{
  "legislationId": "119_HR_8373",
  "lastUpdate": "2026-04-24T11:16:32.883Z",
  "history": [
    {
      "timestamp": "2026-04-24T11:16:32.883Z",
      "source_url": "https://www.congress.gov/119/bills/hr8373/BILLS-119hr8373ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8373 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8373 To direct the Secretary of the Treasury, acting through the Director of the Office of Consumer Policy, to establish a program to award grants to eligible entities to provide financial coaching services, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 20, 2026 Ms. Garcia of Texas (for herself, Ms. Norton, Mr. Carson, Ms. Titus, Mr. Green of Texas, and Ms. Tlaib) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To direct the Secretary of the Treasury, acting through the Director of the Office of Consumer Policy, to establish a program to award grants to eligible entities to provide financial coaching services, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Improving Access to Financial Coaching Act of 2026''. SEC. 2. FINDINGS AND PURPOSE. (a) Findings.--Congress finds that-- (1) many consumers, particularly low- and moderate-income households, face significant challenges in managing personal finances, reducing debt, building savings, and accessing responsible credit; (2) financial coaching services have been shown to improve financial stability, increase long-term financial capability, improve credit scores, and reduce vulnerability to economic shocks; (3) nonprofit and community-based organizations play a critical role in training and deploying financial coaches to deliver culturally competent, accessible, and individualized financial coaching services to consumers in need; (4) the Department of the Treasury, through its Office of Consumer Policy, is well-positioned to administer a national program supporting financial coaching initiatives that promote household financial resilience and economic mobility; and (5) the absence of uniform certification standards for financial coaches results in inconsistent service quality and restricts the professional development of practitioners, underscoring the need for Federal support to inform a standardization of credentialing for financial coaches and agencies that provide these services. (b) Purposes.--The purposes of this Act are-- (1) to establish a Federal program to provide grants to eligible organizations offering financial coaching services to consumers; (2) to strengthen the capacity of community-based providers to deliver effective, evidence-based financial coaching; (3) to enhance consumer financial well-being by increasing access to trusted, high-quality financial guidance; and (4) to authorize the Office of Consumer Policy within the Department of the Treasury to administer, oversee, and evaluate the program; and to research and develop standardized practices for certifying financial coaches and the agencies that employ them. SEC. 3. FINANCIAL COACHING SERVICES GRANT. (a) Establishment.--Not later than 1 year after the date of the enactment of this section, the Secretary of the Treasury, acting through the Director of the Office of Consumer Policy (hereinafter referred to as the ``Director''), shall establish a program to award grants to eligible entities to provide financial coaching services. (b) Eligible Entities.--To be eligible for a grant under this section, an entity shall-- (1) be-- (A) a nonprofit, community-based organization; (B) a community development financial institution (as defined in section 103 of the Community Development Banking and Financial Institutions Act of 1994 (12 U.S.C. 4702)); or (C) a minority depository institution (as defined in section 308(b) of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (12 U.S.C. 1463 note)); and (2) have-- (A) been in operation for not less than 1 year; (B) if serving a clientele or service area with a high rate of non-English proficiency speakers, established relationships with private, public, or nonprofit community-based entities that provide non- English language services and can provide referrals for financial coaching services; (C) established, or plans to establish, a financial coaching program as described subsection (c); and (D) such program-- (i) located in, or predominantly serving-- (I) 1 or more census tracts where-- (aa) with respect to a census tract located in a metropolitan area, the median family income is at or below 120 percent of the metropolitan median family income; or (bb) with respect to a census tract located outside a metropolitan area, the median family income is at or below 120 percent of the statewide median family income; (II) a census tract where not less than 50 percent of the population self- identifies as a racial or ethnic minority; or (III) 1 or more census tracts in a rural area (as the term is defined by the Director of the Bureau of the Census); or (ii) predominantly serving individuals making at or below 120 percent of the Area Median Income. (c) Application.--An eligible entity that seeks a grant under this section shall submit to the Director an application at such time, in such manner, and containing such information as the Director requires, including a description of-- (1) organizational information and financial coaching services of such entity; (2) staff qualification and experience, including a detailed description of any certification, credentialing or continuing education required of its financial coaches; (3) a work plan that outlines activities, target audiences, goals, and anticipated results; (4) the financial stability of such entity, including financial statements and a proposed budget for the financial coaching program of such entity; and (5) languages served by such entity. (d) Eligible Uses.--The Secretary shall award grants to eligible entities under this section to be used-- (1) by the eligible entity for general purposes of such entity; or (2) by the eligible entity for the purpose of awarding subgrants and technical assistance to other eligible entities that provide financial coaching. (e) Financial Coaching Best Practices.--The Director shall carry out such activities as necessary to help elevate best practices in the financial coaching industry, and to facilitate the development of standardized protocols for credentialing financial coaches and agencies that provide these services. (f) Authorization of Appropriations.-- (1) In general.--There is authorized to be appropriated to the Director $100,000,000 for fiscal years 2026 through 2028, of which-- (A) 55 percent of such appropriated sum be used for the purposes described in subsection (d)(1); and (B) 45 percent of such appropriated sum be used for the purpose described in subsection (d)(2). (2) Proportions.--The Director may update the proportions of funds described in paragraph (1) if the Director determines that there are insufficient amounts to carry out either purposes described in paragraphs (1) and (2) of subsection (d). <all>\n\nSUMMARY TO EVALUATE:\nTitle: Improving Access to Financial Coaching Act of 2026\nSummary: This bill creates a federal program to provide financial coaching to help people manage debt and save money. It focuses on helping families with modest incomes improve their financial health and credit scores.\nKey Points: $100 million in grants for organizations providing financial advice., Personalized help with debt reduction, savings, and credit building., Focus on low-income, rural, and minority communities., New national standards to ensure financial coaches are well-trained.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-24T11:12:25.685Z",
      "source_url": "https://www.congress.gov/119/bills/hr8373/BILLS-119hr8373ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8373 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8373 To direct the Secretary of the Treasury, acting through the Director of the Office of Consumer Policy, to establish a program to award grants to eligible entities to provide financial coaching services, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 20, 2026 Ms. Garcia of Texas (for herself, Ms. Norton, Mr. Carson, Ms. Titus, Mr. Green of Texas, and Ms. Tlaib) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To direct the Secretary of the Treasury, acting through the Director of the Office of Consumer Policy, to establish a program to award grants to eligible entities to provide financial coaching services, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Improving Access to Financial Coaching Act of 2026''. SEC. 2. FINDINGS AND PURPOSE. (a) Findings.--Congress finds that-- (1) many consumers, particularly low- and moderate-income households, face significant challenges in managing personal finances, reducing debt, building savings, and accessing responsible credit; (2) financial coaching services have been shown to improve financial stability, increase long-term financial capability, improve credit scores, and reduce vulnerability to economic shocks; (3) nonprofit and community-based organizations play a critical role in training and deploying financial coaches to deliver culturally competent, accessible, and individualized financial coaching services to consumers in need; (4) the Department of the Treasury, through its Office of Consumer Policy, is well-positioned to administer a national program supporting financial coaching initiatives that promote household financial resilience and economic mobility; and (5) the absence of uniform certification standards for financial coaches results in inconsistent service quality and restricts the professional development of practitioners, underscoring the need for Federal support to inform a standardization of credentialing for financial coaches and agencies that provide these services. (b) Purposes.--The purposes of this Act are-- (1) to establish a Federal program to provide grants to eligible organizations offering financial coaching services to consumers; (2) to strengthen the capacity of community-based providers to deliver effective, evidence-based financial coaching; (3) to enhance consumer financial well-being by increasing access to trusted, high-quality financial guidance; and (4) to authorize the Office of Consumer Policy within the Department of the Treasury to administer, oversee, and evaluate the program; and to research and develop standardized practices for certifying financial coaches and the agencies that employ them. SEC. 3. FINANCIAL COACHING SERVICES GRANT. (a) Establishment.--Not later than 1 year after the date of the enactment of this section, the Secretary of the Treasury, acting through the Director of the Office of Consumer Policy (hereinafter referred to as the ``Director''), shall establish a program to award grants to eligible entities to provide financial coaching services. (b) Eligible Entities.--To be eligible for a grant under this section, an entity shall-- (1) be-- (A) a nonprofit, community-based organization; (B) a community development financial institution (as defined in section 103 of the Community Development Banking and Financial Institutions Act of 1994 (12 U.S.C. 4702)); or (C) a minority depository institution (as defined in section 308(b) of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (12 U.S.C. 1463 note)); and (2) have-- (A) been in operation for not less than 1 year; (B) if serving a clientele or service area with a high rate of non-English proficiency speakers, established relationships with private, public, or nonprofit community-based entities that provide non- English language services and can provide referrals for financial coaching services; (C) established, or plans to establish, a financial coaching program as described subsection (c); and (D) such program-- (i) located in, or predominantly serving-- (I) 1 or more census tracts where-- (aa) with respect to a census tract located in a metropolitan area, the median family income is at or below 120 percent of the metropolitan median family income; or (bb) with respect to a census tract located outside a metropolitan area, the median family income is at or below 120 percent of the statewide median family income; (II) a census tract where not less than 50 percent of the population self- identifies as a racial or ethnic minority; or (III) 1 or more census tracts in a rural area (as the term is defined by the Director of the Bureau of the Census); or (ii) predominantly serving individuals making at or below 120 percent of the Area Median Income. (c) Application.--An eligible entity that seeks a grant under this section shall submit to the Director an application at such time, in such manner, and containing such information as the Director requires, including a description of-- (1) organizational information and financial coaching services of such entity; (2) staff qualification and experience, including a detailed description of any certification, credentialing or continuing education required of its financial coaches; (3) a work plan that outlines activities, target audiences, goals, and anticipated results; (4) the financial stability of such entity, including financial statements and a proposed budget for the financial coaching program of such entity; and (5) languages served by such entity. (d) Eligible Uses.--The Secretary shall award grants to eligible entities under this section to be used-- (1) by the eligible entity for general purposes of such entity; or (2) by the eligible entity for the purpose of awarding subgrants and technical assistance to other eligible entities that provide financial coaching. (e) Financial Coaching Best Practices.--The Director shall carry out such activities as necessary to help elevate best practices in the financial coaching industry, and to facilitate the development of standardized protocols for credentialing financial coaches and agencies that provide these services. (f) Authorization of Appropriations.-- (1) In general.--There is authorized to be appropriated to the Director $100,000,000 for fiscal years 2026 through 2028, of which-- (A) 55 percent of such appropriated sum be used for the purposes described in subsection (d)(1); and (B) 45 percent of such appropriated sum be used for the purpose described in subsection (d)(2). (2) Proportions.--The Director may update the proportions of funds described in paragraph (1) if the Director determines that there are insufficient amounts to carry out either purposes described in paragraphs (1) and (2) of subsection (d). <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o poprawie dostępu do doradztwa finansowego z 2026 roku\",\n  \"pl_summary\": \"Program ma na celu ułatwienie obywatelom o niskich i średnich dochodach dostępu do profesjonalnego doradztwa finansowego. Dzięki temu łatwiej będzie zarządzać długami, budować oszczędności i poprawiać zdolność kredytową.\",\n  \"pl_key_points\": [\n    \"Utworzenie funduszu o wartości 100 milionów dolarów na wsparcie doradztwa finansowego.\",\n    \"Pomoc w spłacie długów, oszczędzaniu i poprawie oceny kredytowej.\",\n    \"Wsparcie dla organizacji lokalnych i non-profit pomagających mieszkańcom.\",\n    \"Wprowadzenie standardów jakości i certyfikatów dla doradców finansowych.\"\n  ],\n  \"eng_ai_title\": \"Improving Access to Financial Coaching Act of 2026\",\n  \"eng_summary\": \"This bill creates a federal program to provide financial coaching to help people manage debt and save money. It focuses on helping families with modest incomes improve their financial health and credit scores.\",\n  \"eng_key_points\": [\n    \"$100 million in grants for organizations providing financial advice.\",\n    \"Personalized help with debt reduction, savings, and credit building.\",\n    \"Focus on low-income, rural, and minority communities.\",\n    \"New national standards to ensure financial coaches are well-trained.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Verbesserung des Zugangs zu Finanzberatung 2026\",\n  \"de_summary\": \"Dieses Gesetz schafft ein Programm zur Förderung von Finanzberatung für Haushalte mit geringem und mittlerem Einkommen. Bürger erhalten Unterstützung beim Schuldenabbau, beim Sparen und bei der Verbesserung ihrer Kreditwürdigkeit.\",\n  \"de_key_points\": [\n    \"100 Millionen Dollar für Organisationen, die Finanzberatung anbieten.\",\n    \"Individuelle Hilfe bei Schulden, Ersparnissen und Krediten.\",\n    \"Besonderer Fokus auf ländliche Gebiete und einkommensschwache Familien.\",\n    \"Einführung einheitlicher Qualitätsstandards für Finanzberater.\"\n  ],\n  \"fr_ai_title\": \"Loi de 2026 sur l'amélioration de l'accès au coaching financier\",\n  \"fr_summary\": \"Ce projet de loi crée un programme fédéral pour offrir des services de coaching financier aux ménages à revenus modestes. L'objectif est d'aider les citoyens à mieux gérer leurs dettes, à épargner et à améliorer leur situation financière.\",\n  \"fr_key_points\": [\n    \"100 millions de dollars de subventions pour les organismes de conseil financier.\",\n    \"Aide personnalisée pour réduire les dettes et constituer une épargne.\",\n    \"Priorité aux zones rurales et aux communautés à faibles revenus.\",\n    \"Création de normes nationales de certification pour les conseillers financiers.\"\n  ],\n  \"es_ai_title\": \"Ley de 2026 para mejorar el acceso al asesoramiento financiero\",\n  \"es_summary\": \"Esta ley establece un programa para ofrecer asesoramiento financiero a familias con ingresos bajos y moderados. Busca ayudar a las personas a reducir sus deudas, ahorrar dinero y mejorar su historial crediticio.\",\n  \"es_key_points\": [\n    \"100 millones de dólares en subvenciones para organizaciones de asesoría financiera.\",\n    \"Apoyo personalizado para el manejo de deudas y la creación de ahorros.\",\n    \"Enfoque en comunidades rurales y de bajos ingresos.\",\n    \"Nuevos estándares de certificación para garantizar la calidad de los asesores.\"\n  ],\n  \"it_ai_title\": \"Legge del 2026 per migliorare l'accesso alla consulenza finanziaria\",\n  \"it_summary\": \"Questa legge istituisce un programma federale per fornire servizi di consulenza finanziaria alle famiglie con redditi bassi e medi. L'obiettivo è aiutare i cittadini a gestire i debiti, risparmiare e migliorare il proprio punteggio di credito.\",\n  \"it_key_points\": [\n    \"100 milioni di dollari in sovvenzioni per organizzazioni che offrono consulenza.\",\n    \"Assistenza personalizzata per ridurre i debiti e aumentare i risparmi.\",\n    \"Attenzione particolare alle aree rurali e alle comunità svantaggiate.\",\n    \"Introduzione di standard nazionali per la certificazione dei consulenti.\"\n  ],\n  \"nl_ai_title\": \"Wet op de verbetering van de toegang tot financiële coaching 2026\",\n  \"nl_summary\": \"Deze wet stelt een programma in om financiële coaching toegankelijker te maken voor huishoudens met lage en middeninkomens. Het helpt burgers bij het beheren van schulden, het opbouwen van spaargeld en het verbeteren van hun kredietwaardigheid.\",\n  \"nl_key_points\": [\n    \"100 miljoen dollar aan subsidies voor organisaties die financieel advies geven.\",\n    \"Persoonlijke hulp bij schuldafbouw, sparen en kredietbeheer.\",\n    \"Focus op plattelandsgebieden en gemeenschappen met lage inkomens.\",\n    \"Nieuwe kwaliteitsnormen en certificering voor financiële coaches.\"\n  ],\n  \"pt_ai_title\": \"Lei de 2026 para Melhorar o Acesso ao Aconselhamento Financeiro\",\n  \"pt_summary\": \"Esta lei cria um programa federal para oferecer serviços de aconselhamento financeiro a famílias de rendimentos baixos e moderados. O objetivo é ajudar os cidadãos a gerir dívidas, poupar dinheiro e melhorar a sua pontuação de crédito.\",\n  \"pt_key_points\": [\n    \"100 milhões de dólares em subsídios para organizações de apoio financeiro.\",\n    \"Ajuda personalizada para redução de dívidas e criação de poupanças.\",\n    \"Foco em áreas rurais e comunidades com menores rendimentos.\",\n    \"Criação de padrões nacionais de certificação para consultores financeiros.\"\n  ],\n  \"category\": [\"Economy\", \"Benefits\"]\n}"
    }
  ]
}