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


Presented by Housing and Credit Counseling, Inc
An Office of the State Bank Commissioner funded program

HCCI, in partnership with the Kansas Office of the State Bank Commission (OSBC), offers families and individuals the Keep Life $enSible program. Financial well-being is the goal of financial education. This program is designed for Kansas consumers to improve their financial skills and move into overall financial well-being. By improving financial skill, consumers ultimately improve their financial behavior and financial situation.

  • Financial Skill is defined as - How you find, process, and use relevant financial information.
  • Financial Well-being is defined as - Your perceived financial security and freedom of choice.
  • Financial Behavior is defined as - Day-to-day actions you take to secure your financial life.
  • Financial Situation is defined as - The objective facts of your financial life.

Financial Skill can always be developed, and it is never too late to learn and implement useful budgeting and planning skills. Many people are intimidated by financial matters, but as HCCI proves - education is the key. HCCI and OSBC work to make financial literacy and money management tools available to Kansans so they can take control of their financial situation and plan for a successful future. Our hope is when you attend Keep Life $enSible classes you will gain practical knowledge that helps you in all facets of life.

Classes are provided for schools, training centers, work places, military members, and at the request of nonprofit agencies, banks and credit unions. Typical classes - including Q&A - are one-hour in length. The content and length of each class can be modified to meet the needs of the audience. Contact HCCI to discuss options.

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 brings a bit of "reality" to students through a 75-minute interactive and engaging personal finance simulation. Students imagine their life as a 26-year-old and complete an online lifestyle survey. This information is entered into The Pando Initiative's trademarked software, along with their current GPA, to create a unique and individualized future scenario. Each scenario includes the student's monthly income, credit card debt, student loan information, as well as marital and family status. Students are given a checkbook register to track their monthly purchases from the 12 booths representing services and/or products that adults typically must purchase or consider each month. Sometimes they must return a "purchase" and make a different decision. The checkbook register can't fall below zero!
This event actively engages students to help them understand the importance of how their performance in school today impacts their future. It also provides the community an opportunity to share in local students' learning and developing an understanding of the world of work.

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.



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






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 June 1st
Outcomes Report due by August 1st following the grant period



Grant Outcomes Report