State review · Data version 2026.10.19.5 · October 2026

Oregon

Requirement, grades not specified

Oregon Revised Statutes 329.045(3)(a) says school districts and public charter schools must offer students instruction in personal financial education and names no grade, so it is not confirmed to reach K-8. The half credit in ORS 329.451 is a high school graduation requirement, and the 2024 social studies standards name personal-finance concepts at several K-8 grade levels.

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: Not specified
Grade range: No grade or grade range is named, offer courses

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 where K-8 content was confirmed: K, 1, 2, 3, 4, 5, 6-7, 7, 8
Standards document: Oregon K-12 Social Science Standards (Economics: Earning, Saving, and Spending strand), version 2024.1 (2024)
Required by law: Not determined
Delivery: Embedded in another subject
Assessed: Not determined
Funded: Not determined

K-8 financial content appears as the Earning, Saving, and Spending concept within Economics in the social science standards (for example K.E.ES.1, 5.E.ES.1, 8.E.ES.3). ORS 329.045(3)(a) says districts must offer instruction in personal financial education but does not name grades; the named Personal Financial Education standards (HS.PFE) are high school standards. Whether the general statute requires K-8 instruction is a judgement call, so no K-8 mandate is asserted. Oregon Administrative Rules (OAR chapter 581, division 22) were not read, so rule-level K-8 requirements were not confirmed.

Grades 9-12

Graduation requirement: Yes
Course length: One half-credit of personal financial education (within 24 total credits, while in grades 9-12)
Effective date: 2027-01-01

ORS 329.451(2)(a)(E) lists one half-credit of personal financial education; the amendments apply to diplomas awarded on or after January 1, 2027, with a one-year waiver available to districts lacking qualified educators.

What’s missing for K-8

The sources reviewed show a requirement to provide personal-finance instruction that names no grade, so it is not confirmed to reach K-8.

Pending bills

No pending bills were identified. This is not an exhaustive legislative search.

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

Oregon Legislature (Oregon Revised Statutes, chapter 329). ORS 329.045(3)(a). Primary source. Retrieved 2026-10-15.
“must offer students instruction in mathematics, science, language arts, history, geography, economics, civics, higher education and career path skills, personal financial education”
Oregon Legislature (Oregon Revised Statutes, chapter 329). ORS 329.451(2)(a). Primary source. Retrieved 2026-10-15.
“must complete at least 24 total credits, which must include at least:”
Oregon Legislature (Oregon Revised Statutes, chapter 329). 2023 c.564 (SB 3) uncodified section note following ORS 329.451. Primary source. Retrieved 2026-10-15.
“apply to high school diplomas awarded on or after January 1, 2027.”
Oregon Department of Education / State Board of Education. Oregon K-12 Social Science Standards, Adopted June 2024 (v2024.1), Kindergarten overview. Primary source. Retrieved 2026-10-15.
“Financial literacy basics, such as identifying US currency, understanding its purpose, recognizing”
Oregon Department of Education / State Board of Education. Oregon K-12 Social Science Standards (2024), Standard 5.E.ES.1. Primary source. Retrieved 2026-10-15.
“Map out a savings and budget plan designed to achieve a future”
Oregon Department of Education / State Board of Education. Oregon K-12 Social Science Standards (2024), Standard 8.E.ES.3. Primary source. Retrieved 2026-10-15.
“Explain how compound interest can generate both wealth and”
Oregon Department of Education / State Board of Education. Oregon's High School Personal Financial Education Content Standards (HS.PFE). Primary source. Retrieved 2026-10-15.
“Adopted by the Oregon State Board of Education on June 13, 2024”
Oregon Department of Education. ODE, Oregon's Newest Diploma Requirements: Senate Bill 3 overview. Primary source. Retrieved 2026-10-15.
“Beginning with the students graduating on or after January 1, 2027, the Oregon diploma requirements”
Oregon Legislature (Oregon Revised Statutes, chapter 329). ORS 329.045(3)(a) (first half of the sentence; same text in the version operative from 2026-09-30). Primary source. Retrieved 2026-10-19.
“School districts and public charter schools must offer students instruction in mathematics, science, language arts, history, geography, economics, civics,”
Oregon Legislature (Oregon Revised Statutes, chapter 329). ORS 329.045(3)(a) (second half of the sentence). Primary source. Retrieved 2026-10-19.
“civics, higher education and career path skills, personal financial education, physical education, health, the arts and world languages.”
Oregon Legislature (Oregon Revised Statutes, chapter 329). ORS 329.451(2)(a) (lead-in to the half-credit of personal financial education in (E)). Primary source. Retrieved 2026-10-19.
“and, while in grades 9 through 12, must complete at least 24 total credits, which must include at least:”
Oregon Legislature (Oregon Revised Statutes, chapter 329). ORS 329.451(2)(a)(E). Primary source. Retrieved 2026-10-19.
“(E) One half-credit of personal financial education.”
Oregon Department of Education / State Board of Education. OAR 581-022-2030(1) (2017 ODE-hosted Division 22 PDF; SUPERSEDED by 2024 revision). Primary source. Retrieved 2026-10-19.
“Each school district shall provide a planned K–12 instructional program.”

Open items are being reviewed.

Pending bills were not searched in the official legislative system (OLIS); a web search surfaced no K-8 personal finance bill, so pending_bills is left empty. ORS 329.045 appears on the legislature page in two versions (one operative September 30, 2026); both contain the same personal financial education language in subsection (3)(a). Oregon Administrative Rules were not read. Coded requirement_grades_unspecified under the 2026-10-19 methodology (found in the grade-level audit). Oregon Administrative Rules chapter 581 division 22 was blocked by robots.txt and was not read; if it names a K-8 grade for personal financial education, the status becomes k8_requirement.

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