What's happening
This bill allows social services districts to offer public assistance recipients optional courses in financial literacy and personal finance.
Why it matters
Addresses root causes of poverty. By teaching financial literacy and personal finance skills, the bill aims to empower public assistance recipients with knowledge that may help break cycles of financial instability and dependence.
Promotes long-term self-sufficiency. Instruction on topics like managing cash flow, using bank accounts, responsible credit use, and planning for major expenses can equip participants to better navigate financial challenges, potentially reducing future reliance on social services.
Expands the scope of support beyond employment. The bill recognizes that successful workforce participation often requires more than just job search skills, incorporating broader life skills such as financial management and career planning to support holistic economic mobility.
Increases flexibility and choice in assistance programs. By making these courses optional and including them among other educational activities, the bill allows recipients to tailor their engagement with social services to their unique needs and goals, potentially increasing program effectiveness and participant satisfaction.
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Who cares
Headline styles
Teach Financial Skills to Recipients
Plain English, a few words. Used as the page title.
Sponsors
History
- Substituted by A474A
- Ordered to third reading cal.1849
- Committee discharged and committed to rules
- Reported and committed to finance
- Print number 1170a
- Amend and recommit to social services
- Referred to social services
Companion bill
The same bill in the other chamber. A bill becomes law when one version passes both houses and the governor signs it, so either number can carry it.
Offer Free Finance Classes
Signed by Governor · Sponsor Amy Paulin
Full text
2 pagesUnderlined is new[Struck] is removedOfficial text on nysenate.gov ↗
STATE OF NEW YORK
1170--A
2017-2018 Regular Sessions
IN SENATE
January 6, 2017
Introduced by Sens. CARLUCCI, AVELLA, KLEIN, SAVINO, VALESKY -- read twice and ordered printed, and when printed to be committed to the Committee on Social Services -- committee discharged, bill amended, ordered reprinted as amended and recommitted to said committee
AN ACT to amend the social services law, in relation to allowing social services districts to offer participants in public assistance employment programs an option to complete a course in financial literacy and personal finance
The People of the State of New York, represented in Senate and Assembly, do enact as follows:
Section 1. Paragraph (f) of subdivision 1 of section 336 of the social services law, as amended by section 148 of part B of chapter 436 of the laws of 1997, is amended to read as follows:
(f) job search and job readiness assistance, provided that job search is an active and continuing effort to secure employment configured by the local social services official; and such social services district may work in cooperation with the department of labor to provide workforce guidance and information in accordance with section ten-c of the labor law;
§ 2. Subdivision 1 of section 336-a of the social services law, as amended by section 4 of part J of chapter 58 of the laws of 2014, is amended to read as follows:
1. Social services districts shall make available vocational educational training and educational activities. Such activities may include but need not be limited to, high school education or education designed to prepare a participant for a high school equivalency certificate, basic and remedial education, education in English proficiency, education or a course of instruction in financial literacy and personal finance that includes instruction on household cash management techniques, career advice to obtain a well paying and secure job, using checking and savings accounts, obtaining and utilizing short and long
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD01848-03-7
S. 1170--A 2
term credit, securing a loan or other long term financing arrangement for high cost items, participation in a higher education course of instruction or trade school, and no more than a total of four years of post-secondary education (or the part-time equivalent). Educational activities pursuant to this section may be offered with any of the following providers which meet the performance or assessment standards established in regulations by the commissioner for such providers: a community college, licensed trade school, registered business school, or a two-year or four-year college; provided, however, that such post-secondary education must be necessary to the attainment of the participant's individual employment goal as set forth in the employability plan and such goal must relate directly to obtaining useful employment in a recognized occupation. When making any assignment to any educational activity pursuant to this subdivision, such assignment shall be permitted only to the extent that such assignment is consistent with the individual's assessment and employment plan goals in accordance with sections three hundred thirty-five and three hundred thirty-five-a of this title and shall require that the individual maintains satisfactory academic progress and hourly participation is documented consistent with federal and state requirements. For purposes of this provision "satisfactory academic progress" shall mean having a cumulative C average, or its equivalent, as determined by the academic institution. The requirement to maintain satisfactory academic progress may be waived if done so by the academic institution and the social services district based on undue hardship caused by an event such as a personal injury or illness of the student, the death of a relative of the student or other extenuating circumstances. Any enrollment in post-secondary education beyond a twelve month period must be combined with no less than twenty hours of participation averaged weekly in paid employment or work activities or community service when paid employment is not available.
§ 3. This act shall take effect on the one hundred eightieth day after it shall have become a law; provided, however, that the commissioner of temporary and disability assistance is immediately authorized and directed to promulgate, amend and/or repeal any rules and regulations that may be necessary to implement the provisions of this act on its effective date.
Reflowed for reading: line numbers and page breaks removed. Cite the official text.
Sponsor's memo
Title of bill
An act to amend the social services law, in relation to allowing social services districts to offer participants in public assistance employment programs an option to complete a course in financial literacy and personal finance
Purpose
Provides that social service districts may require, on a case-by-case basis, those who are collecting Temporary Assistance for Needy Families (TANF) benefits to participate in a course of instruction in financial literacy and personal finance, with such instruction counting toward meeting the 30-hour work requirement or as an educational activity. Further, that such district may cooperate with the Department of Labor to provide workforce guidance and information as provided in the Labor Law regarding nontraditional careers for women, such as in the trades, to TANF recipients. The purpose of this provision is to encourage women recipients of TANF to pursue and be able to secure certain nontraditional careers that pay above average salaries.
Summary of provisions
Section 1 amends section 336 of the social services law to authorize the staff at social service districts to cooperate with the Labor Department to provide workforce guidance and information regarding nontraditional careers for women as provided for in section 10-c of the labor law.
Read the full memo (650 words)
Section 2 amends section 336-a of the social services law to add activities to the list of vocational educational training and educational activities that social services districts must make available. Such activities include courses in financial literacy and personal finance that include instruction on household cash management techniques, career advice to obtain a well-paying and secure job, using checking and savings accounts, obtaining and utilizing short and long term credit, securing a loan, and participation in a higher education course or trade school. Under this provision, not only can taking part in a financial literacy and personal finance course of instruction count as a "work activity" for the purposes of obtaining TANF aid, it can also count as an "educational activity," so long as an individual maintains satisfactory academic progress and hourly participation as determined by the academic institution.
Section 3 provides the effective date.
Justification
This bill incorporates into the social services law the proposition that women who receive TANF aid may be helped if they are provided access to nontraditional careers, such as trades, that can lead to higher salaries, career growth and economic security. Too often, low-income women are tracked into low-paying jobs, keeping them locked into perpetual basic survival with no future. This bill is one more step toward helping provide low-income women access to better-paying careers with upward mobility.
Additionally, this bill allows TANF caseworkers to decide, on a case-by-case basis, whether participation in financial literacy and personal finance courses would be of additional benefit. By participating in such classes, such recipients may become more aware of their current financial choices and course of conduct and change that behavior in a manner that leads to a more secure financial future. Under this bill, those TANF recipients that take such workforce guidance and/or financial literacy classes can have such activities be considered fulfilling their work or educational activities under the Social Services Law.
The combination of access to nontraditional careers and financial literacy instruction can greatly support the transition of low-income women from basic survival to economic security and empowerment.
Legislative history
A.1101, 2015 and 2016 referred to social services. Same as S.2150, 2015 and 2016 passed Senate. A.7763-A, 2013 and 2014 referred to social services. Same as S.5249-A, 2013 and 2014 passed Senate.
Fiscal implications
None.
Effective date
This act shall take effect on the one hundred eightieth day after it shall have become a law; provided, however, that the commissioner of temporary and disability assistance is immediately authorized and directed to promulgate, amend and/or repeal any rules and regulations that may be necessary to implement the provisions of this act on its effective date.
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