ABSTRACT
Financial literacy and financial education have been in the public dialogue for two decades. The story takes many forms: woeful student test scores, a housing foreclosure crisis, skyrocketing credit card debt, bankruptcy reform, negative savings rates, working-poor families, and too many others to name—all major community development issues. The chorus of voices calling for increased financial education is diverse: educators, policymakers, activists, civic leaders, and parents. What is less clear, however, is who should do what to ensure that America becomes more financially literate.
