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Financial Literacy Council

The North Carolina Financial Literacy Council (FLC) was established by the North Carolina General Assembly in 2009. The FLC, housed within the North Carolina Department of Justice, is responsible for helping to deliver financial literacy education and increase financial literacy among North Carolinians. Those responsibilities include:

  1. Monitoring and assisting the Department of Public Instruction in coordinating the statewide delivery of financial education within the public school system
  2. Identifying programs designed to increase the financial literacy of North Carolinians outside of the public school system
  3. Working to expand access to financial education resources and programs in communities across in North Carolina


The FLC was established through NCGS § 114, Article 8.


The legislated duties of the FLC are:

  • Study and document current financial education programs in North Carolina and best practices across the country.
  • Coordinate activities related to financial education and asset building that occur within various government agencies, private enterprise, and the nonprofit sector to ensure dissemination of resources and information to households across the State.
  • Propose public and private policy, organizational changes, and systemic changes to ensure all North Carolinians have access to training about necessary financial skills and experience with financial services.
  • Consider and make recommendations specifically to address the following issues:
    • Current personal financial literacy programs in the public schools and how to integrate financial education in K-12 to ensure that young people are prepared for financial success.
    • Unique financial issues facing students in higher education and how to address those issues through the community colleges and public and private university systems.
    • Creation of and access to financial products that provide hands-on learning of financial skills.
  • Monitor the outcomes of financial education programs, focusing specifically on the following indicators: improved financial knowledge, improved financial behaviors, and increased access to and use of affordable financial services.
  • Use the talents, expertise, and resources within the State, especially those of the public schools, community colleges, and public and private university systems, as well as the bank and credit union industries, to further its mission.
  • Report annually to the General Assembly and the Governor on the performance of its prescribed duties and on the impact of the financial education activities conducted by State agencies.


Council members are appointed by Gov. Cooper. The current council membership is:

  1. Stuart Mills: FLC Chair. Partners for Children and Families, Inc.
  2. James Morton: Cape Fear Community College
  3. A. Mercedes Restucha: North Carolina Department of Justice
  4. Erin Wilson: North Carolina Department of Labor
  5. Lori Carlin: North Carolina Department of Public Instruction
  6. John Maron: North Carolina Department of the Secretary of State
  7. Christy Farrelly: North Carolina Department of State Treasurer
  8. Sidney Thomas: North Carolina Office of the Commissioner of Banks
  9. Heather Horton: North Carolina Department of Commerce
  10. Javier Carlos: North Carolina Department of Revenue
  11. Dewana Little: Public Member
  12. Muye Akinkuotu: Public Member
  13. Louise Mack: Public Member
  14. Kokou Nayo: Public Member
  15. Melissa Marie Hart: UNC School System
  16. Artie Nicholson Collins: Public Member
  17. Keith A. Epstein: Public Member
  18. Ebonee Streater: Public Member

As of 02/06/2024

Upcoming Events

Below is a list of upcoming FLC meetings, which are held quarterly, and related community events:

Financial Literacy Council 1st Quarter Meeting

Friday, February 2, 2024 at 10 a.m.- 12 p.m.
Meeting access:

Financial Literacy Council 2nd Quarter Meeting

Friday, May 3, 2024 at 10 a.m.- 12 p.m.
Meeting access:

Financial Literacy Council 3rd Quarter Meeting

Friday, August 2, 2024 at 10 a.m.- 12 p.m.
Meeting access: TBD

Financial Literacy Council 4th Quarter Meeting

Friday, November 1, 2024 at 10 a.m.- 12 p.m.
Meeting access: TBD

Additional Resources

North Carolina Department of Public Instruction

North Carolina Office of the State Treasurer

North Carolina Department of Commerce

North Carolina Department of Labor

North Carolina Department of Revenue

North Carolina Council on Economic Education

NC 529 (College Foundation Inc.)

U.S. Department of Education Financial Literacy