The Office of the State Bank Commissioner provides consumer education through outreach programs, building on partnerships with various state agencies, housing counselors and community organizations. Fees collected by our office provide funding for the Delaware Emergency Mortgage Assistance Program (DEMAP) administered by the Delaware State Housing Authority, and also for the Financial Literacy Education Fund (FLEF). Our office coordinates the process for the annual award of FLEF grants to schools and non-profit organizations.

Top web sites for consumers to gain financial knowledge and learn how to avoid fraud are:

• www.ftc.gov/moneymatters The Federal Trade Commission (FTC), the nation’s consumer protection agency, created this website to help you tackle some money issues head-on. Practicing positive, tried and true money management techniques – and learning how to recognize and avoid some “ripped from the headlines” consumer scams and rip-offs – can help you weather tough economic times.
• www.annualcreditreport.com – Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report by phone 877-322-8228 or at this web site. Each resident of Delaware gets 3 free credit reports a year, one from each of the three credit reporting agencies.
• www.fdic.gov/consumers/ Find resources provided by the Federal Deposit Insurance Corporation (FDIC) to educate and protect consumers, revitalize communities, and promote compliance with the Community Reinvestment Act and fair lending laws.
• To learn more about opening an account at an FDIC-insured bank, go to:  www.fdic.gov/GetBanked