Youth Financial Learning Act
Sponsored By: Representative Lynch, Stephen F. [D-MA-8]
Introduced
Summary
Financial literacy education in K–12 schools. This bill would create a competitive federal grant program for State educational agencies to integrate personal finance, consumer, economic, and entrepreneurship education into public elementary and secondary schools.
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- Students and families: Students would get school-based personal finance classes that cover credit, student loans, financial aid, and other consumer topics. Grants can fund classes that make up a substantial portion of coursework and can support after-school activities.
- Teachers and local districts: Local educational agencies would receive subgrants to implement, expand, or sustain curricula and to provide professional development. State educational agencies may use up to 10% of grant funds for technical assistance, curriculum development, guidance to districts, or program evaluation.
- State agencies and community organizations: State educational agencies would compete for grants that can last up to four years and must provide a 25% nonfederal match. SEA applications must show consultation with teachers, principals, parents, and students and ensure geographic diversity across urban, rural, and suburban areas.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More financial literacy in schools
If enacted, the Department of Education would run a competitive grant program for State education agencies starting in fiscal year 2026 (subject to appropriations). Grants could last up to four years. States would have to provide non‑Federal matching funds equal to 25% of each grant and could use up to 10% for state-level work; the rest must go to local school districts as subgrants. Local grants would fund school-based financial literacy classes and curricula (consumer, economic, entrepreneurship, and personal finance topics including personal credit, student loans, and financial aid), partnerships with community groups, and teacher professional development. States would need to prioritize high-need and lowest-performing districts, ensure urban/rural/suburban reach, consult teachers/principals/parents/students, and ensure federal funds supplement, not supplant, other federal or state money.
Sponsors & CoSponsors
Sponsor
Lynch, Stephen F. [D-MA-8]
MA • D
Cosponsors
Rep. Boyle, Brendan F. [D-PA-2]
PA • D
Sponsored 1/21/2026
Carson
IN • D
Sponsored 1/21/2026
Rep. Case, Ed [D-HI-1]
HI • D
Sponsored 1/21/2026
Rep. Clarke, Yvette D. [D-NY-9]
NY • D
Sponsored 1/21/2026
Rep. Titus, Dina [D-NV-1]
NV • D
Sponsored 1/21/2026
Rep. Fields, Cleo [D-LA-6]
LA • D
Sponsored 1/21/2026
Rep. Strickland, Marilyn [D-WA-10]
WA • D
Sponsored 1/21/2026
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 1/21/2026
Rep. Evans, Dwight [D-PA-3]
PA • D
Sponsored 1/21/2026
Johnson (GA)
GA • D
Sponsored 1/22/2026
Rep. Tokuda, Jill N. [D-HI-2]
HI • D
Sponsored 4/13/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov