The CFPB has undertaken a broad array of education initiatives this year, as well as continued or expanded upon prior initiatives. These initiatives are described in more detail in various sections of this report. The CFPB’s financial education research is focused on identifying the knowledge, skills, and habits associated with financially capable consumers as well as identifying effective approaches to improving financial capability and well-being. The CFPB uses the results of this research to refine how it supports consumers’ financial decisions. The CFPB shares the results as they become available so others can look to the findings as they make choices about how to provide financial education that can lead to better outcomes for consumers in America.