State review · Data version 1.0 · October 2026

New York

K-8 requirement

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: 2026-10-15. Report a correction

What the law says

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 K-8 requirement was found (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: ACTIVE; referred to education committee (Jan 07, 2026).
S1272 / A96 (2025-2026): Requires instruction in financial management for all students in grades four through eight (adds Education Law 819). Status: ACTIVE; referred to education committee (Jan 07, 2026).

How to read the status

Status key

K-8 requirement: A statute or rule requires financial education in at least one grade from K to 8.
K-8 standards only: State standards or frameworks include personal finance in K-8, but no mandate to teach it was found.
High school only: A requirement or graduation course exists only in grades 9-12. No K-8 requirement was found.
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”

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, v1.0, October 2026. https://centscampaign.org/states/ny