Financial literacy - Concepts of personal finance - Inclusion in curriculum
N.D. Cent. Code § 15.1-21-21
in effect15.1-21-21. Financial literacy - Concepts of personal finance - Inclusion in curriculum
1. Each school district shall require each student to complete one-half unit of financial
literacy or ensure that its curriculum for either economics or problems of democracy
includes the exposure of students to concepts of personal finance, including:
a. Budgeting and money management;
b. Saving and investing;
c. Credit and debt management;
d. Banking and financial services;
e. Taxation and income;
f. Consumer skills and smart spending;
g. Insurance and risk management;
h. College and career financial planning;
i. Retirement planning; and
j. Entrepreneurship and economic concepts.
2. Upon written request, the superintendent of public instruction may allow a school
district annually to select courses other than economics or problems of democracy for
purposes of exposing students to the concepts of personal finance, as listed in this
section, provided the school district can demonstrate that the number of students
exposed to the concepts in the other selected courses would meet or exceed the
number of students exposed under the requirements of subsection 1.
3. 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.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://ndlegis.gov/cencode/t15-1c21.pdf#nameddest=15p1-21-21Fetched: 10/16/2026