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The Financial Literacy Resource Directory provides publicly available information on financial literacy and education resources for consumers, bank financial educators, nonprofit organizations, and other financial literacy practitioners.
This resource directory includes links and brief descriptions of some federal government sources and nonprofit organizations that provide financial literacy and education, publications, programs, and other resources. It is not intended to be a comprehensive list of all such available resources nor an assessment of quality or appropriateness of such programs and organizations. This directory provides useful information and resources to national banks and federal savings associations (collectively, banks) and others interested in financial literacy education.
The OCC obtained the information in this resource directory from publicly available sources. Inclusion of a non-OCC event, activity, product, or hyperlink in this directory does not constitute an endorsement by the OCC. The OCC does not exercise editorial control over any of the information in non-OCC websites and cannot guarantee the accuracy of the information.
“Financial literacy” describes the skills, knowledge, and tools that equip people to make individual financial decisions and actions to attain their goals; this may also be known as financial capability, especially when paired with access to financial products and services.
“Financial education” is the process by which people gain information, skills, confidence, and motivation to act on their financial decisions, through various means, including classroom education, one-on-one counseling and coaching, technology-based interventions, and self-study.
The OCC considers financial health as a state which enables (1) stability in day-to-day finances, (2) financial resilience to handle adverse circumstances, and (3) financial security for the future.
OCC Financial Literacy Updates
The Financial Literacy Update is a quarterly newsletter that contains financial literacy articles and provides links to upcoming events.
OCC Community Affairs Officers (CAO)
The OCC Community Affairs Officers across the nation assist banks in providing financial education and other services for consumers and communities and building connections between banks and other service providers. These officers can explain how banks can expand access to financial literacy education, credit, and capital in their communities.
Community Developments Fact Sheets
The OCC has over 30 Fact Sheets on a variety of topics including tax credits, public welfare investments, financial capability, USDA rural development and many more.
Leveraging Earned Income Tax Credits to Reach New Bank Customers This Fact Sheet explains the purpose of the Earned Income Tax Credit and summarizes the eligibility requirements for consumers to qualify for it. It also explains how banks can service the unbanked or underbanked by educating their customers about the Earned Income Tax Credit.
Financial Capability This updated Fact Sheet explains how financial capability programs can help people make informed decisions and take actions to effectively manage their finances.
Community Developments Insights
Community Developments Insights reports discuss topics related to community development and public welfare investments. These reports are not regulatory or supervisory guidance.
How Banks Can Measure and Support Customer Financial Health Outcomes The OCC encourages national banks and federal savings associations to support consumers' financial health in a safe, sound, and fair manner. This report identifies a way to consider consumer financial health, proposes and encourages the use of financial health measures, and provides examples of financial health measure use cases and actions that may contribute to improved customer financial health. It is intended to contribute to broader efforts to measure financial health as a means of supporting improved financial health outcomes.
School-Based Bank Savings Programs: Bringing Financial Education to Students This report discusses how school-based bank savings programs operate.
HelpWithMyBank.gov The OCC’s HelpWithMyBank.gov provides answers to commonly asked banking questions and includes an online complaint form for bank customers wishing to register their concerns to the OCC.
Project REACh The OCC’s Project REACh (Roundtable for Economic Access and Change) brings together leaders from the banking industry, community organizations, business, and technology to promote financial inclusion through greater access to credit and capital. The initiative seeks to reduce specific barriers that prevent full, equal, and fair participation in the nation's economy.
Building Wealth: A Beginner’s Guide to Securing Your Financial Future The Federal Reserve Bank of Dallas developed this resource as an overview of wealth-building strategies for consumers, community leaders, teachers, and students.
Commodity Futures Trading Commission
The commission provides learning resources such as articles and customer advisories to the public on commodity futures market basics and the steps to avoid fraud and other abuses.
Consumer.gov This Federal Trade Commission website offers free resources for people to learn about credit, debt, identity theft, and avoiding scams, as well as budgeting, opening a bank account, shopping for prepaid cards, and managing money in general.
Deposit Insurance Education Materials The Federal Deposit Insurance Corporation provides these materials for quick access to basic information on bank account protections and comprehensive deposit insurance information.
Federal Deposit Insurance Corporation The Federal Deposit Insurance Corporation Consumer News is a monthly newsletter to consumers, providing practical guidance on how to become a smarter, safer user of financial services, including helpful hints, quick tips, and common-sense strategies.
Financial Literacy and Education Commission The commission was established to improve financial literacy and education of persons in the United States. The commission is chaired by the Secretary of the Treasury and comprises more than 20 federal agencies.
HoweyTrade Fictional Investment Videos These videos and companion teacher's guides on the U.S. Securities and Exchange Commission’s website show student investors what real scams can look like and teach them how to spot the red flags of fraud and avoid getting scammed.
Federal Reserve System Financial and Economic Education
Federal Reserve Education This website provides resources and publications from across the Federal Reserve System for educators, students, and consumers.
Financial Literacy Publications and Brochures This National Credit Union Administration portal provides educational content, activities, guidance, and outreach tools to assist in building and enhancing financial education programs.
Guide to Organizing Reality Fairs This guide from the Federal Deposit Insurance Corporation is a comprehensive resource for planning, organizing, and supporting a successful three-hour reality fair. Reality fairs allow students to experience what it is like to have a bank account, decide how to use their money, obtain a loan, manage debt, and more.
Money Basics Guide to Budgeting and Savings Financial educators can use this guide from the National Credit Union Administration to teach people about financial basics, including budgeting and savings.
Money Smart This Federal Deposit Insurance Corporation website provides a financial education program offering curricula designed to help individuals outside the financial mainstream enhance their financial skills. Financial educators can use these free materials to teach classes or provide individual personal finance coaching.
Money Smart Alliance The Money Smart Alliance (sponsored by the Federal Deposit Insurance Corporation) is a network of organizations that use the Money Smart Curriculum.
MyMoney.gov This Financial Literacy and Education Commission website provides financial education information and resources from across the federal government. The website highlights the MyMoney Five and a section on financial choices for major life events.
Never Stop Learning This public service campaign initiated by the U.S. Securities and Exchange Commission highlights the importance of life-long financial learning for those who invest, emphasizing the need for investors to monitor their investment accounts, conduct background checks on investment professionals, and avoid unsolicited investment pitches that could be scams.
Planning for Retirement This U.S. Department of Labor website provides publications and tools to plan for retirement.
Secure Your Financial Future: Toolkit for Individuals With Disabilities This toolkit offered by the U.S. Department of Labor is designed to help people with disabilities achieve financial stability. It addresses preparing for a job, maintaining a job, and retirement.
Social Security Administration's People Like Me The website provides information and tools for people of all ages. Users can sign up for my Social Security account to access personalized tools, including estimating future benefits and managing current benefits.
USA.gov This site includes resources and links to information from many different federal government agencies.
Volunteer Income Tax Assistance and Tax Counseling for the Elderly The Internal Revenue Service’s Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs offer free basic tax return preparation to qualified individuals. VITA sites offer free tax help to people who need assistance in preparing their own tax returns, including people who generally make $67,000 or less; persons with disabilities; and limited English-speaking taxpayers. TCE program offers free tax help, particularly for those who are 60 years of age and older, specializing in questions about pensions and retirement-related issues unique to seniors.
Bank On Bank On’s goal is to make sure that everyone has access to a safe and affordable bank or credit union account. Nationwide over 100 Bank On coalitions connect consumers to banking services. Banks can get certified to offer their customers Bank On accounts.
Cities for Financial Empowerment Fund The fund’s mission is to leverage municipal engagement to improve the financial stability of low- and moderate-income households. The fund works to embed financial empowerment into local government structure through financial education and counseling, asset building, account access, consumer protection, and other strategies.
FDIC National Survey of Un-Banked and Under Banked Households The Federal Deposit Insurance Corporation provides information on U.S. households that are unbanked or underbanked, their demographic characteristics, and their reasons for being unbanked and underbanked. Information is based on a biennial national survey.
Financial Inclusion Essentials Online Training This self-paced, online course provided by the National Disability Institute and Association for Financial Counseling & Planning Education is designed for financial counselors, financial coaches, disability service providers, and others who want to learn more about building the financial well-being of people with disabilities and their families. The course includes practical, actionable tools, examples, and resources.
ABA Check Fraud Claim Directory This directory provides contact information for banks needing to file a check warranty breach claim with another financial institution. The directory is searchable by bank name, city, state, or FDIC number so banks can easily find a person or email address at the bank to help resolve a warranty breach claim.
Customer Advisory: AI Won't Turn Trading Bots into Money Machines This customer advisory explains how customers can assess risks of artificial intelligence (AI) trading strategies that promise high returns.
Customer Advisory: Six Warning Signs of Online Financial Romance Frauds This customer advisory provides information on warning signs of text and online frauds.
Relationship Cons, Recovery Scams & Money Laundering This article published by the U.S. Commodities Futures Trading Commission provides detailed information on the long story behind this insidious type of fraud and provides warning signs to look for to help protect consumers from falling victim to these types of scams.
Relationship Investment Scams
This web page explains why relationship investment scams can be devastating and cause investors to lose billions of dollars each year. Scammers reach out online or through text messages, attempting to build trust through friendship or a romantic connection to convince you to put money into phony investments. This article includes what the U.S. Securities and Exchange Commission wants you to know about how to protect yourself and your loved ones.
Protect Your Money: How to Avoid Investment Scams
This web page explains how new and developing technologies like mobile trading apps and artificial intelligence, while providing many benefits to investors, can also create opportunities for scammers. The article provides some of the red flags of investment fraud.
Spotting, Avoiding, and Reporting Fraud and Scams People can now report fraud, scams, and bad business practices to the Federal Trade Commission in their preferred language. Online and print information is also available in multiple languages on how to spot, stop, and avoid scams and what to do if a scammer is paid online.
America Saves This campaign promotes the value of building savings and reducing debt using research-based methods. America Saves involves local nonprofit, government, and business leaders in local and national campaigns, which include America Saves Week.
American Savings Education Council Sponsored by the Bipartisan Policy Center, the Council comprises more than 100 partner organizations. The organization convenes stakeholders and facilitates open dialogue to advance key issues surrounding financial literacy and well-being.
Investor.gov This U.S. Securities and Exchange Commission website includes information on investing and investment products, a glossary of investment terms, Investor Alerts and bulletins on fraud and on current investment topics, investor education publications and quizzes, and free financial tools and calculators. Investor Alerts and bulletins found on this site include the following:
Planning Your Social Security Claiming Age This tool from the Consumer Financial Protection Bureau is designed to help consumers make informed decisions about when to claim their social security benefits. This tool from the Consumer Financial Protection Bureau is designed to help consumers make informed decisions about when to claim their social security benefits.
Retirement Calculator This calculator from AARP provides users with a snapshot of what their financial future might look like. Users can use the calculator to develop a retirement plan and calculate social security benefits in their retirement income.
Retirement Savings Toolkit The U.S. Department of Labor, in cooperation with the Social Security Administration and the Centers for Medicare and Medicaid Services, offer this toolkit to help workers identify issues related to retirement planning and understand important decisions related to employment-based plans, social security, and Medicare.
Stock Market Game and InvestQuest This Securities Industry and Financial Markets Association Foundation program, the Stock Market Game, is an online simulation and curriculum that instructs students in grades 4 through 12 on economics, investing, and personal finance. InvestQuest is an online educational game available as an introduction or enrichment activity.
Teach Children to Save Program The American Bankers Association Foundation’s Teach Children to Save program provides lesson plans for grades K-2, interactive activities for each grade band (K-2, 3-5, 6-8), and a Teach Children to Save Banker resource page. To participate in Teach Children to Save, banks can sign up at aba.com/fined.
BBB AdTruth This program from BBB Institute for Marketplace Trust informs consumers about potential advertising abuses and empowers consumers to report advertisements that could cause financial or personal harm due to problematic tactics or faulty products.
Consumer Advice: Buying and Owning a Car This Federal Trade Commission website provides consumer information on buying new or used cars, understanding warranties, maintenance, and repossession.
Consumer Advice: Shopping This Federal Trade Commission website provides consumer information on avoiding travel scams, making online purchases, buying art and gemstones, and other shopping advice. The website also covers warranties and service contracts and solving problems.
AnnualCreditReport.com This website gives consumers access to free credit reports from three national credit reporting agencies. This is the only official website that is explicitly directed by Federal law to provide them. Beware that other websites may charge a fee.
Credit Reports and Credit Scores The Board of Governors of the Federal Reserve System offers answers to common questions about credit reports and how errors in credit reports can be corrected. This website also contains information on how financial literacy educators can become certified to coach others on these credit materials.
Credit Smart Freddie Mac’s suite of educational resources is designed to empower consumers and financial professionals with the skills and knowledge to assist them through their financial capability and homeownership journey.
National Foundation for Credit Counseling The foundation connects consumers to nonprofit financial counseling agencies to help manage debt.
The Five Principles of Financial Literacy The Annuity.org web page explains the five principles of financial literacy and how individuals can apply these principles to enhance their ability to manage their personal finances.
IdentityTheft.gov This Federal Trade Commission website helps people report and recover from identity theft.
Investor Alert: Retirement Accounts This alert from the U.S. Securities and Exchange Commission addresses topics that include Protect Your Thrift Savings Plan (TSP) Account From Fraud.
National Consumer Protection Week The Federal Trade Commission, other federal agencies, and nonprofit organizations sponsor this website, which highlights free resources to help people understand their consumer rights and avoid frauds and scams.
ReportFraud.ftc.gov This Federal Trade Commission website is designed to make it easier for people to report fraud, scams, and bad business practices.
Digital Asset Terms You Should Know This document from the Commodities Futures Trading Commission defines key terms useful for consumers to understand digital assets.
Digital Asset Risks to Remember This document from the Commodities Futures Trading Commission outlines risks for consumers in crypto and digital assets.
Investor.gov: Crypto Assets This website from the U.S. Securities and Exchange Commission includes videos and articles to inform investors about crypto assets.
Cryptocurrency and Scams This Federal Trade Commission website explains how to spot and avoid cryptocurrency scams and detect accounts that may be compromised.
Curious About Crypto? Watch Out for Red Flags The Commodities Futures Trading Commission describes what to watch out for in crypto investing.
Dealing With Disasters and Emergencies This Consumer Financial Protection Bureau website will help consumers who have experienced a loss of assets by means of real estate or personal property damage, to begin taking the necessary steps toward recovery.
DisasterAssistance.gov This Disaster Assistance Improvement Program website provides disaster survivors with information, support, services, and an electronic form to apply for disaster assistance. It also provides a list of locations that have had disasters where residents may qualify for federal disaster assistance. The Federal Emergency Management Agency manages the program with the help of other federal agencies.
Disaster Loan Assistance The Small Business Administration provides federal disaster loans to businesses, private nonprofit organizations, homeowners, and renters.
Emergency Financial First Aid Kit This kit, designed by the Federal Emergency Management Agency and Operation HOPE, is intended to strengthen financial preparedness for disasters and emergencies.
Financial Preparedness This Federal Emergency Management Agency website provides tips to prepare finances for natural disaster.
How to Organize Your Important Papers Before a Disaster Strikes This article from the Federal Trade Commission provides guidance on how to organize personal and financial documents that may be needed in case of a disaster.
Elder Justice Initiative This U.S. Department of Justice’s website is designed to help people report and resolve financial exploitation incidents.
Fighting Back Against Elder Financial Exploitation This brief guide provides information from the American Bankers Association and the Federal Bureau of Investigation for banks to protect their customers from financial exploitation, including theft and scams. The guide includes red flags for elder financial exploitation and actions that banks can take to recognize, report, and respond to exploitation.
Money Smart for Older Adults The Federal Deposit Insurance Corporation and the Consumer Financial Protection Bureau developed this instructor-led training for older adults and their caregivers on how to prevent elder financial exploitation and to encourage advance planning and informed financial decision making. Each subject is written for older adults and includes an instructor’s guide, a participant’s resource guide and a PowerPoint slide deck that can be downloaded for free.
National Guidelines for Financial Institutions: Working Together to Protect Older Persons From Financial Abuse The guidelines from the National Adult Protective Services Association and related forms promote standardization and clarity among financial institutions and Adult Protective Services on ways to protect older persons from financial fraud.
Psychological Well-Being May Slow Financial and Health Literacy Decline in Older Adults (PDF) This research sponsored by the Financial Industry Regulatory Authority Investor Education Foundation examines data on older adults. The findings suggest that psychological well-being helps stave off a decline in financial literacy and, by extension, promotes independence late in life.
Prevent Elder Financial Exploitation with Alerts to Trusted Contacts and Preventing and Reporting Elder Financial Exploitation The first resource helps to prevent financial exploitation by describing voluntary practices to financial institutions for providing alerts to trusted contacts for older adults. The second resource provides contact information for help in responding to and reporting elder financial abuse. These publications are offered by the Consumer Financial Protection Bureau.
Safe Banking for Seniors This program, sponsored by the American Bankers Association’s Community Engagement Foundation, helps older customers and their financial caregivers understand and mitigate the risks of fraud and financial abuse.
Working With Older Adults The Consumer Financial Protection Bureau provides resources to work with older adults on finances.
CashCourse | Your Real-Life Money Guide This online financial education program provides courses and customizable financial tools such as a budget wizard, worksheets, and calculators, designed for the postsecondary education student.
Essential Courses for Financial Education The Association for Financial Counseling & Planning Education offers self-paced courses to give financial professionals actionable tools and resources to better serve clients from all walks of life.
FAFSA Financial Aid Toolkit This resource provides an overview of the Free Application for Federal Student Aid (FAFSA) Simplification Act with fact sheets, videos, and infographics for career and college access professionals. Outreach videos are available at FSAOutreach on YouTube.
FAFSA Information, Guidance, and Training The Office of Federal Student Aid shares regular FAFSA updates, which includes all information, guidance, and training related to implementation of the FAFSA Simplification Act and the FUTURE Act.
Money Basics Guide to Budgeting and Savings (PDF) Financial educators can use this guide on the National Credit Union Administration’s website to teach people about financial basics, including budgeting and savings.
Paying For College The Consumer Financial Protection Bureau explains the ins and outs of student financial aid and repaying loans to help you make smarter decisions about how to pay for school.
Buying a Home The U.S. Department of Housing and Urban Development website explains the basics of buying a home and what prospective buyers should expect.
CreditSmart Freddie Mac’s financial education website is for home buyers, renters, and others.
Help With Your Housing Journey On this Fannie Mae website, renters, home buyers, and homeowners can find tools, including calculators, checklists, and resources for what to do after a disaster. HomeView Homebuyer Education is a comprehensive course for first-time home buyers.
The Future of Home Ownership & Housing Finance Through the Urban Institutes initiative, the Future of Homeownership and Housing Finance, experts in housing finance, markets, and policy provide data-driven evidence and solutions to tackle the system’s biggest challenges.
Homeownership NeighborWorks America offers strategies to promote successful, sustainable homeownership for people of all income levels and backgrounds.
Homeownership 101 This website is targeted at first-time home buyers and those who are the first in their families to own a home. It provides detailed step-by-step guidance on how to purchase a home and includes a mortgage calculator to calculate monthly payments based on the cost of a home, the down payment, the interest rate, and the cost of insurance and homeowners association dues.
Home Ownership Guide for People with Disabilities and Home Inheritance Guide for People with Disabilities The ABLE National Resource Center (ABLE NRC), managed by National Disability Institute (NDI), created two new guides: Home Ownership Guide for People with Disabilities and Home Inheritance Guide for People with Disabilities. ABLE accounts, which allow individuals with disabilities to save money without affecting their eligibility for public benefits, can be used to cover various housing-related expenses.
Housing Counseling Services The U.S. Department of Housing and Urban Development certifies housing counseling agencies throughout the United States that provide advice on buying a home, renting, defaults, foreclosures, and credit issues.
My Home This Freddie Mac website includes links to calculators and housing counselors to help with housing-related questions. Additionally, the CreditSmart website provides education and tools on money and credit basics, as well as topics for renters, home buyers, and homeowners.
Reverse Mortgage (Home Equity Conversion Loans for Seniors). The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage (HECM) and it is only available through a Federal Housing Administration (FHA)-approved lender.
Unlocking Homeownership Campaign The ABA Foundation launched the Unlocking Homeownership campaign to empower banks to promote homeownership education and counseling. This long-term, multi-channel campaign provides new resources and training for banks to support and complement the work of nonprofit organizations and housing counseling organizations to grow homeownership and wealth generation, particularly in low-to-moderate income communities. Banks can sign up for free to access the resources.
Financial Readiness eNewsletters Your Military Money helps service members and their families achieve personal financial readiness in support of mission readiness; MilSpouse Money Mission educates and empowers military spouses; and Military Financial Service Provider helps financial services providers deliver financial education to service members and their families. The newsletters are published monthly.
MILDOCS The Association of Military Banks of America created this resource to help military families organize important documents.
Military Consumer This joint initiative provides free resources to active duty and retired service members, military families, veterans, and civilians in the military community. Partners include the Federal Trade Commission, U.S. Department of Defense, and Consumer Financial Protection Bureau.
Military OneSource This U.S. Department of Defense program provides comprehensive information on many aspects of military life, including on financial topics, at no cost to active duty, Guard, and Reserve Component members and their families.
Office of Financial Readiness The U.S. Department of Defense’s Office of Financial Readiness provides resources for service members, their families, and financial service providers. Resources include the monthly eNewsletters Your Military Money, MilSpouse Money Mission, and Military Financial Service Provider.
Office of Servicemember Affairs This office of the Consumer Financial Protection Bureau supports service members, veterans, and military families by helping them address unexpected financial challenges and working to protect them in the marketplace.
Veterans Benefits Banking Program The Association of Military Banks of America and U.S. Department of Veterans Affairs developed this program, which provides veterans with a safe, reliable, and low-cost way to receive and manage benefits by depositing funds directly into new or existing bank accounts offered by participating banks. The program offers veterans a free session of financial or credit counseling and access to financial education resources.
Veteran Saves This component of America Saves provided by the Consumer Federation of America is designed to help veterans and their families build financial stability and security. Veteran Saves uses research-based principles of behavioral economics and social marketing to promote savings behavior and motivate action.
Veteran, Service Member, Family Fraud Evasion (VSAFE) This U.S. Department of Veteran Affairs webpage helps military families to learn to detect fraud and protect themselves through education and resources about fraud that targets veterans, active-duty service members, and their families.
Building Native Communities and Investing for the Future The First Nations Development Institute provides financial education, entrepreneurship, home buyer education, and credit counseling programs for Native communities.
Native Financial Education Coalition This coalition of local, regional, and national organizations and government agencies promotes financial education in Native communities.
Oklahoma Native Assets Coalition Financial Coaching This organization provides free financial coaching to American Indians and Alaska Natives wherever they live in the United States. Coaching, which is available by phone and teleconference, includes one-on-one credit counseling, home buyer education, and basic budgeting.
Tribal and Native Resources This page on MyMoney.gov provides financial literacy and educational resources to support the financial capability of tribal families and communities. The page highlights federal agency news and resources for members of tribal and native communities and other stakeholders.
ABA Foundation National Financial Education Programs for 2025-2026 The 2025 national financial education campaigns, encourage banks and their more than two million employees to participate in programs to advance financial health across the country. These programs – Teach Children to Save, Get Smart About Credit, and Safe Banking for Seniors. All the Foundation programs are completely free to both ABA member and non-member banks alike. Interested banks can register at aba.com/FinEd.
Building Your Future The nonprofit Actuarial Foundation offers this financial literacy curriculum for high school teachers.
Council for Economic Education This council provides personal finance and economics curriculums and other resources. For example, its Financial Fitness for Life curriculum presents key concepts in economics and personal finance, using a variety of examples appropriate to particular age groups.
Investor Education Webinars and Teacher Consultation Meetings The Securities Industry and Financial Markets Association Foundation provides these free webinars all school year. They include topics like investment research, introduction to stocks, diversification, and more. The foundation also offers consultation meetings or "office hours" for educators interested in learning more about the foundation's financial education programs and how to incorporate them into their classrooms.
Jump$tart Coalition for Personal Financial Literacy This coalition maintains a clearinghouse of resources that promote financial literacy. The clearinghouse provides some resources in Spanish and other languages. The coalition also provides online teacher training.
Junior Achievement This organization brings volunteers into the classroom to make economic concepts relevant for students in kindergarten through 12th grade. Junior Achievement offers financial literacy programs at every grade level in the classroom and after school.
LifeSmarts This program sponsored by the National Consumers League, enlists local partners to help teens become wise consumers. The game-show style competition is for students in sixth grade through high school.
Money as You Grow and Money Monsters The Consumer Financial Protection Bureau’s website provides tips and activities to help grow children’s money skills, habits, and attitudes. The website also provides stories introduce children to ideas, habits, and activities they will need to manage money as they grow.
MoneySKILL The American Financial Services Association Education Foundation provides this free, online personal finance curriculum. It offers courses in English and Spanish that are designed for middle and high school students and other audiences. Instructors have access to student progress, gradebooks, and hundreds of free digital personal finance activities to supplement each module. The infographic (PDF) and full report (PDF) describe the latest results on student financial behaviors and knowledge gained since 2021.
Money Smart for Young People The Federal Deposit Insurance Corporation provides free curriculums designed to promote financial understanding in young people in kindergarten through 12th grade. The website also provides parent and caregiver guides and other resources.
National Academy Foundation - Academy of Finance This organization provides a school-to-career curriculum in high schools across the country. Banks serve as advisory board members to local affiliates and employ students every summer through the academy’s internship program.
Navigate: Exploring Colleges and Careers The Federal Reserve Bank of Dallas’s publication introduces students to planning for careers and college. This publication is designed for 7th through 9th grade students and includes teacher and student handbooks.
Next Gen Personal Finance for Middle, High Schoolers This Next Gen Personal Finance website offers free curriculum and resources for teaching financial education in middle and high school. Resources include a bank simulator for students to practice navigating an online bank account.
OCC Bulletin 2015-16, Youth Savings Programs: Guidance to Encourage Financial Institutions' Youth Savings Programs and Address Related Frequently Asked Questions The interagency guidance answers common questions, including those related to Customer Identification Program requirements that may arise as banks, savings associations, and credit unions collaborate with schools and other community stakeholders to facilitate youth savings and financial education programs.
Resource Guide for Youth Employment Programs: Incorporating Financial Capability and Partnering With Financial Institutions (PDF) This Financial Literacy and Education Commission document is aimed at youth employment programs interested in enhancing youth financial capability by partnering with financial institutions.
Stock Market Game The Securities Industry and Financial Markets Association Foundation sponsors this online simulation of the global capital markets. The simulation is designed for students in fourth grade through high school and introduces student to economics, investing, and personal finance.
TaxEDU Educational Resources The Tax Foundation provides educational resources on tax policy issues including lesson plans for grades 9 through 12, explainer videos, and a blog series.
Financial Education Evaluation Toolkit This toolkit, offered by the National Endowment for Financial Education, shows how to apply evaluation techniques to programs to document impact. Use this free tool to create assessments that can track your students’ progress on personal finance topics.
Financial Health Pulse This resource from Financial Health Network (FHN) uses surveys and transactional data to track the financial health of people in the United States. Using ongoing surveys and transactional data, FHN in-depth research seeks to understand how the financial health of people in the United States is changing over time.
Infographics on the Effectiveness of Financial Education These shareable documents, sponsored by the National Endowment for Financial Education, summarize research findings on the effectiveness of financial education programs on financial knowledge and behaviors, including in elementary, secondary, and higher education.
National Financial Capability Study This study from the Financial Industry Regulatory Authority Investor Education Foundation provides insights into the financial capability of U.S. adults—including financial knowledge, access, experience, and attitudes.
National Housing and Financial Capability Survey This survey, conducted annually since 2019, by NeighborWorks America focuses on homeownership and community stabilization.
Program for International Student Assessment (PISA) 2022 Financial Literacy Assessment Results This assessment administered by the U.S. Department of Education's National Center for Education Statistics measures 15-year-olds' knowledge and understanding of fundamental elements of the financial world. PISA is developed and organized by the Organization for Economic Cooperation and Development (OECD) and is conducted in the United States by the National Center for Education Statistics (NCES).
Success Measures The NeighborWorks America Success Measures Financial Education and Capability Tools are used to document changes in consumers’ financial attitudes, behaviors, and resilience from financial capability programs. Versions are included for adults and youth.
Survey of Household Economics and Decision Making The Federal Reserve Board conducted this survey, which measures the economic well-being of U.S. households and identifies potential risks to their finances. The survey includes modules on a range of topics including credit access and behaviors, savings, retirement, economic fragility, and education and student loans. This survey contains 2023 data.
Financial Education Exchange The Consumer Financial Protection Bureau’s program provides financial educators, practitioners, counselors, researchers, and others with opportunities to share information and best practices and to learn from free monthly webinars, conferences, and other resources.
Money Management Essentials Course This self-paced, online professional development course developed by the Association for Financial Counseling & Planning Education covers foundational money management steps. New activities, including interactive virtual counseling scenarios, have been added.
NeighborWorks Center for Homeownership Education and Counseling NeighborWorks America offers certifications for homeownership and community development practitioners that align with the National Industry Standards for Homeownership Education and Counseling. Financial capability certifications are designed for financial coaches and financial and housing counselors.
NeighborWorks Training Institutes NeighborWorks America Center offers training and professional development courses for housing counselors, financial coaches, and other professionals.
Financial Empowerment Center Funding The Cities for Financial Empowerment Fund provides funding opportunities for local governments enabling them to learn about bringing professional financial counseling to their communities. Technical assistance, participation in a learning community, and potential match funding are offered every quarter.
Financial Wellness Online Courses These online courses provided by the National Disability Institute expand knowledge of financial wellness strategies to help people with disabilities build better financial futures. The self-paced courses cover topics such as debunking myths and stereotypes, negotiating favorable tax credits and services, and how Social Security disability benefits affect the financial decisions of people with disabilities.
Initiative for Financial Decision-Making | Stanford Graduate School of Business Stanford’s Initiative for Financial Decision-Making synthesizes research, education, technology, policy, and programs to democratize access to financial education.
Invest It Forward This program sponsored by the Securities Industry and Financial Markets Association Foundation provides financial education volunteering opportunities to help youth learn about capital markets.
Investor Bulletin: An Introduction to ABLE Accounts This updated Investor Bulletin from the U.S. Securities and Exchange Commission provides information on the Achieving a Better Life Experience (ABLE) account, which is a tax-advantaged method to save for qualified disability expenses. The bulletin explains who can open an ABLE account, who can be a beneficiary of an ABLE account, and important tax law changes.
Managing Your Finances During Recovery: Financial Help for Recovering Addicts This webpage provides information to address the financial stresses of people in addiction recovery, including tips for individuals and financial literacy programs.
National Endowment for Financial Education This nonprofit organization supports research, evaluation, and innovation on financial education.
Operation HOPE This organization provides financial education, one-on-one coaching, courses on credit score improvement, and pathways toward homeownership and starting a business.
Pro Bono Planner Match The Foundation for Financial Planning's ProBonoPlannerMatch.Org connects nonprofits with Certified Financial Planner professionals who want to provide free financial guidance and advice to underserved populations. Nonprofit organizations can register and post volunteer opportunities on the site. The site also has real-life examples of how pro bono financial planning has affected individuals and families.
Society for Financial Education and Professional Development The organization develops and presents financial literacy and professional development training for individuals and organizations. Programs include Student Ambassador programs and other programs at higher education institutions.
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