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It explains how the 2011 National Strategy provides concrete goals and focuses on increased financial literacy, effective education efforts, and multiple stakeholder action areas. 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Indeed, as we have learned, the financial difficulties of individuals and families can dramatically affect the financial health of local communities and regional markets. The crisis has also illustrated that the financial well-being of individuals and families is fundamental to national financial stability, and that a lack of financial literacy is one barrier that can lower standards of living and limit prosperity.  \nThe Financial Literacy and Education Commission (FLEC) sets forth here a framework—Promoting Financial Success in the United States:  \nNational Strategy 2011—to provide the foundation for an overarching financial literacy strategy. It also establishes concrete goals that thenon-profit, government, and private sectors can and should work together to increase financial literacy and improve financial decision making by individual Americans and their families as they pursue personal financial objectives. In recognition of the many changes needed to move our nation forward in this regard, the focus in this strategic framework is on (1) the need for increased financial literacy and effective financial decision making and (2) the educational efforts required to achieve those worthy objectives.  \nThe framework identifies five action areas—policy, education, practice, research, and coordination. Not every stakeholder will engage in all five, but carrying out the national strategy will require that each find its own balanced blend to ensure effective participation.  \nCongress established FLEC through passage of the Fair and Accurate Credit Transactions (FACT) Act of 2003. FLEC is comprised of 22 federal entities and is chaired by the Treasury Department. One of FLEC’s primary responsibilities is to develop a national strategy to promote financial literacy and education. In 2006, FLEC developed its first national strategy, Taking Ownership of the Future: The National  \n􀀕  \n1DWLRQDO 6WUDWHJ\\ IRU )LQDQFLDO /LWHUDF\\ 􀀕􀀓􀀔􀀔  \nStrategy for Financial Literacy, which reviewed the progress toward financial literacy at that time and proposed calls to action in four areas deemed crucial to the promotion of financial education:1  \n1. building public awareness of available resources;  \n2. developing tailored, targeted materials and dissemination strategies;  \n3. tapping into effective partnerships; and  \n4. supporting research and evaluation of financial education programs.  \n'HYHORSPHQW RI WKH 1DWLRQDO 6WUDWHJ\\ 􀀕􀀓􀀔􀀔   \nIn July 2009, the Treasury Department convened a special FLEC meeting to review the Commission’s approach to carrying out its purpose and role. As part of that process, FLEC members set up a working group to craft a new national strategy. Over the ensuing months, FLEC’s","cbCaioaL6vv6By2O","https://ap.wps.com/l/cbCaioaL6vv6By2O","pdf",374506,16,"English","# Introduction\n# Development of the National Strategy\n# Implementation of the National Strategy","[{\"question\":\"What is the National Strategy 2011 for financial literacy designed to do?\",\"answer\":\"It provides an overarching framework with goals to increase financial literacy and improve financial decision making by individuals and their families.\"},{\"question\":\"How is FLEC structured and what is its main responsibility?\",\"answer\":\"FLEC is chaired by the Treasury Department and includes 22 federal entities; one primary responsibility is to develop a national strategy to promote financial literacy and education.\"},{\"question\":\"What four goals did the National Strategy Working Group identify for the National Strategy 2011?\",\"answer\":\"The goals are to increase awareness and access, determine and integrate core financial competencies, improve financial education infrastructure, and identify, enhance, and share effective practices.\"}]","National Strategy for Financial Literacy - Introduction | PDF",1792061785]