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Bill

A 109

Establishes that instruction in financial education be provided to pupils in grades nine, ten, eleven or twelve

2025 Regular Session Introduced by Anil Beephan and 5 co-sponsors

Requires high school students (grades 9–12) to receive financial education, prompting districts and schools to implement curricula and staff training to boost financial literacy.

REFERRED TO EDUCATION
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Bill Summary · A 109

Summary of Assembly Bill A 109

Overview

  • Bill Number: A 109
  • Title: Establishes that instruction in financial education be provided to pupils in grades nine, ten, eleven or twelve
  • Status: REFERRED TO EDUCATION
  • Introduced: January 8, 2025

Purpose

The bill seeks to ensure that students in high school (grades 9–12) receive instruction on financial education. The goal is to promote financial literacy among secondary students as part of the school curriculum.

Key Provisions (as described)

  • Requires financial education instruction for pupils in grades 9, 10, 11, or 12.
  • (Note: The available summary does not include detailed requirements such as curriculum topics, course hours, assessment methods, or whether the instruction would be integrated into existing courses or offered as a standalone course. The bill’s text would specify those particulars.)

Who Would Be Affected

  • Students in grades 9–12 enrolled in public and/or private schools, depending on the bill’s scope.
  • School districts and schools responsible for implementing the required instruction.
  • Educators and administrators who would deliver, coordinate, or oversee the financial education curriculum.
  • State and local education agencies tasked with curriculum standards and compliance reporting.

Legislative History and Sponsorship

  • Primary Sponsor: Sam Berger
  • Cosponsors: MaryJane Shimsky, Brian Maher, Anil Beephan Jr., Donna Lupardo, Anna Kelles
  • Related/Companion Measures: S 95 (companion bill in the Senate) and numerous prior-session Assembly bills listed (e.g., A 27, A 3533, A 2272, A 1282, A 9972, A 9752, A 1174, A 1357, A 731, A 8216). A companion measure exists in the Senate (S 95).

Procedural and Timeline Aspects

  • Current status: Referred to the Education Committee, indicating the bill is at the early stage of legislative consideration.
  • Action history on record: Two identical entries showing “REFERRED TO EDUCATION” on January 8, 2025, reflecting the committee referral.

Potential Impact and Considerations

  • Educational Impact: If enacted, districts would need to implement or adapt curricula to provide formal financial education for high school students, potentially affecting course offerings, teacher professional development, and assessment practices.
  • Administrative Impact: Schools may require resources for curriculum development, instructional materials, and alignment with state education standards.
  • Equity and Outcomes: A successful program could improve financial literacy among graduates, with potential long-term effects on personal finance decisions and economic well-being.
  • Implementation Timeline: The bill’s text would outline any phase-in periods, pilot programs, or start dates; the current summary does not specify these details.

Next Steps for Readers

  • Monitor for amendments and the bill’s eventual passage or rejection in the Education Committee.
  • Review the full text to understand specific curriculum standards, implementation timelines, and reporting requirements.
  • Compare with companion and related bills (e.g., S 95) to understand variations between the Assembly and Senate proposals.

Compiled from official sources — confirm details with the bill’s official record.

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