{
  "siteName": "The Economic Blindspot",
  "siteUrl": "https://economicblindspot.com",
  "contactEmail": "theeconomicblindspot@gmail.com",
  "lastUpdated": "2026-09-21",
  "checkerYears": {
    "first": 2026,
    "last": 2034
  },
  "tiers": [
    {
      "tier": 1,
      "label": "Standalone course, fully in place",
      "definition": "Every student must complete a dedicated personal finance course or semester, and the rule is already in effect."
    },
    {
      "tier": 2,
      "label": "Standalone course, phasing in",
      "definition": "A law or rule guarantees a dedicated course, but the first class it applies to hasn't graduated yet."
    },
    {
      "tier": 3,
      "label": "Required, but built into other classes",
      "definition": "Every student must be taught personal finance, but it can be folded into another course or a flexible option. No dedicated course is guaranteed."
    },
    {
      "tier": 4,
      "label": "Standards or access only",
      "definition": "The state has standards, or schools must offer it, but a student can graduate without ever taking personal finance."
    },
    {
      "tier": 5,
      "label": "No requirement",
      "definition": "No course, credit, or graduation requirement."
    }
  ],
  "deliveryTypes": {
    "standalone": "Its own course",
    "embedded": "Built into other classes or a flexible option",
    "standards-or-access": "Not required (standards or access only)",
    "none": "Not required"
  },
  "courseSizes": {
    "full": "Full year or full credit",
    "half": "One semester or half credit"
  },
  "pendingStatusTypes": {
    "pending": "Pending",
    "needs-recheck": "Needs re-check",
    "dead": "Died",
    "watch": "Watch"
  },
  "otherTrackers": [
    {
      "source": "ngpf",
      "count": 30,
      "counts": "states that guarantee a standalone personal finance course (fully in place or phasing in)"
    },
    {
      "source": "cee",
      "count": 39,
      "counts": "states that require personal finance, because it also counts requirements built into other courses"
    }
  ],
  "sources": [
    {
      "id": "ngpf",
      "label": "NGPF Live US Dashboard",
      "publisher": "Next Gen Personal Finance",
      "url": "https://www.ngpf.org/live-us-dashboard/",
      "kind": "tracker"
    },
    {
      "id": "ngpf-bills",
      "label": "NGPF 2026 Bill Tracker",
      "publisher": "Next Gen Personal Finance",
      "url": "https://www.ngpf.org/bill-tracker/",
      "kind": "tracker"
    },
    {
      "id": "cee",
      "label": "Survey of the States",
      "publisher": "Council for Economic Education",
      "url": "https://www.councilforeconed.org/survey-of-the-states/",
      "kind": "tracker"
    },
    {
      "id": "champlain",
      "label": "2023 Report Card",
      "publisher": "Champlain College Center for Financial Literacy",
      "url": "https://financialliteracy.champlain.edu/research-advocacy/",
      "kind": "tracker"
    },
    {
      "id": "nysed",
      "label": "NYSED Personal Finance Education",
      "publisher": "New York State Education Department",
      "url": "https://www.nysed.gov/standards-instruction/personal-finance-education",
      "kind": "primary"
    },
    {
      "id": "nysenate",
      "label": "New York State Senate legislation search",
      "publisher": "New York State Senate",
      "url": "https://www.nysenate.gov/legislation",
      "kind": "primary"
    },
    {
      "id": "hidoe",
      "label": "2026 financial literacy requirement announcement",
      "publisher": "Hawaii State Department of Education",
      "url": "https://hawaiipublicschools.org/2026-financial-literacy-requirement-for-hawaii-public-school-students-to-begin-next-school-year/",
      "kind": "primary"
    },
    {
      "id": "osse",
      "label": "OSSE adopts financial literacy standards",
      "publisher": "DC Office of the State Superintendent of Education",
      "url": "https://osse.dc.gov/release/osse-adopts-financial-literacy-standards-district-columbia-high-school-students",
      "kind": "primary"
    },
    {
      "id": "ohdew",
      "label": "Financial Literacy",
      "publisher": "Ohio Department of Education and Workforce",
      "url": "https://education.ohio.gov/Topics/Learning-in-Ohio/Financial-Literacy",
      "kind": "primary"
    },
    {
      "id": "ksde",
      "label": "Graduation requirements",
      "publisher": "Kansas State Department of Education",
      "url": "https://www.ksde.gov/student-success/graduation",
      "kind": "primary"
    },
    {
      "id": "mde",
      "label": "Personal Finance",
      "publisher": "Michigan Department of Education",
      "url": "https://www.michigan.gov/mde/services/academic-standards/personal-finance",
      "kind": "primary"
    },
    {
      "id": "mn",
      "label": "Minn. Stat. 120B.024",
      "publisher": "Minnesota Office of the Revisor of Statutes",
      "url": "https://www.revisor.mn.gov/statutes/cite/120b.024",
      "kind": "primary"
    },
    {
      "id": "ode",
      "label": "Personal Financial Education",
      "publisher": "Oregon Department of Education",
      "url": "https://www.oregon.gov/ode/students-and-family/OregonDiploma/Pages/PFE.aspx",
      "kind": "primary"
    },
    {
      "id": "cde",
      "label": "Personal Finance",
      "publisher": "California Department of Education",
      "url": "https://www.cde.ca.gov/ci/cr/cf/personalfinance.asp",
      "kind": "primary"
    },
    {
      "id": "co",
      "label": "HB25-1192",
      "publisher": "Colorado General Assembly",
      "url": "https://leg.colorado.gov/bills/hb25-1192",
      "kind": "primary"
    },
    {
      "id": "ia",
      "label": "Iowa Code 256.11",
      "publisher": "Iowa Legislature",
      "url": "https://www.legis.iowa.gov/docs/code/2023/256.11.pdf",
      "kind": "primary"
    },
    {
      "id": "az",
      "label": "ARS 15-701.01",
      "publisher": "Arizona State Legislature",
      "url": "https://www.azleg.gov/ars/15/00701-01.htm",
      "kind": "primary"
    },
    {
      "id": "ar",
      "label": "Personal Finance",
      "publisher": "Arkansas Division of Elementary and Secondary Education",
      "url": "https://dese.ade.arkansas.gov/Offices/learning-services/curriculum-support/personal-finance",
      "kind": "primary"
    },
    {
      "id": "sd",
      "label": "Graduation requirements",
      "publisher": "South Dakota Department of Education",
      "url": "https://doe.sd.gov/gradrequirements/",
      "kind": "primary"
    },
    {
      "id": "nd",
      "label": "HB 1533 bill overview",
      "publisher": "North Dakota Legislative Branch",
      "url": "https://ndlegis.gov/assembly/69-2025/regular/bill-overview/bo1533.html",
      "kind": "primary"
    },
    {
      "id": "ky",
      "label": "HB 342 (2025) bill record",
      "publisher": "Kentucky General Assembly",
      "url": "https://apps.legislature.ky.gov/record/25rs/hb342.html",
      "kind": "primary"
    }
  ]
}