepts, including the following: Core personal finance concepts, such as earning, saving, investing, spending, and borrowing, including— the concept of compound growth as it applies to savings and retirement savings, with information about the different types of retirement savings accounts; and budgeting and credit usage. Managing student loan repayment, including— the interaction between savings and retirement decisions and Federal student loan repayment plans; Federal student loan discharge or forgiveness options; the types of voluntary benefits employers may use to help workers while they are paying down student loan debt; tax credits or deductions that are relevant to student loan borrowers in repayment; and any other Federal policies that significantly impact student loan borrowers in repayment, as determined by the Secretary. Any other personal finance concepts determined relevant by the Secretary of Education, in consultation with the Director of the Bureau of Consumer Financial Protection, the Secretary of the Treasury as chair of the Financial Literacy and Education Commission, and the Commissioner of Internal Revenue. The personal finance content included under subsection
(b)may be provided in an interactive format through text or video. The Secretary of Education, in consultation with the Director of the Bureau of Consumer Financial Protection, the Secretary of the Treasury as chair of the Financial Literacy and Education Commission, and the Commissioner of Internal Revenue, shall review not less than once every three years the utilization of the portal, make recommendations to improve the portal, and make such findings and recommendations publicly available. There are authorized to be appropriated such sums as may be necessary to carry out this section.
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