State review · Data version 2026.10.19.5 · October 2026

New York

Requirement before grade 9

Section 100.2(c)(13) of the Commissioner's Regulations, adopted by the Board of Regents in March 2026, requires personal finance instruction for public school students in grades K-12, with delivery by the end of grade 4 (elementary) and by the end of grade 8 (middle). This is a regulation rather than a statute, and NYSED states it is an instructional requirement, not a credit or diploma requirement.

Statuses come from published law and standards and an automated second check, not a lawyer. Last verified: 2026-10-19. Report a correction

What the law says

Requirement coverage

Earliest grade covered: Kindergarten
Grade range: kindergarten to grade 12

Describes the instruction requirement found in law, not the standards. It may reach at least one grade before ninth (the earliest grade is shown, and some start only in grade 6 or 7), no grade at all (not specified), or high school only. \u201cOffer courses\u201d means the law says districts must offer the courses or instruction, not that every student must receive it.

Grades K-8

Grades required: K, 1, 2, 3, 4, 5, 6, 7, 8
Standards document: NYSED Personal Finance Education grade-band learning objectives (five topics); no new standards created (2026)
Required by law: Yes
Delivery: Embedded in another subject
Assessed: Not determined
Funded: Not determined

Grade bands: elementary K-4 (instruction by end of grade 4, beginning 2027-28), middle 5-8 (by end of grade 8, beginning 2026-27). Districts need not teach at every grade within a band. Delivery may be embedded in required courses, a stand-alone course, or career and technical education; the FAQ describes all three as options. Districts and charter schools verify implementation to the Commissioner for 2026-27 through 2028-29; no student assessment requirement was found. No dedicated funding was found in the sources read.

Grades 9-12

Graduation requirement: No
Course length: Not stated
Effective date: 2026-2027 school year

High school band (grades 9-12): instruction by end of grade 12 beginning 2026-27. NYSED states it is an instructional requirement, not a specific credit or diploma requirement; Career and Financial Management (half unit CTE) may be used.

What’s missing for K-8

A requirement was found that reaches a grade before ninth (K, 1, 2, 3, 4, 5, 6, 7, 8).
Instruction is embedded in another subject rather than a stand-alone course.

Pending bills

S6805 / A8100 (2025-2026): Establishes instruction in financial literacy for students in sixth through eighth grade (adds Education Law 803-c). Status: Referred to education committee (Assembly A8100: referred 04/30/2025, re-referred 01/07/2026, per Assembly bill page read 2026-10-19; no later action shown). Senate S6805 page could not be read (robots.txt unreadable, HTTP 403)..
S1272 / A96 (2025-2026): Requires instruction in financial management for all students in grades four through eight (adds Education Law 819). Status: Referred to education committee (Assembly A96: referred 01/08/2025, re-referred 01/07/2026, per Assembly bill page read 2026-10-19; no later action shown). Senate S1272 page could not be read (robots.txt unreadable, HTTP 403)..

How to read the status

Status key

Requirement before grade 9: A statute or rule requires financial education and reaches at least one grade before ninth. Some start only in grade 6 or 7; the earliest grade is shown with the label.
Requirement, grades not specified: A statute or rule says students shall receive financial-literacy instruction but names no grade, so it is not confirmed to reach K-8.
K-8 standards only: State standards name a personal-finance concept at two or more K-8 grade levels, but no requirement to teach it was found.
No K-8 personal-finance standards found: A high school requirement exists, but no requirement for any grade before ninth and no K-8 standards naming a personal-finance concept at two or more grade levels were found. This describes what was found, not proof that none exist.
Study or pilot only: A task force, study, pilot, or unfunded permission exists, without a requirement.
None found: No state-level requirement or standards were found. The searches run are recorded.
Under review: Not yet confirmed. Sources found so far are shown and no status is stated.
Research in progress: This state has not been researched yet.

Sources

New York State Education Department. 8 NYCRR 100.2(c)(13); Board of Regents permanent adoption, March 2026. Primary source. Retrieved 2026-10-15.
“require instruction in personal finance education for public school students in grades kindergarten (K) through 12.”
New York State Education Department. 8 NYCRR 100.2(c)(13); effective date. Primary source. Retrieved 2026-10-15.
“These regulations become permanently effective on March 25, 2026.”
New York State Board of Regents / NYSED. Regents item (Feb. 26, 2026), Attachment A text of 8 NYCRR 100.2(c)(13)(ii); text as submitted for adoption. Primary source. Retrieved 2026-10-15.
“Beginning with the 2027-2028 school year and thereafter, such instruction shall be provided to elementary school students by the end of grade 4.”
New York State Board of Regents / NYSED. Regents item (Feb. 26, 2026), Attachment A text of 8 NYCRR 100.2(c)(13)(i); text as submitted for adoption. Primary source. Retrieved 2026-10-15.
“such instruction shall be provided to middle school students by the end of grade 8 and high school students by the end of grade 12.”
New York State Education Department. NYSED Personal Finance Education FAQ. Primary source. Retrieved 2026-10-15.
“Personal finance education is an instructional requirement, not a specific credit or diploma requirement.”
New York State Education Department. NYSED Personal Finance Education FAQ, learning standards question. Primary source. Retrieved 2026-10-15.
“The Department is not creating new standards for personal finance education.”
New York State Senate. NY Senate Bill 2025-S1272. Primary source. Retrieved 2026-10-15.
“Requires instruction in financial management for all students in grades four through eight.”
New York State Senate. NY Assembly Bill 2025-A8100 (Senate version S6805). Primary source. Retrieved 2026-10-15.
“Establishes instruction in financial literacy for students in sixth through eighth grade”
New York official source (web.archive.org). 8 NYCRR 100.2(c)(13), Regents item Feb./Mar. 2026, Attachment A (text as submitted for adoption). Primary source. Retrieved 2026-10-19. Archived copy captured 2026-03-11; original agency address: https://www.regents.nysed.gov/sites/regents/files/326brca5revised.pdf.
“for all public school students in grades kindergarten through 12, instruction in personal finance education”
New York official source (web.archive.org). 8 NYCRR 100.2(c)(13)(ii). Primary source. Retrieved 2026-10-19. Archived copy captured 2026-03-11; original agency address: https://www.regents.nysed.gov/sites/regents/files/326brca5revised.pdf.
“such instruction shall be provided to elementary school students by the end of grade 4.”

Open items are being reviewed.

The requirement is a Commissioner's regulation (8 NYCRR 100.2(c)(13), authorized under Education Law sections 101, 207, 208, 209, 305, 309 and 3204), not a statute. The regulation text was read from the Feb. 2026 Regents item (as submitted for adoption); the official codified text (Westlaw/NYCRR) was not read, so final wording may differ slightly. NYSED pages were fetched with curl because the fetch tool failed on NYSED's certificate chain; robots.txt permits generic crawlers. Other 2025-26 bills (S94, S95, S677, S3331, S4206, S4812, A3581) are high-school-only and not listed. Bill status reflects the Senate site as fetched 2026-10-15; the session may have ended without action.

Suggested citation
CENTS. New York: K-8 financial education. State-by-state review, v2026.10.19.5, October 2026. https://www.centscampaign.org/states/ny