Meet Paul S. Richard, ICFE Executive Director
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Meet Paul S. Richard
Executive Director of the Institute of Consumer Financial Education

Paul S Richard PhotoMeet:
Paul S. Richard,

Who Is:
Executive Director of the Institute of Consumer Financial Education, (ICFE) a nonprofit, educational foundation, established in 1982.  Paul is a 27 year veteran of financial education leadership and is a nationally recognized personal finance authority, a bankruptcy reform advocate, a published author of books and articles, an educator, a savings advocate, a public speaker, a seminar leader and who is often a quoted authority in a wide variety of print and broadcast medias, including the Associated Press, NBC News and Fox News. A partial list is below.

Who Says:
'Because money doesn't come with instructions, education about money is one of the keys to having it." - "When it comes to saving money some people will stop at nothing." - "Americans are spending all of their income, but, they are planning to save all of their IF-come."

Background / Qualifications
Paul S. Richard, since 1984, served as vice president-director of education for the nonprofit, Institute of Consumer Financial Education (ICFE) a/k/a  the National Center for Financial Education (NCFE).   He was designated as a "Certified Consumer Interviewer on the Fair Credit Reporting Act, in August 2002 by the Consumer Data Industries Association.

He was creator of the DOLLARPLAN Personal Finance Courses, which is now known as the ICFE's "Money Instruction Book."  The course is made available through community colleges, adult education programs, credit unions, etc. As part of the personal finance course, he has trained a nationwide corps of over 450 financial and insurance planners as personal finance course instructors. He also established the ICFE's Speakers Bureau.

In 1988 he created warning stickers for credit cards: "WARNING: Overuse Can Be Dangerous To Your Wealth!"  There are now over 1 million stickers distributed internationally.   In 1989,  he developed the "Do-It-Yourself Credit Repair Kit", now known as the ICFE's  "Do-It-Yourself Credit File Correction Guide" with over 50,000 in use.  In 1990 he co-created the ICFE's "Credit Card Condom," also with over a million in circulation, they have been featured on ABC's Good Morning America, CBS and NBC Nightly news, the Wall Street Journal and many other medias.  In 1996 he served as the technical consultant to the producers of ABC's Schoolhouse Rock, "Money Rock" video, featuring seven song about money.  He edited the nationally recognized and often quoted newsletter: "The MOTIVATOR." He established the ICFE's presence on the internet in 1996 at

In March 2001 he reintroduced "Credit Card Warning Labels" in three new versions: "WARNING: Overuse is Dangerous"   "Should I Charge It?" and "Can I Afford It?"  In  May  2001 the ICFE introduced new label:  "If You Can Eat It, Drink It, or Wear It, It is NOT an  EMERGENCY!"  Beginning in 2001, he was appointed a personal management education (PME) presenter for the U.S. Navy and Marines giving his "Spend Yourself Rich" talk before enlisted military members at Camp Pendleton and Miramar MCAS, California sponsored by the Navy-Marine Association.

He is a former member of the Board of Directors of the National Jump$tart Coalition for Financial Literacy for Youth, and he serves on a task force at San Diego State University called "California Student Debt Resource and Awareness Project".  He is a member of the San Diego Advisory Board for Springboard, nonprofit consumer credit management.  He serves on the organizing committee of San Diego Saves, an off shoot of America Saves.

For more information contact Paul S. Richard -  ICFE Executive Director 
by calling 619-239-1401, or by email at
or using our online form

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Institute of Consumer Financial Education
PO Box 34070
San Diego, Ca 92163
Paul S. Richard, Executive Director
Phone 619-239-1401

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