Requires public school students to take three financial literacy courses between sixth and twelfth grades

This bill requires all public school students in grades 6-12 to complete three semester-long financial literacy courses. It directly affects every public school student in the state by mandating instruction in core topics like personal budgeting, debt management, taxes, insurance basics, and long-term financial planning. School districts must develop programs covering these specific areas, with the state education commissioner able to provide approved curriculum guidelines. The law takes effect July 1 following enactment.