North Dakota

YES, but soft. NDCC 15.1-21-21 requires each school district to require each student to complete one-half unit of financial literacy, OR to ensure its economics or problems of democracy curriculum exposes students to listed personal finance concepts. It is a DISTRICT CURRICULUM MANDATE; financial literacy is NOT listed among the 22 units in the graduation-requirements section 15.1-21-02.2.

HB 1533 took effect August 1, 2025 (default rule for 2025 regular-session laws), i.e. the 2025-26 school year; ND DPI separately advises districts to align local curriculum to the new standards for FULL IMPLEMENTATION IN 2026-2027.

Source: HB 1533, 69th Legislative Assembly (2025 regular session), 'relating to financial literacy and concepts of personal finance curriculum'; passed House 87-3-4 and Senate 46-0-1; filed with Secretary of State 04/23/2025; signed by Governor 04/23 or 04/24/2025 (ndlegis pages differ). Codified NDCC 15.1-21-21; the section itself dates to 2009 legislation effective July 1, 2010. …

How it may be delivered: EITHER a standalone one-half unit financial literacy course OR embedded instruction within economics or problems of democracy; the state superintendent may approve other courses upon a district's written request showing equivalent student exposure.; Source: North Dakota — delivery model: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
Credit value: One-half unit (0.5 credit) of financial literacy, unless the district instead embeds the personal finance concepts in economics or problems of democracy.; Source: North Dakota — credit value: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
Instructional-hour rule: Not yet verified to a primary source — we publish only what we can cite.
Below high school: No middle/elementary financial literacy mandate: NDCC 15.1-21-01 required instruction lists ELA, mathematics, social studies, science/agriculture, physical education, health, and computer science/cybersecurity, with no financial literacy. The 2025 content standards are K-12 but are standards, not a separate mandate; no grade checkpoint exists.; Source: North Dakota — 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 - neither NDCC 15.1-21-21 nor HB 1533 (2025) creates a state assessment or EOC for financial literacy.; Source: North Dakota — 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: Statute permits the instruction to be delivered by the regular classroom teacher: 'The requirements of this section may be provided by the regular classroom teacher of the course in which the concepts of personal finance are incorporated.' No special endorsement is specified in statute.; Source: North Dakota — instructor requirements: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
State course codes: 14095; 09025 — Financial Literacy (.5 or 1 unit); Independent Living (.25, .5 or 1 unit) (MEDIUM confidence) — Both are annotated 'may be used for CTE credit, and may be used to satisfy NDCC 15.1-21-21'. The exhaustive DPI Grades 9-12 Combined Course Code Manual is an .xlsx that could not be parsed, so codes for the EMBEDDED option (economics or problems of democracy); Source: North Dakota — course codes (per-code confidence noted inline): primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09
Standards framework: North Dakota Financial Literacy Content Standards K-12 (JULY 2025); Source: North Dakota — 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: North Dakota Department of Public Instruction, 600 East Boulevard Ave, Dept 201, Bismarck, ND 58505-0440, (701) 328-2260. No named financial literacy staff contact is published.; Source: North Dakota — 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