1. Your Money, Your Goals A Financial Empowerment Toolkit for Social Service Professionals

2. Introduction to the CFPB Consumer Financial Protection Bureau The CFPB’s mission is to make markets for consumer financial products and services work for Americans. 2

3. An Introduction to the CFPB Consumer Financial Protection Bureau The CFPB’s mission is to make markets for consumer financial products and services work for Americans. Ensuring that consumers get the information they need to make financial decisions they believe are best for themselves and their families – that prices are clear up front, that risks are visible, and that nothing is buried in fine print. 3 CFPB Your Money, Your Goals Toolkit

4. An Introduction to the CFPB Education. An informed consumer is the first line of defense against harmful practices. Enforcement. CFPB supervises banks, credit unions, and other financial companies, and enforces Federal consumer financial laws. Study. The CFPB gathers and analyzes available information to better understand consumers, financial services providers, and consumer financial markets. 4 CFPB Your Money, Your Goals Toolkit

5. CFPB and the Financial Empowerment Toolkit for Case Managers Case managers like you: Meet with consumers that need high quality, unbiased financial information and tools to help them become financially empowered. Have the trust of the people you work with. AccessTrust Opportunities for Providing Financial Empowerment 5 CFPB Your Money, Your Goals Toolkit

6. Financial Empowerment Financial Education Financial Literacy Ability Financial Empower- ment 6 CFPB Your Money, Your Goals Toolkit

7. Your Money, Your Goals Your Money, Your Goals (YMYG) is the Consumer Financial Protection Bureau’s toolkit that social services organizations can use to help their clients set goals, choose financial products and build skills in managing money, credit, and debt. Designed for use by case managers (and other frontline staff) with their clients Toolkit, not a curriculum: Case managers use tools and information as needed Free! and available in English & Spanish Core toolkit, plus: slides, trainer guide, creating a referral guide, implementation guide 7

8. Organization of the CFPB FE Toolkit Do not treat like a curriculum—the goal is not to get through all of the materials in the order they are presented. Access only those parts of the Toolkit that match your clients’ needs. Use discussions with clients or assessments to figure out where to start. 8 CFPB Your Money, Your Goals Toolkit

9. Organization of Your Money, Your Goals Introductory modules Module 1: Introduction to the toolkit Module 2: Assessing the situation Module 3: Starting the conversation Module 4: Emotional & cultural influences on financial decisions Module 5: Using the toolkit 10

10. Organization of Your Money, Your Goals Content modules Module 6: Setting goals Module 7: Saving for the unexpected, emergencies, & goals Module 8: Managing income & benefits Module 9: Paying bills & other expenses Module 10: Managing cash flow Module 11: Dealing with debt Module 12: Improving credit reports & scores Module 13 Evaluating financial service providers, products, & services Module 14: Protecting consumers rights 11

11. Opportunities for Providing Financial Empowerment Assessment Situational context Frequency of contact Level 1: One-time client contact Level 2: Infrequent client contact Level 3: Frequent and regular client contact Level 4: Extensive client contact 11 CFPB Your Money, Your Goals Toolkit

12. Your Money, Your Goals at consumerfinance.gov http://www.consumerfinance.gov/your-money-your-goals 9

13. Resources 19