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).

  1. understanding interest, avoiding and eliminating credit card debt
  2. understanding the rights and responsibilities of renting or buying a home
  3. managing money to make the transition from renting a home to home ownership
  4. starting a small business
  5. being a prudent investor in the stock market and using other investment options
  6. beginning a savings program and planning for retirement
  7. bankruptcy
  8. the types of bank accounts available to consumers and the benefits of maintaining a bank account
  9. balancing a check book
  10. the types of loans available to consumers and becoming a low-risk borrower
  11. understanding insurance
  12. charitable giving
  13. completing the application for federal student aid provided by the United States Department of Education
  14. methods of paying for college
Program (Outside Sources)              
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American Bankers Association Education Foundation
Get Smart about Credit eLearning
Get Smart about Credit

YesYesn/an/aYesYesn/aYesn/aYesn/aYesn/an/a

American Bankers Association Education Foundation
Teach Children to Save

Yesn/an/aYesYesYesn/aYesYesYesn/aYesn/an/a

American Financial Services Association Education Foundation (AFSAEF)
MoneySKILL®

YesYesYesYesYesYesYesYesYesYesYesn/an/an/a

Aztec Software
Financial Literacy from Aztec Software

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

Bank of America
Your Financial Future – Level 3

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

Better Business Bureau Education Foundation
Young Consumer Advocate Program

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

Center for Consumer Law
Know Your Rights

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

Center for Student Credit Card Ed., Inc.
The ABCs of Credit Card Finance

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

Citigroup (“Citi”)
Citigroup Financial Education Program

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

ClearPoint Financial Solutions, Inc.
Financial Firsts™

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

Council for Economic Education
Financial Fitness for Life, Learning, Earning, and Investing

Yesn/an/an/an/an/an/an/an/an/an/an/an/an/a

Dave Ramsey's Office
Dave Ramsey’s Foundations in Personal Finance

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

Federal Deposit Insurance Corporation
Money Smart

YesYesYesn/an/aYesn/aYesYesYesn/an/an/an/a

Federal Reserve Bank of Dallas
Building Wealth in the Classroom (updated 2009)

Yesn/aYesYesYesYesn/aYesn/aYesn/an/an/an/a

Film Ideas, Inc.
Biz Kid$ (26-part DVD and streaming)

Yesn/an/aYesYesYesYesYesYesn/an/aYesn/an/a

Film Ideas, Inc.
FI Channels: Financial Literacy Streaming Service

YesYesn/aYesYesYesYesYesYesYesYesYesn/an/a

Film Ideas, Inc
Life Skills Series (12-part DVD)

YesYesYesYesYesYesn/aYesYesn/an/an/an/an/a

First Command Educational Foundation
Money Matters

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

FoolProof Financial Education Systems, Inc.
FoolProof for High Schools (updated 2009)

Yesn/an/an/an/an/an/aYesYesYesn/an/an/an/a

Foundation for Investor Education &
Texas Council for Investor Education
Stock Market Game Program

n/an/an/an/aYesYesn/an/an/an/an/an/an/an/a

Frost Bank
Frost Financial Youth Academy
dnormandin@frostbank.com
210-220-4851

YesYesYesYesYesYesYesYesYesYesn/an/an/an/a

Green Path, Inc.
The “Banking Is” Program

YesYesYesYesn/aYesYesYesYesYesn/an/an/an/a

Holt, Rinehart, and Winston
Civics in Practice

Yesn/an/an/an/aYesn/an/an/an/aYesYesn/an/a

Holt, Rinehart, and Winston
Economics

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

IBAT Education Foundation
IBAT Financial Education Clearinghouse for  Kids, Teachers, Parents, Bankers

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

Internal Revenue Service
Understanding Taxes

n/an/an/aYesYesYesYesn/an/an/an/an/an/an/a

Investor Protection Trust
FL 2010

Yesn/aYesn/aYesYesn/aYesn/an/aYesn/an/an/a

Junior Achievement
Economics

Yesn/an/aYesYesYesn/aYesn/an/aYesn/an/an/a

Junior Achievement
Personal Finance

YesYesYesYesYesYesYesYesn/an/aYesn/an/an/a

Junior Achievement
JA Finance Park

YesYesYesn/aYesYesn/aYesYesn/aYesYesn/an/a

The Lampo Group Inc./Dave Ramsey’s Office
Foundations in Personal Finance

YesYesYesn/aYesYesYesYesYesYesYesYesn/an/a

Muriel F. Siebert Foundation
Personal Finance Program: Taking Control of
 Your Financial Future (updated 2009)

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

National Endowment for Financial Education (NEFE)
Texas AgriLife Extension Service
Texas Credit Union Foundation (TCUF)
NEFE High School Financial Planning Program, 2007 Edition

Yesn/an/aYesYesYesYesYesYesYesYesn/an/an/a

National Endowment for Financial Education
NEFE High School Financial Planning Program

Yesn/an/aYesYesYesYesYesn/aYesYesYesn/an/a

Operation HOPE, Inc.
Banking on Our Future

Yesn/an/an/aYesYesn/aYesYesYesn/an/an/an/a

Red & Black Books, L.L.C.
What I Learned About Life When My Husband Got Fired!
Publisher: Red & Black Books L.L.C.

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

Remar Sutton & Associates
FoolProof Initiative

YesYesYesYesn/aYesYesYesYesYesn/an/an/an/a

Remtech Inc.
TimeMaps: Money, Management & Life Skills

YesYesYesYesYesYesYesYesYesYesYesn/an/an/a

Rising Books
Financial Literacy for Teens – Student Book

YesYesYesn/aYesYesn/an/an/an/aYesYesn/an/a

Skills for Living, Inc.
Game of Real Life

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

Star Telegram/NIE
Life is Expensive

n/aYesYesn/aYesYesn/aYesn/an/aYesYesn/an/a

Star Telegram
Project Money$mart

Yesn/an/aYesYesYesn/aYesn/an/an/an/an/an/a

Star Telegram/NEFE
NEFE newspaper feature

Yesn/an/an/aYesYesYesn/an/an/aYesn/an/an/a

State Bar of Texas Bankruptcy Section
Money Wise

YesYesn/an/an/aYesYesn/aYesYesn/an/an/an/a

The Texas State Securities Board
The Basics of Savings and Investing: Investor
 Education 2020

Yesn/aYesn/aYesYesn/an/an/an/an/an/an/an/a

TG (Texas Guaranteed Student Loan Corporation)
Financial Literacy Coordinator

Yesn/an/an/aYesYesYesYesn/aYesYesn/an/an/a

Visa USA
Practical Money Skills for Life

YesYesYesYesYesYesYesYesYesYesYesn/an/an/a

Wells Fargo
Hands On Banking - El futuro en tus manos (updated 2010)

YesYesYesYesYesYesYesYesYesYesYesYesn/an/a

EverFi, Inc.
EverFi Financial Literacy Platform

YesYesYesn/aYesYesn/aYesYesYesYesn/aYesYes
Contact Information

Curriculum Standards and Student Support Division

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

   Help Desk  

(512) 463-9581