Consumer Education

The Kansas Office of the State Bank Commissioner assists the following agencies in their efforts to educate and provide financial literacy programs to Kansas consumers of all ages.


Calendar of Educational Events

Housing and Credit Counseling Logo LogoHousing and Credit Counseling (HCCI) - HCCI is a non-profit agency founded in 1972. HCCI provides counseling and education about budgeting, credit, debt repayment, mortgage delinquency, rental housing issues, student loan repayment, homeownership opportunities and reverse mortgages for persons age 62 and older. HCCI is certified by HUD and accredited by the Council on Accreditation. HCCI is a member of the National Foundation for Credit Counseling and is registered and regulated in Kansas by the Office of the State Bank Commissioner.






Consumer Credit Counseling Service LogoConsumer Credit Counseling Service (CCCS) - CCCS is a non-profit community service organization with a mission to empower individuals through education and counseling to make sound financial decisions. They provide educational presentations at Kansas schools and organizations, as well as services from their offices located in Salina and Wichita, to increase financial literacy. CCCS focuses on getting in touch with our youth to provide working tools to avoid financial pitfalls they may encounter as adults. They also assist Kansas families with debt reduction strategies, improving basic money management skills, and student loan counseling options. CCCS is a member of the National Foundation for Credit Counseling, a HUD certified housing counseling agency, accredited by the Council on Accreditation for Children and Families, and registered and regulated in Kansas by the Office of the State Bank Commissioner.


Pando Initiative LogoThe Pando Initiative - connects with students to help them engage and thrive in education and their future. By helping students take responsibility for their lives, they develop attitudes, skills and motivation necessary to THRIVE.






Reality U is a life simulation workshop that builds financial literacy for teens. Before attending Reality U, students complete a lifestyle survey. The survey enables the students to describe their lives as 26-year-olds: their jobs, family, homes, even shopping habits and entertainment; then their responses are linked to their current school performance (GPA). Students are provided a scenario the day of the event that reflects their unique financial future including an assigned job, monthly income, family status, student loans and credit score. They are then challenged to make ends meet using their salaries to purchase all the necessities of life: transportation, childcare, groceries, homes, utilities, etc.; plus budget for fun things like vacations and entertainment. This unique experience not only educates students about important personal financial literacy concepts, but helps them to realize the importance of school and their academic performance.

Kansas Council for Economic Education LogoKansas Council for Economic Education works with individual teachers to help integrate more economic and personal finance concepts into their existing curriculum. Through economic and financial literacy education, Kansas students will become more knowledgeable consumers, wise savers and investors, more responsible citizens and better employees. The following programs are available FREE to Kansas schools through support from the OSBC.


Personal Finance Challenge - an engaging competition for students learning about personal finance in the classroom. Working as individuals and on teams, students will be tested on their knowledge of facts and terms relating to finances. Spending & Credit, Saving & Investing, and Income & Money Management are the topics for each round. High scoring teams from the preliminary rounds will be invited to compete at the in-person state competition in the spring.
The Personal Finance Challenge is available to middle school (grades 6-8) and high school (grades 9-12) students.



Poster Contest No student is too young to learn about economics! Give your students an opportunity to be creative and expand their knowledge as they illustrate economics. It's easy…Introduce & teach economics concepts using KCEE's resources, let your students draw a poster illustrating one of six key concepts, and send in the posters.
The Poster Contest is available to students K-8



LifeSmarts an educational opportunity to develop students' consumer and marketplace knowledge and skills. Content and competition questions focus on Personal Finance, Health and Safety, Environment, Technology and Telecommunications, and Consumer Rights and Responsibilities.
LifeSmarts offers Varsity (9-12) & Junior Varsity (6-8) Competitions



Everfi LogoEverFi provides a series of online platforms that can scale across all communities and deliver a results-driven program that allows student and adult learners to track their progress and develop their proficiency as sound financial citizens and future consumers. EverFi Financial Literacy is available FREE to all Kansas schools and EverFi @Work is FREE to all Kansans in the Kansas Financial Learning Center at www.KansasMoney.gov. .



EverFi Financial Literacy - an innovative and interactive way to bring complex financial concepts to life for students. Nine modules include Savings, Banking, Credit Cards and Interest Fees, Credit Scores, Financing Higher Education, Renting versus Owning, Taxes and Insurance, Consumer Protection, and Investing.

EverFi @ Work - Flexible financial wellness learning platform for busy adults. Learning modules range in length from 2-10 minutes long. Topics include Savings and Investments, 529 Savings Plans, Payment Types and Credit Cards, Credit Scores and Reports, Identity Protection, Insurance and Taxes, Financing Higher Education, Mortgages, Retirement 101, Overdrafts, Payday Loans, Auto Loans, Prepaid Cards, Mobile Payments, Estate Planning, and Building Emergency Savings.




The Office of the State Bank Commissioner has staff available to present general information about our office, scope of regulation, and consumer services we provide. A Subject Matter Expert may also be able to present information on specific topics within the OSBC jurisdiction. Please use our Speaker Request FormPDF Icon to provide details about your event.


Consumer Education Grants Applications due July 1st
Outcomes Report due by August 1st following the grant period


Grant Guidelines and Application

Grant Outcomes Report