Code Section Group

Education Code - EDC


  ( Title 2 enacted by Stats. 1976, Ch. 1010. )


  ( Division 4 enacted by Stats. 1976, Ch. 1010. )


  ( Part 28 enacted by Stats. 1976, Ch. 1010. )

CHAPTER 2. Required Courses of Study [51200 - 51284.5]

  ( Chapter 2 enacted by Stats. 1976, Ch. 1010. )

ARTICLE 6. Primary Education Model Curriculum for Lifelong Health, Aging, and Financial Literacy [51280 - 51284.5]
  ( Heading of Article 6 amended by Stats. 2013, Ch. 135, Sec. 2. )


(a) The Legislature finds and declares all of the following:

(1) There are profound personal and financial implications for Californians associated with the average life expectancy steadily increasing toward 100 years of age.

(2) The savings rate among “boomers” continues to drop, while their cumulative debt continues to rise.

(3) A majority of workers choose to “cash out” of their employment savings plans when changing jobs, rather than transferring the accounts upon job changes and maintaining their savings in these accounts.

(4) It is estimated that 40 to 50 percent of “boomers” will likely find themselves living their later years in financial hardship.

(5) Californians should be financially prepared for, and aware of, the lifelong health issues associated with later life.

(b) It is the intent of the Legislature to enact legislation that will result in the education of all Californians regarding our prospect of becoming an “aging” state, including education as to all of the following:

(1) The changes we can expect in the later years of our lives.

(2) The changes we can expect of a society that is growing older.

(3) How we can be better prepared to sustain ourselves and our society in the coming years.

(4) The financial realities of living for a century.

(5) The importance of saving and financial planning.

(6) The financial benefits of healthful living and disease prevention.

(7) A new vision of aging, thereby dispelling ageist myths.

(8) An understanding of chronic disease and illness, with an emphasis on disease prevention and health in later life.

(Added by Stats. 2002, Ch. 541, Sec. 10. Effective January 1, 2003.)


(a) It is the intent of the Legislature to enact legislation to establish educational requirements in order to instill in California’s youth a sense of importance about lifelong financial planning and preparation, including, among other things, the costs of health care, in a much-extended later life.

(b) Educational institutions have developed a model curriculum in lifelong healthy aging and financial preparedness, with materials, free of charge, for the Superintendent of Public Instruction to disseminate to school teachers at the local level.

(c) The Superintendent of Public Instruction shall make this existing curriculum available to teachers, using materials that are currently available at no cost, with information and links provided through the Internet, in order to provide to students in grades 7 to 12, inclusive, instruction on human growth, human development, and financial preparedness.

(Added by Stats. 2002, Ch. 541, Sec. 10. Effective January 1, 2003.)


Concurrently with, but not prior to, the next revision of textbooks or curriculum frameworks in the social sciences, health, and mathematics curricula, the state board shall ensure that these academic areas integrate components of human growth, human development, and human contribution to society, across the life course, and also financial literacy, including, but not limited to, budgeting and managing credit, student loans, consumer debt, and identity theft security.

(Amended by Stats. 2013, Ch. 135, Sec. 3. (AB 166) Effective January 1, 2014.)


Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:

(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:

(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking.

(2) Principles of budgeting and personal finance.

(3) Employment and understanding factors that affect net income.

(4) Uses and effects of credit, including the relation of debt and interest to credit.

(5) Uses and costs of loans, including student loans.

(6) Types and costs of insurance.

(7) Forms of governmental taxation.

(8) Principles of investing and building wealth.

(9) Identity theft and security.

(10) Planning and paying for postsecondary education.

(11) Charitable giving.

(b) Age-appropriate content related to the topics listed in paragraphs (1) to (11), inclusive, of subdivision (a), at least twice in each of the following grade spans:

(1) Kindergarten and grades 1 to 5, inclusive.

(2) Grades 6 to 8, inclusive.

(3) Grades 9 to 12, inclusive.

(Added by Stats. 2016, Ch. 616, Sec. 1. (AB 2546) Effective January 1, 2017.)

EDCEducation Code - EDC6.