We are proud to share our 2025 Year in Review! Together with our community partners, we’ve worked to dismantle financial barriers and build a fairer San Francisco.

Economic justice means building systems that work for people. We’re ready to continue this work in 2026. Read the full Top 10 list now!

“The Public Service Loan Forgiveness program helps ensure that people who dedicate their careers to serving our communities can achieve financial stability,” said Treasurer José Cisneros. “For many public employees, this program makes it possible to pursue meaningful work in government and nonprofits while managing the burden of student debt. Protecting PSLF is essential to supporting a strong, committed public service workforce.”

Are you prepared for an unexpected emergency that may impact you or your loved ones? Check out these tips to help you plan for unexpected disruptions to you or your family’s life.

Opening a bank account is a key step toward financial stability, allowing young people to securely manage their money and save for the future. Without a bank account, people often rely on costly and risky alternatives like check-cashing services and payday loans.

This brief provides a guide for localities and financial institutions on supporting youth financial inclusion through noncustodial bank accounts. We hope to inspire more institutions to help young people save and become financially independent.

“As we celebrate 20 years of the Working Families Credit, we are reminded that the most efficient and effective way to help struggling families is to put money directly into their hands,” said Treasurer José Cisneros. “Families know best how to address their own needs. By trusting families to make the right choices, we not only uplift individual households but also strengthen the financial resilience of our entire community.”

OFE examines branch availability across neighborhoods and find that the Fillmore and Japantown are among the areas in San Francisco with meaningfully lower levels of full-service physical banking access. The Fillmore, in particular, is within a broader region that lacks robust bank branch access. This report offers recommendations to community members, policymakers, and financial institutions.

When a financial emergency strikes, you may be looking for a quick, relatively small loan to get you through to your next paycheck. Here are some things to think about as you look through your options, plus a calculator to compare the costs of different flat-fee loans.

Kindergarten to College (K2C) has automatically provides every K-12 public school student with a K2C account at Citibank seeded with $50 for their future education. The first findings from K2C’s evaluation show positive and promising effects:

- K2C increased college enrollment for historically underrepresented students, closing 30% of the gap with historically represented students.

- K2C increased college enrollment for historically underrepresented students, closing 30% of the gap with historically represented students.

Treasurer José Cisneros announced today that his Office’s free, one-on-one financial counseling program has helped clients to eliminate four million dollars in debt, and is today relaunching as the San Francisco Financial Empowerment Center (FEC).

"Financial counseling is an essential tool in our fight for economic security in San Francisco," said Treasurer José Cisneros. "I encourage anyone who lives, works or receives services in San Francisco to make an appointment with a financial counselor today to get help eliminating debt and saving for your future."

The Smart Money Coaching (SMC) program has become a Financial Empowerment Center (FEC). FECs are a national financial counseling model championed by the Cities for Financial Empowerment Fund. The transition provides San Francisco's program with access to infrastructure and a valuable learning community to strengthen services and continue growing. This report reflects on SMC's achievements in its first eight years (2015-2023) and outlines the next chapter of the program’s exciting evolution.

Newcomers face unique financial challenges, particularly when you have recently arrived to the United States. Establishing a secure financial foundation is critical to providing for your family and accomplishing your life goals in a new country. The San Francisco Office of Financial Empowerment (OFE) and Office of Civic Engagement and Immigrant Affairs (OCEIA) created this roadmap to guide newcomers on initial steps you can take toward greater financial inclusion.

City Attorney David Chiu and Treasurer José Cisneros issued statements today applauding the United States Supreme Court's decision in CFPB v. Community Financial Services Association of America, which ruled that the Consumer Financial Protection Bureau’s (CFPB) funding method is constitutional. The decision is a victory for the CFPB, as it ensures their ability to continue protecting consumers from predatory financial practices.