Maryland

NO graduation credit requirement - INSTRUCTIONAL MANDATE ONLY. COMAR 13A.04.06.01 requires each local school system to provide an instructional program in personal financial literacy in the elementary, middle AND high school learning years, but COMAR 13A.03.02.03 lists NO financial literacy credit among the 22 required diploma credits. Individual counties (Allegany, Baltimore County, Anne Arundel, Charles) impose their own standalone course requirements as LOCAL BOARD POLICY.

See the requirement summary.

Source: COMAR 13A.04.06 (.01 Requirements; .02 Certification Procedures), effective July 26, 2010 (37:15 Md. R. 999), under Education Article 2-205(b) and (c). NO graduation-requirement bill was enacted 2024-2026: SB 592 / HB 943 (2026 Regular Session, 'State Board of Education - Financial Literacy - Graduation Requirement') were referred to committee with hearings 3/04 and 2/25/2026 …

How it may be delivered: LOCALLY DETERMINED. Per MSDE's 2025-2026 report, of 24 LEAs roughly 9 require a standalone financial literacy course (typically 0.5-1.0 local credit) and the remainder embed instruction in required courses (social studies/government, math, health, CTE). MSDE guidance describes 'a locally designed high school program of financial literacy... approved at the state level Superintendent of Schools.'; Source: Maryland — 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: YES - the instructional mandate spans ALL levels. COMAR 13A.04.06.01: 'Each local school system shall provide in public schools an instructional program in personal financial literacy in the elementary, middle, and high school learning years.' The standards set grade-band checkpoints at END OF GRADE 5, END OF GRADE 8, and END OF GRADE 12.; Source: Maryland — 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 statewide. Assessment is locally determined (locally developed tests, EverFi pre/post-tests, Junior Achievement, Take Charge Today). The only state accountability mechanism is COMAR 13A.04.06.02, requiring each local superintendent to CERTIFY PROGRAM COMPLIANCE to the State Superintendent EVERY 5 YEARS.; Source: Maryland — 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: The Maryland State Standards for Personal Financial Literacy Education (2022 version (document carries copyright 2010/2016/2022 MSDE). Standards were adopted into COMAR in 2010, effective September 2011.); Source: Maryland — 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: Not yet verified to a primary source — we publish only what we can cite.
State agency contact: Richard Kincaid, Assistant State Superintendent, Division of College and Career Pathways, Maryland State Department of Education. No direct email or phone published.; Source: Maryland — 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