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.

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.


Housing and Credit Counseling, Inc. (HCCI), HCCI celebrates 50 years of nonprofit service in its mission to counsel and educate all people to achieve their personal housing and financial goals. HCCI’s HUD approved free housing and financial counseling (since 1978) helps families budget, reduce debt and build credit. HCCI’s free Tenant and Landlord Counseling helps renters and landlords know their rights and responsibilities under federal and Kansas law. HCCI’s free home buying counseling helps people be pre-approved for mortgage loans.

HCCI employs HUD Exam-Certified Counselors. HCCI is accredited by the Council on Accreditation for Children and Families; licensed and regulated by the Office of the Kansas State Bank Commissioner; a member of the National Foundation for Credit Counseling and has an A+ rating from the Better Business Bureau. HCCI counsels by phone and Zoom in a 26-county region including Emporia, Lawrence, Manhattan, Topeka (home office) and the Johnson-Wyandotte metropolitan area

Kansas 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.

The Personal Finance Challenge is 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.

The 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.


Request an OSBC Speaker

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 Form to provide details about your event

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