Subject: File No. 4-626
From: Lauren E Wills
Affiliation: Professor of Law, Loyola Law School Los Angeles

August 11, 2011

For a review of studies of the effectiveness of financial education, please see:

Evidence and Ideology in Assessing the Effectiveness of Financial Literacy Education, 46 SAN DIEGO L. REV. 415 (2009), available at http://ssrn.com/abstract=1098270

You may also be interested in the following 3 papers:

1. Financial Education: Lessons Not Learned Lessons Learned, Boston University School of Management Federal Reserve Bank of Boston Conference on Financial Education Consumer Financial Protection (May 2011), available at http://ssrn.com/abstract=1869313

2. The Financial Education Fallacy, 101 AMERICAN ECON. REV.: PAPERS PROCEEDINGS 2011, available at http://ssrn.com/abstract=1869323

3. Against Financial Literacy Education, 94 IOWA L. REV. 197 (2008), available at http://ssrn.com/abstract=1105384

Thank you,
Professor Lauren Willis
Loyola Law School Los Angeles