Can Financial Literacy Education Prevent Another Financial Crisis?

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Can Financial Literacy Education Prevent Another Financial Crisis? EMPOWERING CONSUMERS: CAN FINANCIAL LITERACY EDUCATION PREVENT ANOTHER FINANCIAL CRISIS? FIELD HEARING BEFORE THE SUBCOMMITTEE ON OVERSIGHT AND INVESTIGATIONS OF THE COMMITTEE ON FINANCIAL SERVICES U.S. HOUSE OF REPRESENTATIVES ONE HUNDRED ELEVENTH CONGRESS SECOND SESSION AUGUST 24, 2010 Printed for the use of the Committee on Financial Services Serial No. 111–152 ( U.S. GOVERNMENT PRINTING OFFICE 61–856 PDF WASHINGTON : 2010 For sale by the Superintendent of Documents, U.S. Government Printing Office Internet: bookstore.gpo.gov Phone: toll free (866) 512–1800; DC area (202) 512–1800 Fax: (202) 512–2104 Mail: Stop IDCC, Washington, DC 20402–0001 VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00001 Fmt 5011 Sfmt 5011 K:\DOCS\61856.TXT TERRIE HOUSE COMMITTEE ON FINANCIAL SERVICES BARNEY FRANK, Massachusetts, Chairman PAUL E. KANJORSKI, Pennsylvania SPENCER BACHUS, Alabama MAXINE WATERS, California MICHAEL N. CASTLE, Delaware CAROLYN B. MALONEY, New York PETER T. KING, New York LUIS V. GUTIERREZ, Illinois EDWARD R. ROYCE, California NYDIA M. VELA´ ZQUEZ, New York FRANK D. LUCAS, Oklahoma MELVIN L. WATT, North Carolina RON PAUL, Texas GARY L. ACKERMAN, New York DONALD A. MANZULLO, Illinois BRAD SHERMAN, California WALTER B. JONES, JR., North Carolina GREGORY W. MEEKS, New York JUDY BIGGERT, Illinois DENNIS MOORE, Kansas GARY G. MILLER, California MICHAEL E. CAPUANO, Massachusetts SHELLEY MOORE CAPITO, West Virginia RUBE´ N HINOJOSA, Texas JEB HENSARLING, Texas WM. LACY CLAY, Missouri SCOTT GARRETT, New Jersey CAROLYN MCCARTHY, New York J. GRESHAM BARRETT, South Carolina JOE BACA, California JIM GERLACH, Pennsylvania STEPHEN F. LYNCH, Massachusetts RANDY NEUGEBAUER, Texas BRAD MILLER, North Carolina TOM PRICE, Georgia DAVID SCOTT, Georgia PATRICK T. MCHENRY, North Carolina AL GREEN, Texas JOHN CAMPBELL, California EMANUEL CLEAVER, Missouri ADAM PUTNAM, Florida MELISSA L. BEAN, Illinois MICHELE BACHMANN, Minnesota GWEN MOORE, Wisconsin KENNY MARCHANT, Texas PAUL W. HODES, New Hampshire THADDEUS G. McCOTTER, Michigan KEITH ELLISON, Minnesota KEVIN McCARTHY, California RON KLEIN, Florida BILL POSEY, Florida CHARLES WILSON, Ohio LYNN JENKINS, Kansas ED PERLMUTTER, Colorado CHRISTOPHER LEE, New York JOE DONNELLY, Indiana ERIK PAULSEN, Minnesota BILL FOSTER, Illinois LEONARD LANCE, New Jersey ANDRE´ CARSON, Indiana JACKIE SPEIER, California TRAVIS CHILDERS, Mississippi WALT MINNICK, Idaho JOHN ADLER, New Jersey MARY JO KILROY, Ohio STEVE DRIEHAUS, Ohio SUZANNE KOSMAS, Florida ALAN GRAYSON, Florida JIM HIMES, Connecticut GARY PETERS, Michigan DAN MAFFEI, New York JEANNE M. ROSLANOWICK, Staff Director and Chief Counsel (II) VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00002 Fmt 5904 Sfmt 5904 K:\DOCS\61856.TXT TERRIE SUBCOMMITTEE ON OVERSIGHT AND INVESTIGATIONS DENNIS MOORE, Kansas, Chairman STEPHEN F. LYNCH, Massachusetts JUDY BIGGERT, Illinois RON KLEIN, Florida PATRICK T. MCHENRY, North Carolina JACKIE SPEIER, California RON PAUL, Texas GWEN MOORE, Wisconsin MICHELE BACHMANN, Minnesota JOHN ADLER, New Jersey CHRISTOPHER LEE, New York MARY JO KILROY, Ohio ERIK PAULSEN, Minnesota STEVE DRIEHAUS, Ohio ALAN GRAYSON, Florida (III) VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00003 Fmt 5904 Sfmt 5904 K:\DOCS\61856.TXT TERRIE VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00004 Fmt 5904 Sfmt 5904 K:\DOCS\61856.TXT TERRIE C O N T E N T S Page Hearing held on: August 24, 2010 ................................................................................................ 1 Appendix: August 24, 2010 ................................................................................................ 37 WITNESSES TUESDAY, AUGUST 24, 2010 Glendening, Hon. Kevin, Deputy Commissioner, Consumer and Mortgage Lending Division, Office of the State Bank Commissioner, State of Kansas .. 12 McKinney, Hon. Dennis, Treasurer, State of Kansas ........................................... 4 Mitchell, Shawn P., President and Chief Executive Officer, Community Bank- ers Association of Kansas .................................................................................... 27 Petty, Taylor, Master’s in accounting student, University of Kansas ................. 21 Praeger, Hon. Sandy, Commissioner of Insurance, State of Kansas ................... 6 Smith, Hon. John P., Administrator, Kansas Department of Credit Unions ..... 8 Tuttle, Kathryn Nemeth, Vice Provost for Student Success, University of Kansas ................................................................................................................... 23 Voyles, Gayle, Director, University of Missouri-Kansas City Center for Eco- nomic Education ................................................................................................... 25 Wilson, Hon. Marc S., Securities Commissioner, State of Kansas ...................... 10 Wolgamott, Chris, Community Development Liaison, Meritrust Credit Union . 29 APPENDIX Prepared statements: Moore, Hon. Dennis .......................................................................................... 38 Hinojosa, Hon. Ruben ....................................................................................... 39 Glendening, Hon. Kevin ................................................................................... 41 McKinney, Hon. Dennis ................................................................................... 46 Mitchell, Shawn P. ........................................................................................... 51 Petty, Taylor ..................................................................................................... 56 Praeger, Hon. Sandy ........................................................................................ 61 Smith, Hon. John P. ......................................................................................... 65 Tuttle, Kathryn Nemeth .................................................................................. 73 Voyles, Gayle, .................................................................................................... 77 Wilson, Hon. Marc S. ....................................................................................... 81 Wolgamott, Chris .............................................................................................. 92 ADDITIONAL MATERIAL SUBMITTED FOR THE RECORD Moore, Hon. Dennis: Written statement of the Financial Education and Counseling Alliance .... 95 Letter from the National Association of Federal Credit Unions (NAFCU) . 102 Written statement of Dennis M. Dice, CEO, NavPoint Institute for Finan- cial Literacy ................................................................................................... 103 (V) VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00005 Fmt 5904 Sfmt 5904 K:\DOCS\61856.TXT TERRIE VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00006 Fmt 5904 Sfmt 5904 K:\DOCS\61856.TXT TERRIE EMPOWERING CONSUMERS: CAN FINANCIAL LITERACY EDUCATION PREVENT ANOTHER FINANCIAL CRISIS? Tuesday, August 24, 2010 U.S. HOUSE OF REPRESENTATIVES, SUBCOMMITTEE ON OVERSIGHT AND INVESTIGATIONS, COMMITTEE ON FINANCIAL SERVICES, Washington, D.C. The subcommittee met, pursuant to notice, at 10:05 a.m., in the Simons Media Room, The Robert J. Dole Institute of Politics, Uni- versity of Kansas, 2350 Petefish Drive, Lawrence, Kansas, Hon. Dennis Moore [chairman of the subcommittee] presiding. Members present: Representatives Moore and Jenkins. Chairman MOORE OF KANSAS. Good morning. This field hearing of the Subcommittee on Oversight and Investigations of the House Financial Services Committee will come to order. Our hearing today is entitled, ‘‘Empowering Consumers: Can Financial Literacy Education Prevent another Financial Crisis?’’ Inspired from the April 6, 2009, Time magazine cover, ‘‘The End of Excess: Why this Crisis is Good for America,’’ this is the third and final hearing in a series where we look at key issues that may not be receiving enough attention following the recent financial crisis so we can learn more and work towards a stronger and more stable financial system. Before we begin with the formal proceedings, I want to take a moment of personal privilege to first thank Dole Institute Director Bill Lacy and the staff here for hosting today’s field hearing, as well as my alma mater, the University of Kansas Chancellor, Chancellor Bernadette Gray-Little, and all the students, faculty, and staff who make this one of the finest places for higher edu- cation in the country. I also want to thank the other member, Representative Lynn Jenkins from the 2nd District of Kansas, who has taken time to be here today. I really appreciate that. This is our second hearing. As some of you know, we had one yesterday. We will begin this hearing with members’ opening statements, up to 10 minutes per side. Then, we will hear testimony from our witnesses. For each witness panel, members will each have up to 5 minutes to question our witnesses. The Chair advises our wit- nesses to please keep your opening statements to 5 minutes to keep things moving so we can get to member questions. (1) VerDate Nov 24 2008 13:52 Dec 06, 2010 Jkt 061856 PO 00000 Frm 00007 Fmt 6633 Sfmt 6633 K:\DOCS\61856.TXT TERRIE 2 Without objection, members’ opening statements will be made a part of the record and I now recognize myself for 5 minutes for an opening statement. Our economy continues to slowly recover following the worst fi- nancial crisis we have seen in generations. Everyone
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