The CFPB has developed a strategy and a range of initiatives to help consumers take control over their financial lives. Broadly, this strategy recognizes that financial literacy and financial capability require more than simply providing consumers with more information. Being able to manage one’s financial life and make the financial decisions that will serve one’s life goals requires a combination of knowledge, skills, and action. For that reason, the Bureau has pursued a strategy that focuses on identifying how, where, when, and through whom the Bureau can provide assistance to consumers for maximum benefit. The Bureau then develops and implements initiatives to carry out those approaches.