Personal Financial Literacy Materials Approved November 2012 and Earlier

The Texas Education Code (TEC) requires instruction in personal financial literacy in K-8 mathematics instruction and in one or more courses offered for high school graduation.

Starting with the 2016-2017 school year, each school district and open-enrollment charter school that offers a high school program must provide Personal Financial Literacy (PFL) as a one-half credit high school social studies elective course. The standards for this course are in 19 TAC Chapter 113, Texas Essential Knowledge and Skills for Social Studies, Subchapter C, High School, §113.49, Personal Financial Literacy (One-Half Credit), Adopted 2016.

Districts may use the list of Personal Financial Literacy materials listed below, which were approved by the State Board of Education (SBOE). Please note that these materials were approved before the adoption of §113.49, Personal Financial Literacy; therefore they may not align with the TEKS for the required PFL course.

Areas of Instruction

The areas of instruction shown below are approved by the State Board of Education (April 28, 2006; July 7, 2006; November 16, 2007; May 22, 2009; September 17, 2010; and November 16, 2012).

understanding interest, avoiding and eliminating credit card debt
understanding the rights and responsibilities of renting or buying a home
managing money to make the transition from renting a home to home ownership
starting a small business
being a prudent investor in the stock market and using other investment options
beginning a savings program and planning for retirement
bankruptcy
the types of bank accounts available to consumers and the benefits of maintaining a bank account
balancing a check book
the types of loans available to consumers and becoming a low-risk borrower
understanding insurance
charitable giving
completing the application for federal student aid provided by the United States Department of Education
methods of paying for college

Program (Outside Sources)
Program (Outside Sources)	A	B	C	D	E	F	G	H	I	J	K	L	M	N
American Bankers Association Education Foundation Get Smart about Credit eLearning Get Smart about Credit	Yes	Yes	n/a	n/a	Yes	Yes	n/a	Yes	n/a	Yes	n/a	Yes	n/a	n/a
American Bankers Association Education Foundation Teach Children to Save	Yes	n/a	n/a	Yes	Yes	Yes	n/a	Yes	Yes	Yes	n/a	Yes	n/a	n/a
American Financial Services Association Education Foundation (AFSAEF) MoneySKILL®	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a
Aztec Software Financial Literacy from Aztec Software	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Bank of America Your Financial Future – Level 3	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Better Business Bureau Education Foundation Young Consumer Advocate Program	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Center for Consumer Law Know Your Rights	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Center for Student Credit Card Ed., Inc. The ABCs of Credit Card Finance	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Citigroup (“Citi”) Citigroup Financial Education Program	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
ClearPoint Financial Solutions, Inc. Financial Firsts™	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Council for Economic Education Financial Fitness for Life, Learning, Earning, and Investing	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Dave Ramsey's Office Dave Ramsey’s Foundations in Personal Finance	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Federal Deposit Insurance Corporation Money Smart	Yes	Yes	Yes	n/a	n/a	Yes	n/a	Yes	Yes	Yes	n/a	n/a	n/a	n/a
Federal Reserve Bank of Dallas Building Wealth in the Classroom (updated 2009)	Yes	n/a	Yes	Yes	Yes	Yes	n/a	Yes	n/a	Yes	n/a	n/a	n/a	n/a
Film Ideas, Inc. Biz Kid$ (26-part DVD and streaming)	Yes	n/a	n/a	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	Yes	n/a	n/a
Film Ideas, Inc. FI Channels: Financial Literacy Streaming Service	Yes	Yes	n/a	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Film Ideas, Inc Life Skills Series (12-part DVD)	Yes	Yes	Yes	Yes	Yes	Yes	n/a	Yes	Yes	n/a	n/a	n/a	n/a	n/a
First Command Educational Foundation Money Matters	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
FoolProof Financial Education Systems, Inc. FoolProof for High Schools (updated 2009)	Yes	n/a	n/a	n/a	n/a	n/a	n/a	Yes	Yes	Yes	n/a	n/a	n/a	n/a
Foundation for Investor Education & Texas Council for Investor Education Stock Market Game Program	n/a	n/a	n/a	n/a	Yes	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Frost Bank Frost Financial Youth Academy dnormandin@frostbank.com 210-220-4851	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a	n/a
Green Path, Inc. The “Banking Is” Program	Yes	Yes	Yes	Yes	n/a	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a	n/a
Holt, Rinehart, and Winston Civics in Practice	Yes	n/a	n/a	n/a	n/a	Yes	n/a	n/a	n/a	n/a	Yes	Yes	n/a	n/a
Holt, Rinehart, and Winston Economics	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
IBAT Education Foundation IBAT Financial Education Clearinghouse for Kids, Teachers, Parents, Bankers	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Internal Revenue Service Understanding Taxes	n/a	n/a	n/a	Yes	Yes	Yes	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Investor Protection Trust FL 2010	Yes	n/a	Yes	n/a	Yes	Yes	n/a	Yes	n/a	n/a	Yes	n/a	n/a	n/a
Junior Achievement Economics	Yes	n/a	n/a	Yes	Yes	Yes	n/a	Yes	n/a	n/a	Yes	n/a	n/a	n/a
Junior Achievement Personal Finance	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	Yes	n/a	n/a	n/a
Junior Achievement JA Finance Park	Yes	Yes	Yes	n/a	Yes	Yes	n/a	Yes	Yes	n/a	Yes	Yes	n/a	n/a
The Lampo Group Inc./Dave Ramsey’s Office Foundations in Personal Finance	Yes	Yes	Yes	n/a	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Muriel F. Siebert Foundation Personal Finance Program: Taking Control of Your Financial Future (updated 2009)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
National Endowment for Financial Education (NEFE) Texas AgriLife Extension Service Texas Credit Union Foundation (TCUF) NEFE High School Financial Planning Program, 2007 Edition	Yes	n/a	n/a	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a
National Endowment for Financial Education NEFE High School Financial Planning Program	Yes	n/a	n/a	Yes	Yes	Yes	Yes	Yes	n/a	Yes	Yes	Yes	n/a	n/a
Operation HOPE, Inc. Banking on Our Future	Yes	n/a	n/a	n/a	Yes	Yes	n/a	Yes	Yes	Yes	n/a	n/a	n/a	n/a
Red & Black Books, L.L.C. What I Learned About Life When My Husband Got Fired! Publisher: Red & Black Books L.L.C.	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Remar Sutton & Associates FoolProof Initiative	Yes	Yes	Yes	Yes	n/a	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a	n/a
Remtech Inc. TimeMaps: Money, Management & Life Skills	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a
Rising Books Financial Literacy for Teens – Student Book	Yes	Yes	Yes	n/a	Yes	Yes	n/a	n/a	n/a	n/a	Yes	Yes	n/a	n/a
Skills for Living, Inc. Game of Real Life	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
Star Telegram/NIE Life is Expensive	n/a	Yes	Yes	n/a	Yes	Yes	n/a	Yes	n/a	n/a	Yes	Yes	n/a	n/a
Star Telegram Project Money$mart	Yes	n/a	n/a	Yes	Yes	Yes	n/a	Yes	n/a	n/a	n/a	n/a	n/a	n/a
Star Telegram/NEFE NEFE newspaper feature	Yes	n/a	n/a	n/a	Yes	Yes	Yes	n/a	n/a	n/a	Yes	n/a	n/a	n/a
State Bar of Texas Bankruptcy Section Money Wise	Yes	Yes	n/a	n/a	n/a	Yes	Yes	n/a	Yes	Yes	n/a	n/a	n/a	n/a
The Texas State Securities Board The Basics of Savings and Investing: Investor Education 2020	Yes	n/a	Yes	n/a	Yes	Yes	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
TG (Texas Guaranteed Student Loan Corporation) Financial Literacy Coordinator	Yes	n/a	n/a	n/a	Yes	Yes	Yes	Yes	n/a	Yes	Yes	n/a	n/a	n/a
Visa USA Practical Money Skills for Life	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a	n/a
Wells Fargo Hands On Banking - El futuro en tus manos (updated 2010)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	n/a	n/a
EverFi, Inc. EverFi Financial Literacy Platform	Yes	Yes	Yes	n/a	Yes	Yes	n/a	Yes	Yes	Yes	Yes	n/a	Yes	Yes

Contact Information

Curriculum Standards and Student Support Division

For questions or additional information, please submit a Curriculum Request Form through the TEA Help Desk.

(512) 463-9581