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The Financial Literacy Resource Directory provides information on financial literacy and education resources for consumers of all ages. “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, through various means, including classroom education, one-on-one counseling and coaching, technology-based interventions, and self-study.
The resource directory includes links and brief descriptions for some federal government sources and nonprofit organizations that provide financial literacy and education resources, publications, and programs. 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. Users are encouraged to review the interagency Financial Literacy and Education Commission's National Strategy for Financial Literacy for best practices. 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.
OCC Financial Literacy Updates Visit the OCC’s Financial Literacy Update, which is a quarterly newsletter that spotlights programs, publications, and resources sponsored by the OCC, other government agencies, and various organizations.
Community Developments Fact Sheets
Community Developments Insights
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.
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.
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.
MyMoney.gov This resource provides financial education resources from over 20 different federal entities on numerous financial topics. En Español
Consumer Financial Protection Bureau The bureau implements and enforces consumer protection laws and promotes markets for consumer financial products that are fair, transparent, and competitive. Its website includes resources in multiple languages, including Spanish. The site includes resources for consumers, financial practitioners, educators, and professionals and contains research on financial education topics.
Consumer.ftc.gov This Federal Trade Commission website offers consumer information, including videos, a blog, and streamlined articles that highlight actionable, practical tips on a wide range of consumer topics. En Español.
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. En Español
Money Smart This Federal Deposit Insurance Corporation website is a financial education program offering curriculums designed to help individuals outside the financial mainstream enhance their financial skills. Many resources are available in Spanish and other languages.
Social Security Administration's People Like Me The websiteprovides information and tools for people of all ages. Users can sign up for a mySocial Security account to access personalized tools, including estimating future benefits and managing current benefits. Many resources are available en Español and other languages.
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 $60,000 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. Resources are available in Spanish and other languages.
USA.gov This site includes resources and links to information from many different federal government agencies. En Español
Bank On Bank On provides information for current and potential programs that provide access to safe and affordable bank and credit union 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.
Economic Inclusion 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.
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.
Basics of Saving and Investing This investor education and protection guide from Investor Protection Trust can be used in college courses, workplace education, after-school programs, seminars for older adults, and more. The guide includes Basics of Saving and Investing Teacher Training.
Deposit Insurance Resources The Federal Deposit Insurance Corporation provides basic and in-depth deposit insurance information.
Investor.gov The U.S. Securities and Exchange Commission provides news alerts and bulletins for individual investors, tools for understanding and getting started investing, and ways to check on investment professionals. En Español
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. En Español
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. Some resources are available in Spanish and other languages.
Saving Matters The U.S. Department of Labor’s Employee Benefits Security Administration developed this information for employees, small businesses, and employers about saving for retirement. En Español
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 the national credit reporting agencies.
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.
Credit Smart Freddie Mac’s suite of educational resources is designed to empower consumers with the skills and knowledge to assist them through their financial capability and homeownership journey. Some resources are available in Spanish and other languages.
National Foundation for Credit Counseling The foundation connects consumers to nonprofit financial counseling agencies to help manage debt.
IdentityTheft.gov This Federal Trade Commission website helps people report and recover from identity theft. En Español
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. En Español
10 Digital Asset Terms You Should Know This document from the Commodities Futures Trading Commission defines key terms useful for consumers to understand digital assets.
14 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. En Español
Curious About Crypto? Watch Out for Red Flags The Commodities Futures Trading Commission describes what to watch out for in crypto investing.
DisasterAssistance.gov This Disaster Assistance Improvement Program website provides disaster survivors with information, support, services, and a means to apply for disaster assistance. The Federal Emergency Management Agency manages the program with the help of other federal agencies. Resources are available en Español and other languages.
Disaster Loan Assistance The Small Business Administration provides federal disaster loans to businesses, private nonprofit organizations, homeowners, and renters.
Disaster Resource Center This U.S. Department of Agriculture website provides information about specific disasters and emergencies; how to prepare, recover, and help build long-term resilience; and assistance during disaster events.
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. Resources are available in multiple languages.
Financial Preparedness This Federal Emergency Management Agency website provides tips to prepare finances for natural disaster. Resources are available in multiple languages.
AARP Fraud Watch Network This free resource helps consumers learn to spot scams and get guidance from fraud specialists.
Age Well Planner This National Council on Aging tool helps people find customized resources to plan for financial needs and other necessities. Benefits CheckUp connects people to assistance programs.
Elder Abuse Resource Roadmap This U.S. Department of Justice’s website is designed to help people report and resolve financial exploitation incidents.
Financial News and Investment Advice AARP provides financial news and advice on money management to budget effectively, spend wisely, build a nest egg, and live well in retirement. Some resources available En Español.
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. En Español
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.
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. Some resources are available in Spanish.
Federal Student Aid This U.S. Department of Education website provides information about federal student aid, including preparing for college, types of aid, qualifying for aid, applying for aid, and managing student loans.
Financial Aid Toolkit This searchable database is useful for organizations and individuals who interact with, support, or counsel students and families on financial preparations for post-secondary education. The resource is provided by the U.S. Department of Education's Federal Student Aid office.
Working With Students and Young Consumers The Consumer Financial Protection Bureau offers information to those who help students, young adults, and their families manage their money, build credit, save or pay for college, and repay student debt.
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. Resources are available multiple languages, including Spanish.
Homeownership NeighborWorks America offers strategies to promote successful, sustainable homeownership for people of all income levels and backgrounds.
HomeView This Fannie Mae home buyer’s course is available in English and Spanish.
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.
MyHome This Freddie Mac website provides credit, mortgage finance, and home-buying resources designed to assist prospective home buyers and existing homeowners.
Reverse Mortgage Spotlight AARP’s consumer guide explains reverse mortgages.
Armed Forces Financial Guide The Association of Military Banks of America produced this guide to help service members with money management and financial planning through each stage of the military life cycle, from enlisting to separation or retirement.
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. Resources include the Misadventures in Money Management graphic novel.
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.
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.
American Bankers Association Financial Education Programs The American Bankers Association Foundation provides programs and resources for bankers to help them strengthen the financial well-being of their communities. Programs include Get Smart About Credit, Lights, Camera, Save! and Teach Children to Save.
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.
Federal Reserve System Financial and Economic Education
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. Courses are available in English and Spanish. and are designed for students in middle school, high school, and beyond. instructors can access student progress, online gradebooks, and a curated list of digital personal finance activities to supplement each module. Read an evaluation about the impact of MoneySKILL on student financial behaviors and knowledge.
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 This organization provides curriculums and teacher training resources, mainly for secondary school educators.
OCC Community Developments Insights: School-Based Bank Savings Programs: Bringing Financial Education to Students This report discusses how school-based bank savings programs operate.
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.
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.
Financial Health Pulse This resource from Financial Health Network uses surveys and transactional data to track the financial health of people in the United States.
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. The study was initiated in 2009 and is implemented every three years.
National Housing and Financial Capability Survey This survey, conducted annually since 2019, by NeighborWorks America focuses on homeownership and community stabilization.
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 Since 2013, the Federal Reserve Board has 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.
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.
NeighborWorks Center for Homeownership Education and Counseling NeighborWorks America offers nine certifications for homeownership and community development practitioners that align with the National Industry Standards for Homeownership Education and Counseling. These include financial capability for financial coaches and financial and housing counselors.
NeighborWorks Training Institutes NeighborWorks America offers training and professional development courses for housing counselors, financial coaches, and other professionals.
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. En Español
Federal Reserve Education This website provides resources and publications from across the Federal Reserve System for educators, students, and consumers.
Federal Reserve Bank of Kansas City Education This resource offers free economic and personal finance resources for educators, bankers, and consumers.
Global Financial Literacy Excellence Center The center conducts research, provides materials, and hosts events on financial education.
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 sponsors this program to connect financial planners who want to help underserved people and nonprofit organizations.
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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