Consumer Education and Engagement Division

The Consumer Education and Engagement Division creates opportunities for people to make better decisions about money to meet their own life goals. 

The Division includes six program offices supported by a central front office: Consumer Engagement, Financial Education, Servicemember Affairs, Older Americans, Students and Young Consumers, and Financial Empowerment.

Gail Hillebrand photo

Consumer Education and Engagement

Gail Hillebrand, Associate Director

The associate director of CEE is supported by a central front office team and provides the overall direction for the Consumer Education and Engagement Division.

Division offices

Gene Koo

Consumer Engagement

Gene Koo, Assistant Director

The Office of Consumer Engagement provides tools and resources to help consumers make better choices about money to further their financial well-being, and invites public input to help the CFPB ensure a fair and transparent financial marketplace.

Janneke Ratcliffe

Financial Education

Janneke Ratcliffe, Assistant Director

The Office of Financial Education strengthens the delivery of financial education throughout the United States and creates opportunities for people to obtain the skills to build their financial well-being. 

Seth Frotman

Students & Young Consumers

Seth Frotman, Assistant Director

The Office of Students works to empower students, young people, and their families to make more informed financial decisions about saving and paying for college, accessing safer and more affordable financial products, and repaying student loan debt. The Student Loan Ombudsman provides assistance to borrowers and potential borrowers to resolve questions or issues involving student loans. 

Older Americans

Stacy Canan, Assistant Director

The Office for Older Americans works to improve financial protection for older people and supports sound financial decision making that safeguards their later-life economic security. 

Servicemember Affairs

Paul Kantwill, Assistant Director

The Office of Servicemember Affairs works to improve financial protection for and provide financial education to servicemembers, veterans, and their families.

Daniel Dodd-Ramirez

Financial Empowerment

Daniel Dodd-Ramirez, Assistant Director

The Office of Financial Empowerment promotes a more inclusive and fair financial marketplace, and empowers economically vulnerable consumers to make informed financial decisions by providing tools and information.