Colorado

YES as of 2025 - Colorado moved beyond standards-inclusion to an actual graduation mandate. HB25-1192: each local education provider 'SHALL INCORPORATE ALL THE FINANCIAL LITERACY STANDARDS ... INTO A COURSE THAT IS REQUIRED FOR HIGH SCHOOL GRADUATION.' The state still does not dictate credits or course titles - local boards set graduation requirements - but the standards-in-a-required-course mandate is now STATUTORY, not optional. Any pre-2025 briefing describing Colorado as 'local control / standards only' is OUT OF DATE.

2025-26 school year - CDE: the HB25-1192 financial literacy requirements 'are in effect for the 2025-26 school year.' The separate ICAP/FAFSA-CASFA practice component begins 2027-28.

Source: HB25-1192 'Financial Literacy Graduation Requirement', 2025 Regular Session (75th General Assembly); signed May 23, 2025; Session Laws Ch. 239; effective Aug 6, 2025. Amends C.R.S. 22-32-135, 22-2-136 (ICAP), 23-3.3-106 (FAFSA/CASFA). Predecessors: HB21-1200 (standards), C.R.S. 22-2-127 (resource bank). No implementing 1 CCR 301-x rule located.

How it may be delivered: DISTRICT CHOICE: embed all HS financial literacy standards into an existing required course (social studies, math, economics) OR create a standalone financial literacy course made a graduation requirement. CDE: 'local education providers have broad discretion to determine the method of implementing a financial literacy course.'; Source: Colorado — delivery model: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
Credit value: Not yet verified to a primary source — we publish only what we can cite.
Instructional-hour rule: Not yet verified to a primary source — we publish only what we can cite.
Below high school: No middle-school course or checkpoint requirement; HB25-1192 applies to high school graduation only. Personal Financial Literacy standards DO exist P-12 as Social Studies Standard 5, so instruction is expected earlier but is not a gating requirement.; Source: Colorado — below-high-school requirement: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
State-mandated assessment: NONE. Colorado's state assessment system is CMAS (ELA, math, science), PSAT/SAT, CoAlt and ACCESS; there is no financial literacy or personal finance assessment or EOC, and HB25-1192 creates none.; Source: Colorado — state assessment: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
Who may teach it: Not yet verified to a primary source — we publish only what we can cite.
State course codes: Not yet verified to a primary source — we publish only what we can cite.
Standards framework: Colorado Academic Standards - Social Studies (financial literacy is STANDARD 5, Personal Financial Literacy; CDE also publishes a compiled 'Financial Literacy Standards P-12' extract) (ADOPTED NOVEMBER 2022; document produced January 2023. Current version as of Aug 2026.); Source: Colorado — standards framework: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
Funding a district may cite: HB25-1192 appropriated $210,389 to the Colorado Department of Education for FY2025-26 'for support to local education providers for student financial literacy initiatives.' CDE also maintains a statutory Personal Financial Literacy Resource Bank and technical assistance under C.R.S. 22-2-127. (Non-state: NGPF offers $500 PD stipends to up to 400 Colorado public HS teachers.); Source: Colorado — funding: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
State agency contact: Stephanie Hartman, Ph.D., Social Studies / Financial Literacy Content Specialist, Colorado Department of Education - hartman_s@cde.state.co.us; Source: Colorado — agency contact: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09

Facts on this page last verified 2026-08-09; every pack is re-verified on a six-month cadence, and anything we cannot cite is marked rather than guessed.

The district awards the credit — no platform can. Ours is designed to align with the state’s learning standards, and it produces the documentation a district needs to award credit: the course object with its federal course code, a pass determination that shows its arithmetic, an hour ledger that counts only observed instructional minutes, and a verified record of demonstrated mastery for every student.

See the platform