This report has two purposes. The first is to document some of the lessons learned from conducting a financial literacy course on behalf of Houselink Community Homes over the winter of 2013/14. We want to share these insights with others who work with consumer survivors and low-income people. The second purpose is to shine some light on issues we are often unaware of when we design financial literacy courses. Not all of these issues can be resolved by teaching yet more financial literacy. That’s because consumer protection in the world of banks and financial products is woefully inadequate—especially if you are poor.