List of Resources
The FTC also offers a separate website that offers consumer protection basics in a plain and simple manner.
Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau (CFPB) mission is to make markets for consumer financial products and services work for Americans — whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. CFPB is an independent agency of the U.S. government responsible for consumer protection in the financial sector. Its jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage servicing operations, foreclosure relief services, debt collectors, and other financial companies operating in the U.S. The CFPB works to educate, enforce and study about consumer financial protection.
Federal Deposit Insurance Corporation
The FDIC is a United States government corporation that operates as an independent agency, providing deposit insurance guaranteeing the safety of a depositor’s account. The FDIC also examines and supervises certain financial institutions for safety, performs consumer protection functions, and manage banks in receiverships. The FDIC provides access to resources to educate and protect consumers, revitalize communities, and promote compliance with the Community Reinvestment Act and fair lending laws.
Federal Reserve Bank
The Federal Reserve System is the central bank of the United States. The 12 Federal Reserve Banks form a major part of the Federal Reserve System. The main Federal Reserve website provides useful information for consumers and also on community development. A number of the Federal Reserve banks work extensively in Indian Country on consumer issues and community development.
Federal Trade Commission
The Federal Trade Commission (FTC) is a bipartisan federal agency with a mission to protect consumers and promote competition. FTC is dedicated to advancing consumer interests while encouraging innovation and competition in the American dynamic economy. In addition to consumer tips and advice on their website, the FTC also offers www.consumer.gov (see below.)
Helpwithmybank.gov helps individual’s find answers to questions regarding national banks and federal savings association.
Investor.gov is an online resource of the SEC that helps individuals invest wisely and avoid fraud. The Office of Investor Education of the SEC produces information to help individuals become a better-educated investor, it offers educational seminars, annual teacher training program focused on financial education, and partners with federal agencies, state regulators, and other investor literacy initiatives.
MyMoney.gov is the U.S. Treasury’s website dedicated to teaching all Americans the basics about financial education. MyMoney.gov has several resources ranging from buying a home, balancing a checkbook, or investing in a 401(k), these resources can help maximize an individual’s financial decision.
Office of the Comptroller of the Currency
The Office of the Comptroller of the Currency (OCC) is to charter, regulate, and supervise all national banks and federal savings association. The OCC produces a directory that provides information on financial literacy resources, issues and events that are important to bankers, organizations, and consumers of all ages. The directory includes descriptions and contact information for a sampling of organizations that have undertaken financial literacy initiatives as a primary mission, government programs, fact sheets, newsletters, conference materials, publications, and links to Web sites. To link to the directory, click on the link to the right and type in “financial education” in the Search box.
TreasuryDirect is run by the United States Treasury and allows American individuals investors to purchase Treasury securities from the United States government. The website allows money to be deposited from and withdrawn to personal bank accounts, and allows rolling repurchase of securities as the currently held item mature.
U.S. Department of Agriculture
The U.S. Department of Agriculture is the U.S. federal executive department responsible for developing and executing federal government policy on farming, agriculture, forestry, and food. The Department of Agriculture aims to meet the needs of farmers and ranchers, promote agriculture trade and production, work to assure food safety, protect natural resources, foster rural communities, and end hunger in the United States and abroad.
U.S. Department of Labor
The U.S. Department of Labor is a cabinet level department of the U.S. federal government and is responsible for the occupational safety, wage and hour standards, unemployment insurance benefits, re-employment services, and some economic statistics. The Department of Labor has deemed financial education, asset development, and work & tax incentives critical to improving the economic self-sufficiency of all workers, and maybe important for people with disabilities as well.
U.S. Department of Treasury
The Treasury Department is the executive agency responsible for promoting economic prosperity and ensuring the financial security of the United States. The role of the Treasury is the steward of the U.S. economic and financial systems, and as an influential participant in the world economy. The Treasury Department. Treasury offers many financial education resources (see link) in addition to the MyMoney.gov website. Treasury also oversees the President’s Advisory Council on Financial Capability for Young Americans and the Financial Literacy and Education Council.
U.S. Securities and Exchange Commission
The U.S. Securities and Exchange Commission (SEC) mission is to protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation. The SEC Office of Investor Education and Advocacy offers many resources and also the website below: www.investor.gov.
U.S. Small Business Administration
The Small Business Administration (SBA) was founded on July 30, 1953 and provides support to entrepreneurs and small businesses. SBA has delivered millions of loans, loan guarantees, contracts, counseling sessions and other forms of assistance to small businesses. SBA provides assistance primarily through four programmatic functions: Access to Capital (Business Financing), Entrepreneurial Development (Education, Information, Technical Assistance and Training), Government Contracting (Federal Procurement), and Advocacy (Voice for Small Business).
AARP, Inc. is a nonprofit, nonpartisan organization with a membership of more than 37 million. It is a membership organization for people age 50 and over. AARP advocates for consumers in the marketplace by selecting products and services of high quality and value. AARP is a trusted source for lifestyle tips, news and educational information, and produces AARP The Magazine.
AARP Financial Widgets
American Bankers Association
The American Bankers Association is the voice of America’s $13 trillion banking industry, representing banks of all sizes and charters, from the smallest community bank to the largest bank holding companies.
The Aspen Institute
The Aspen Institute is an educational and policy studies organization based in Washington, DC. Its mission is to foster leadership based on enduring values and to provide a nonpartisan venue for dealing with critical issues.
Better Money Habits
Bank of America and the Khan Academy have created financial education collaboration. The online program will allow consumers with free, self-paced, easy-to-understand resources to develop better money habits.
Black Enterprise is the premier business, investing, and wealth-building resource for African Americans. Black Enterprise has provided essential business information and advice to professionals, corporate executives, entrepreneurs, and decision makers.
Capital One Financial Corporation
Capital One is a U.S. based banking holding company specializing in credit cards, home loans, auto loans, and banking and savings products.
Council for Economic Education
The Council for Economic Education (CEE) is a non-profit organization that delivers economic education and financial literacy to K-12 students. The CEE focuses on six subject areas: 1.) Earning income 2.) Buying goods and services 3.) Saving 4.) Using credit 5.) Financial investing 6.) Protecting and insuring assets
Community Financial Education Foundation
The Community Financial Education Foundation’s mission is to educate the American public and reach underserved communities by teaching meaningful financial life skills, encouraging positive financial behaviors, and providing access to outcome-based, educational resources over the long-term. The Community Financial Education Foundation (CFEF) is a non-profit 501(c)(3) national financial literacy foundation based in Washington, DC. Founded in 2007, CFEF expanded the scope of the founders’ vision and now offers free financial education workshops across the spectrum of personal finance topics. CFEF reaches underserved community groups across America and those in need of getting started or back on track to financial responsibility. We promote this initiative as “My Starting Point”.
Click To Empower – The Allstate Foundation
Research shows a factor that explains why domestic violence continue their relationship with their abuser is the lack of financial understanding and financial resources.” Economic abuse” affects many women each year and prevents victims from obtaining and using financial resources. The Allstate Foundation has taken action to address economic abuse by providing domestic violence survivors with financial knowledge, skills, resources, and economic empowerment.
Charles Schwab Foundation
The Charles Schwab Foundation is a private, non-profit organization fashioned by The Charles Schwab Corporation. The organization aids individuals and families through the support of financial education, volunteerism, and advocacy.
Consumer Federation of America
The Consumer Federation of America (CFA) is an association of non-profit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education.
Economic Awareness Council
The EAC is a non-profit organization whose mission is to prepare students and families for financial decisions they will make. The EAC’s objective is financial education in the areas of saving, budgeting, banking, credit, investing, and business. The EAC provides financial education from kindergarten through college and to families.
Financial Services Roundtable
The Financial Services Roundtable (FSR) is the leading advocacy organization for America’s financial service industry. Members of FSR include bank, insurance, asset management, finance and credit card companies whom FSR helps to understand policies regulations, and provide input to help shape them.
First Nations Development Institute
First Nations Development Institute believes when Native Peoples have appropriate resources they are capable to ensure the sustainable, economic, spiritual and cultural well-being of their communities. First Nations invests and creates innovative institutions and models that strengthens asset control and supports economic development for American Indian people and their communities. First Nations also helps to improve economic conditions through technical assistance and training, advocacy and policy, and direct financial grants.
FINRA Investor Education Foundation
FINRA is an independent, not-for-profit organization dedicated to investor protection and market integrity and has created the FINRA Investor Education Foundation. The foundation offers knowledge, skills and tools necessary for financial success to underserved Americans.
Gallup, Inc. is a research based global performance-management consulting company. The Gallup, Inc. is famous for its public opinion polls that are conducted in the United States and other countries. Gallup, Inc. works with major businesses and organizations around the world.
Jump$tart Coalition for Personal Financial Literacy
The Jump$tart Coalition for Personal Financial Literacy is a non-profit coalition that seeks to enhance financial literacy among students starting from pre-kindergarten throughout college age individuals. Jump$tart’s primary goal is to equip the youth with the skills of positive financial decision-making.
Junior Achievement is a non-profit youth organization founded in 1919. Junior Achievement works with local businesses and organizations to deliver experiential programs on the topics of financial literacy, work readiness, and entrepreneurship to students in kindergarten through high school.
The Khan Academy is a non-profit educational website founded by Salman Kahn, a graduate of MIT and Harvard Business School. The mission of the Khan Academy is to provide “a free world-class education for anyone anywhere”. The website features over 700 micro lectures and tutorials in the subjects of mathematics, history, healthcare, medicine, finance, physics, chemistry, biology, astronomy, economics, cosmology, organic chemistry, American civics, art history, macroeconomics, microeconomics, and computer science.
MasterCard is a technology company and payments industry leader. MasterCard has been a driving force at the heart commerce, making the global economy safer, more efficient, more inclusive and more transparent for all.
Money As You Grow
Money As You Grow was created by an initiative from the President’s Advisory Council on Financial Capability and offers a range of age appropriate financial lessons along with activities. This website prepares children with the knowledge needed to live positive fiscal lives.
Money As You Learn
Money As You Learn provides educational tools to incorporate personal finance into the Common Core State Standard in Mathematics and English Language Arts and other classes as well as after-school programs. The information provides students with core personal finance knowledge and proficiency. The tools given help students enhance problem solving, research, and analysis skills.
Money Matter$ Make It Count
Money Matters promotes financial responsibility and independence among ages 13-18. Participants learn how to manage a checking account, create a budget, save and invest, start small businesses, and pay for college.
National Endowment for Financial Education
The National Endowment for Financial Education (NEFE) is a nonprofit foundation with the purpose to improve knowledge and awareness about financial matters among Americans. NEFE provides a myriad of free information and toolkits to equip individuals with the necessary skills to take control of their financial future.
NeighborWorks America is a congressionally chartered nonprofit organization that supports community development in the United States. NeighborWorks America provides grants and technical assistance to 235 U.S. community development organizations and provides training through its national training institutes.
Network for Teaching Entrepreneurship
The Network for Teaching Entrepreneurship (NFTE) delivers programs that inspire youth from low-income communities to stay in school, to recognize business opportunities and to plan for successful futures. NFTE is a classroom-based program that uses entrepreneurship curricula that teaches math and literacy skills in the context of building a business plan.
Operation HOPE, Inc.
Operation HOPE, Inc. is a non-profit organization that provides financial literacy empowerment for youth, financial capability for communities, and ensuring financial dignity for all. OPI works within America’s inner city communities and in global communities.
PNC Financial Services Group, Inc.
PNC Financial Services Group, Inc. is an American financial services corporation.
The Simple Dollar Debt Payoff Calculator
The Simple Dollar’s calculator is set up to help you get a handle on all of your debt.
TD Bank – WOW!Zone
The TD Bank WOW!Zone is a comprehensive financial literacy program. TD Bank’s goal is to provide children and teens with information about money, savings, banking, and investing. The program is designed to be interactive, educational, and fun. TD Bank WOW!Zone lesson plans are supported with activities that are age appropriate for grades K-12.
Wells Fargo & Company
Wells Fargo is an American multinational banking and financial services holding company with operations around the world.
Aflatoun – Child Savings International
Aflatoun – Child Savings International is a non-governmental organization (NGO) that provides educational outreach to children, teaches children about their rights and responsibilities, and delivers financial education resources. Aflatoun empowers children to make positive financial changes in their life that hopefully in the future will break the cycle of poverty. Aflatoun was founded by Jeroo Billmoria, a social entrepreneur and the founder of several award-winning international NGOs.
The Grameen Foundation is a global non-profit organization that works to expand and replicate the Grameen Bank microfinance model around the world through a global network of partner microfinance institutions. The mission of the Grameen Foundation is, “To enable the poor, especially the poorest, to create a world without poverty”.
Heidrick & Struggles
Heidrick & Struggles International Incorporated is a global executive search firm. The company provides services to a wide spectrum of industries, and focuses on identifying, evaluating, and recommending candidates for senior level executive positions for corporations and enterprises around the world.
The World Bank Group
The World Bank Institute launched a Global Program on Consumer Protection and Financial Literacy with the objectives to make financial literacy more understandable, refine business practices, help consumers revolve issues when a financial institute makes a mistake, and build financial confidence. The website features resources and country reports.
Clyde Anderson has over 12 years invested in the personal finance sector and over 400 CNN appearances, Clyde has guided thousands from coast to coast, consulted with hundreds of national corporations and trained dozens of industry professionals in the fashions of economic empowerment education.
Michelle Singletary – The Washington Post
Michelle Singletary is a newspaper columnist for the Washington Post. Her award-winning column “The Color of Money” provides insight into the world of personal finance. Michelle Singletary offers advice for personal finance questions and other related topics.
Moneywise with Kelvin Boston
Moneywise with Kelvin Boston is the nation’s premiere multicultural financial and business affair program. Each episode teaches viewers the necessary skills to understand basic financial planning concepts, increase net worth, and use financial resources more effectively.
HelloWallet examines the user’s financial information and places the information into charts. This allows the user to set financial goals and track progress. HelloWallet monitors the users spending behavior patterns and offers suggestions based off the patterns. HelloWallet is available as an Internet application and mobile application. The application is free to download but the user needs an account to access HelloWallet. The cost to be an account holder is $8.95 a month.
Mint is a free online resource that pulls together the user’s financial accounts into on place. The website allows the user to track bank, credit card, investment, loan transactions, and balances through a single user interface. Mint is available as a mobile app in the Apple App Store and in Google Play. The Mint app allows a user to organize their spending into categories (i.e. restaurants, gas, groceries). The user is able to set a budget based on these categories and keep track how well they stick to their budget and where money is overspent.