Monitoring the Session

HB 27

personal financial literacy becomes a required half-credit to graduate

Became law

Verdict: No flags

No flagsInitial review
Rep. Ken KingRHouse 88

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to courses in personal financial literacy and economics for high school students in public schools.

Caption from analyzed text · version I.

Summary

Separate from economics. Ninth graders from 2025-2026 on.

The bill moves personal financial literacy into the core social studies curriculum and makes it a required half-credit for high school graduation, separate from economics. It touches every Texas public school district and open-enrollment charter school with a high school, plus students entering ninth grade in 2025-2026 or later. Schools must offer the course for social studies credit, and it must include instruction on filling out the federal student aid application, while economics stays as one option for a separate social studies credit.

Labels

Labels: INSTANT LAW. Took effect immediately, on Jun 20, 2025. 833 of the 1,185 graded 89R laws took effect Sep 1, 2025 (derived from the bill histories, snapshot Oct 19, 2026).ACROSS THE AISLE. Joint authors: 1 Republican, 2 Democrats. Party as the Legislative Reference Library lists it for the 89th Legislature.

Receipt

The receipt

89R-HB27 · 2025-02-27

SOLD BY

+ 35 coauthors

ITEM

relating to courses in personal financial literacy and economics for high school students in public schools.

WHAT IT DOES

Separate from economics. Ninth graders from 2025-2026 on.

The bill moves personal financial literacy into the core social studies curriculum and makes it a required half-credit for high school graduation, separate from economics. It touches every Texas public school district and open-enrollment charter school with a high school, plus students entering ninth grade in 2025-2026 or later. Schools must offer the course for social studies credit, and it must include instruction on filling out the federal student aid application, while economics stays as one option for a separate social studies credit.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version F · source

Sources

Fiscal note · version F · May 28, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

  1. Filed
  2. Read first time
  3. Referred to Public Education
  4. Scheduled for public hearing on . . .
  5. Considered in public hearing
  6. Testimony taken/registration(s) recorded in committee
  7. Left pending in committee
  8. Considered in formal meeting
  9. Committee substitute considered in committee
  10. Reported favorably as substituted
  11. Comte report filed with Committee Coordinator
  12. Committee report distributed
  13. Committee report sent to Calendars
  14. Considered in Calendars
  15. Placed on General State Calendar
  16. Read 2nd time
  17. Passed to engrossment
  18. Record vote RV#421
  19. Statement(s) of vote recorded in Journal
  20. Read 3rd time
  21. Passed
  22. Record vote RV#468
  23. Statement(s) of vote recorded in Journal
  24. Reason for vote recorded in Journal
  25. Reported engrossed
  26. Received from the House
  27. Read first time
  28. Referred to Education K-16
  29. Considered in public hearing
  30. Vote taken in committee
  31. Reported favorably w/o amendments
  32. Recommended for local & uncontested calendar
  33. Committee report printed and distributed
  34. Co-sponsor authorized
  35. Placed on intent calendar
  36. Rules suspended-Regular order of business
  37. Read 2nd time
  38. Amendment(s) offered FA1 Flores
  39. Amended
  40. Vote recorded in Journal
  41. Passed to 3rd reading as amended
  42. Vote recorded in Journal
  43. Three day rule suspended
  44. Record vote
  45. Read 3rd time
  46. Passed
  47. Record vote
  48. Senate passage as amended reported
  49. Senate Amendments distributed
  50. Senate Amendments Analysis distributed
  51. House concurs in Senate amendment(s)
  52. Record vote RV#4034
  53. Statement(s) of vote recorded in Journal
  54. Text of Senate Amendment(s)
  55. House concurs in Senate amendment(s)-reported
  56. Reported enrolled
  57. Signed in the House
  58. Signed in the Senate
  59. Sent to the Governor
  60. Signed by the Governor
  61. Effective immediately
FILED UNDER

No verified beat found.

SIGNED FOR BY

House · 140 yea · 1 nay

Senate · 31 yea · 0 nay

Sources

House: Final passage · Apr 24, 2025. Journal. Published stock for this vote. Snapshot 2026-10-19, Central time.

Senate: Final passage · May 27, 2025. Journal. Published stock for this vote. Snapshot 2026-10-19, Central time.

All floor motions and other positions below.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Donors

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Jul 16, 2024 to Oct 22, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Defend Rural Texas PAC$203,547.49

Defend Rural Texas PAC

$203,547.49

Cash
$0.00
Paid by others
$203,547.49
Total
$203,547.49
television $165,000.00radio $25,000.00texting $13,547.49

Also funds 1 other sitting lawmakers.

Derived recipient stock · Feb 4, 2026 to Aug 7, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Feb 4, 2026 to Aug 7, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101040115, 101058003, 101068175.

Texas Trial Lawyers Association PAC$175,000.00

Texas Trial Lawyers Association PAC

$175,000.00

Cash
$175,000.00
Paid by others
$0.00
Total
$175,000.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Sep 17, 2024 to Sep 16, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100983150, 101008206, 101028141, 101035143, 101040115, 101058003, 101068175.

Coalition for Working Families PAC$100,000.00

Coalition for Working Families PAC

$100,000.00

Cash
$100,000.00
Paid by others
$0.00
Total
$100,000.00

Also funds 24 other sitting lawmakers.

Derived recipient stock · Dec 25, 2025 to Oct 15, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Feb 3, 2026 to Feb 20, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101040115.

Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Defend Rural Texas PAC

$203,547.49

Cash
$0.00
Paid by others
$203,547.49
Total
$203,547.49
television $165,000.00radio $25,000.00texting $13,547.49

Also funds 1 other sitting lawmakers.

Derived recipient stock · Feb 4, 2026 to Aug 7, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Feb 4, 2026 to Aug 7, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101040115, 101058003, 101068175.

×

Texas Trial Lawyers Association PAC

$175,000.00

Cash
$175,000.00
Paid by others
$0.00
Total
$175,000.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Sep 17, 2024 to Sep 16, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100983150, 101008206, 101028141, 101035143, 101040115, 101058003, 101068175.

×

Coalition for Working Families PAC

$100,000.00

Cash
$100,000.00
Paid by others
$0.00
Total
$100,000.00

Also funds 24 other sitting lawmakers.

Derived recipient stock · Dec 25, 2025 to Oct 15, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Feb 3, 2026 to Feb 20, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101040115.

Votes6

House May 29, 2025

Yea
135
Nay
2
Present, not voting
1
Absent
6
Excused
6
Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 4034

Representative King moved to concur in the senate amendments to HB 27. The motion to concur in the senate amendments to HB 27 prevailed by (Record 4034): 135 Yeas, 2 Nays, 1 Present, not voting.

Published stock of positions for this vote, except where marked derived.

  • Yea: 135 (published)
  • Nay: 2 (published)
  • Present, not voting: 1 (published)
  • Absent: 6 (derived from named list)
  • Excused: 6 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

Senate May 27, 2025

Yea
31
Nay
0
Present, not voting
Not printed
Absent
Not printed
Excused
Not printed
Names

Senate journal

Names were not printed. No individual positions are inferred.

Sources

Senator Flores moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that HB 27 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 31, Nays 0. The bill was read third time and was passed by the following vote: Yeas 31, Nays 0.

Published stock of positions for this vote, except where marked derived.

  • Yea: 31 (published)
  • Nay: 0 (published)
  • Present, not voting: Not printed
  • Absent: Not printed
  • Excused: Not printed

Senate journal. Source snapshot 2026-10-19, Central time.

Senate May 27, 2025

Yea
31
Nay
0
Present, not voting
Not printed
Absent
Not printed
Excused
Not printed
Names

Senate journal

Names were not printed. No individual positions are inferred.

Sources

Senator Flores moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that HB 27 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 31, Nays 0.

Published stock of positions for this vote, except where marked derived.

  • Yea: 31 (published)
  • Nay: 0 (published)
  • Present, not voting: Not printed
  • Absent: Not printed
  • Excused: Not printed

Senate journal. Source snapshot 2026-10-19, Central time.

Senate May 27, 2025

Yea
Not printed
Nay
Not printed
Present, not voting
Not printed
Absent
Not printed
Excused
Not printed
Names

Senate journal

Names were not printed. No individual positions are inferred.

Voice vote. No numeric tally or individual yeas are inferred.

Sources

HB 27 as amended was passed to third reading by a viva voce vote.

Published stock of positions for this vote, except where marked derived.

  • Yea: Not printed
  • Nay: Not printed
  • Present, not voting: Not printed
  • Absent: Not printed
  • Excused: Not printed

Senate journal. Source snapshot 2026-10-19, Central time.

House Apr 24, 2025

Yea
140
Nay
1
Present, not voting
2
Absent
6
Excused
1
Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 468

HB 27 was passed by (Record 468): 140 Yeas, 1 Nays, 2 Present, not voting.

Published stock of positions for this vote, except where marked derived.

  • Yea: 140 (published)
  • Nay: 1 (published)
  • Present, not voting: 2 (published)
  • Absent: 6 (derived from named list)
  • Excused: 1 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

House Apr 23, 2025

Yea
140
Nay
4
Present, not voting
1
Absent
5
Excused
0
Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 421

CSHB 27 was passed to engrossment by (Record 421): 140 Yeas, 4 Nays, 1 Present, not voting.

Published stock of positions for this vote, except where marked derived.

  • Yea: 140 (published)
  • Nay: 4 (published)
  • Present, not voting: 1 (published)
  • Absent: 5 (derived from named list)
  • Excused: 0 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

Witnesses52
For
44
Against
4
On
4
Names

For

  • ATPE1 registration
  • Baptist General Convention of Texas Christian Life Commission1 registration
  • Consumer Service Alliance of Texas1 registration
  • Democrats for Education Reform TX1 registration
  • Greater Houston Partnership1 registration
  • Healthy Futures of Texas1 registration
  • Independent Bankers Association of TX1 registration
  • National Association of Benefits & Insurance Professionals (NABIP) Texas Chapter1 registration
  • National Association of Insurance and Financial Advisors2 registrations
  • Self8 registrations
  • Self; Next Gen Personal Finance1 registration
  • Self; NGPF Mission 2030 Fund1 registration
  • Self; Students Engaged in Advancing Texas1 registration
  • Self; Texas Association of Manufacturers (TAM)1 registration
  • Self; Texas Impact1 registration
  • Self; True Texas Project2 registrations
  • Self; True Texas project1 registration
  • Self; True texas project1 registration
  • Self; True TX project1 registration
  • Students Engaged in Advancing Texas (SEAT)1 registration
  • Texas Association of Business1 registration
  • Texas Association of Life and Health Insurers1 registration
  • Texas Association of School Boards1 registration
  • Texas Bankers Association1 registration
  • Texas CASA1 registration
  • Texas Consumer Credit Coalition1 registration
  • Texas Consumer Finance Association1 registration
  • Texas Credit Union Association1 registration
  • Texas Education 9111 registration
  • Texas Mortgage Bankers Association1 registration
  • Texas Network of Youth Services1 registration
  • Texas PTA1 registration
  • Texas Society of Certified Public Accountants1 registration
  • United Ways of Texas1 registration
  • Wells Fargo1 registration

Against

  • NAACP Legal Defense Fund2 registrations
  • Self2 registrations

On

  • Self1 registration
  • TEA1 registration
  • Texas Association of School Administrators1 registration
  • Texas Education Agency1 registration
Sources

52 parsed registrations across the loaded witness lists.

Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.

House witness list. Source snapshot 2026-10-20, Central time.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version F · source

Sources

Fiscal note · version F · May 28, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Feb 27, 2025

06/20/2025 E Effective immediately

Texas Legislature Online · Introduced · House Committee Report · Engrossed · Senate Committee Report · Enrolled

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

Coauthors
Sponsors
Cosponsors

House committee · Public Education · Committee vote 14 aye, 0 nay, 1 absent · Out of committee

Senate committee · Education K-16 · Committee vote 9 aye, 0 nay, 2 absent · Out of committee

Companion

HB 2451 by King (duplicate)

Subjects

Education--Primary & Secondary--Curriculum

EDUCATION, STATE BOARD OF

Text

The text as introduced · 830 words

89R7722 GP-F

By: King
H.B. No. 27

A BILL TO BE ENTITLED

AN ACT

relating to courses in personal financial literacy and economics

for high school students in public schools.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 28.002(a), Education Code, is amended to

read as follows:

(a) Each school district that offers kindergarten through

grade 12 shall offer, as a required curriculum:

(1) a foundation curriculum that includes:

(A) English language arts;

(B) mathematics;

(C) science; and

(D) social studies, consisting of Texas, United

States, and world history, government, personal financial

literacy, economics, with emphasis on the free enterprise system

and its benefits, and geography; and

(2) an enrichment curriculum that includes:

(A) to the extent possible, languages other than

English;

(B) health, with emphasis on:

(i) physical health, including the

importance of proper nutrition and exercise;

(ii) mental health, including instruction

about mental health conditions, substance abuse, skills to manage

emotions, establishing and maintaining positive relationships, and

responsible decision-making; and

(iii) suicide prevention, including

recognizing suicide-related risk factors and warning signs;

(C) physical education;

(D) fine arts;

(E) career and technology education;

(F) technology applications; and

(G) religious literature, including the Hebrew

Scriptures (Old Testament) and New Testament, and its impact on

history and literature [ ; and

[ (H) personal financial literacy ].

SECTION 2. Section 28.0021(b), Education Code, is amended

to read as follows:

(b) Each school district and each open-enrollment charter

school that offers a high school program shall provide a [ an

elective ] course in personal financial literacy that meets the

requirements for a one-half social studies [ elective ] credit under

Section 28.025, using materials approved by the State Board of

Education. The instruction in personal financial literacy must

include instruction on completing the application for federal

student aid provided by the United States Department of Education.

In fulfilling the requirement to provide financial literacy

instruction under this section, a school district or

open-enrollment charter school may use an existing state, federal,

private, or nonprofit program that provides students without charge

the instruction described under this section.

SECTION 3. Sections 28.025(b-1) and (b-23), Education Code,

are amended to read as follows:

(b-1) The State Board of Education by rule shall require

that the curriculum requirements for the foundation high school

program under Subsection (a) include a requirement that students

successfully complete:

(1) four credits in English language arts under

Section 28.002(a)(1)(A), including one credit in English I, one

credit in English II, one credit in English III, and one credit in

an advanced English course authorized under Subsection (b-2);

(2) three credits in mathematics under Section

28.002(a)(1)(B), including one credit in Algebra I, one credit in

geometry, and one credit in any advanced mathematics course

authorized under Subsection (b-2);

(3) three credits in science under Section

28.002(a)(1)(C), including one credit in biology, one credit in any

advanced science course authorized under Subsection (b-2), and one

credit in integrated physics and chemistry or in an additional

advanced science course authorized under Subsection (b-2);

(4) three credits in social studies under Section

28.002(a)(1)(D), including one credit in United States history, at

least one-half credit in government and at least one-half credit in

[ economics or ] personal financial literacy [ & economics ], and one

credit in economics, world geography , or world history;

(5) except as provided under Subsections (b-12),

(b-13), and (b-14), two credits in the same language in a language

other than English under Section 28.002(a)(2)(A);

(6) five elective credits;

(7) one credit in fine arts under Section

28.002(a)(2)(D); and

(8) except as provided by Subsection (b-11), one

credit in physical education under Section 28.002(a)(2)(C).

(b-23) The agency shall:

(1) develop a list of free, open-source, and publicly

available curricula that may be used by a school district to provide

a personal financial literacy [ & economics ] course that satisfies

the curriculum requirement under Subsection (b-1)(4); and

(2) seek, accept, and spend any federal or private

grant funds and gifts that are available for the purpose of

providing a personal financial literacy [ & economics ] course as

part of the foundation high school program.

SECTION 4. Section 28.025(b-22), Education Code, is

repealed.

SECTION 5. Sections 28.0021(b) and 28.025(b-1), Education

Code, as amended by this Act, apply only to students entering the

ninth grade during the 2025-2026 school year or a later school year.

For students entering a grade above ninth grade during the

2025-2026 school year, Sections 28.0021(b) and 28.025(b-1),

Education Code, as those sections existed before amendment by this

Act, apply, and those sections are continued in effect for that

purpose.

SECTION 6. This Act applies beginning with the 2025-2026

school year.

SECTION 7. This Act takes effect immediately if it receives

a vote of two-thirds of all the members elected to each house, as

provided by Section 39, Article III, Texas Constitution. If this

Act does not receive the vote necessary for immediate effect, this

Act takes effect September 1, 2025.