Regular Session
Government Affairs & Regulatory Compliance Analysis
The Texas Legislature has mandated the unbundling of Personal Financial Literacy (PFL) from Economics, requiring a standalone 0. 5 credit PFL course for high school graduation beginning with the freshman class of the 2026-2027 school year. This legislation renders current "hybrid" PFL/Economics curriculum products obsolete for incoming cohorts and necessitates immediate product roadmap adjustments for EdTech vendors and publishers to avoid breach of contract.
Rep. Ken King·House Bill·Regular Session
State Board of Education (SBOE) • Texas Education Agency (TEA)
This legislation has regulatory implications for the following Texas businesses and organizations:
Notable regulatory updates (effective 2025-06-20). Consider how these changes may affect your operations.
Affected business types:
lowMinimal cost impact anticipated.
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JD Key Consulting provides strategic guidance on Texas regulatory compliance and legislative impact for your business.
Key implementation requirements and action items for compliance with this legislation
Review Multi-Year MSAs: Educational publishers and vendors must audit existing multi-year Master Services Agreements with school districts.
Dual-Track Staffing: Districts will require staffing for two distinct graduation tracks between 2026 and 2029.
SIS Configuration: Student Information Systems must be updated to validate graduation credits based on cohort year.
Curriculum Development: Vendors face immediate R&D costs to unbundle content into two distinct SKUs (Economics vs. PFL).
Grant Opportunities: Financial institutions (Banks/Credit Unions) should allocate CSR budgets now. The law authorizes TEA to accept private funds for curriculum development, creating a strategic opportunity for branded content integration via state-sanctioned grants.
1. The "AP" Loophole: The SBOE must designate Advanced Placement courses that satisfy the PFL requirement. As no specific "AP Personal Financial Literacy" course currently exists, the Board may rule that *AP Macroeconomics* or *AP Microeconomics* suffices.
2. "Free" Curriculum Definition: TEA is mandated to list "free, open-source" curricula. It is unclear if TEA will simply list existing resources or host a state-funded, turnkey LMS module.
JD Key Consulting specializes in Texas regulatory compliance strategy. Work directly with James Dickey—former Chairman of the Republican Party of Texas—to understand this bill's impact on your operations and develop an actionable compliance plan.
Schedule a ConsultationInformation presented is for general knowledge only and is provided without warranty, express or implied. Consult qualified government affairs professionals and legal counsel before making compliance decisions.
This bill's path through the Texas Legislature
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Common questions about HB27
The Texas Legislature has mandated the unbundling of Personal Financial Literacy (PFL) from Economics, requiring a standalone 0. 5 credit PFL course for high school graduation beginning with the freshman class of the 2026-2027 school year. This legislation renders current "hybrid" PFL/Economics curriculum products obsolete for incoming cohorts and necessitates immediate product roadmap adjustments for EdTech vendors and publishers to avoid breach of contract.
HB27 was authored by Texas Representative Ken King during the Regular Session.
HB27 was signed into law by Governor Greg Abbott on June 20, 2025.
HB27 is enforced by State Board of Education (SBOE) and Texas Education Agency (TEA).
The regulatory priority for HB27 is rated as "moderate". Businesses and organizations should review the legislation to understand potential impacts.
The cost impact of HB27 is estimated as "low". This may vary based on industry and implementation requirements.
HB27 addresses topics including education, education--primary & secondary, education--primary & secondary--curriculum and education, state board of.
Key dates for HB27: Effective date is 2025-06-20. Rulemaking: Adopt rules amending the foundation high school program to mandate the 0.5 credit Personal Financial Literacy requirement and designate eligible Advanced Placement (AP) courses that satisfy this credit. (Prior to 2026-2027 School Year); Develop and publish a list of free, open-source, and publicly available curricula for the Personal Fi
JD Key Consulting is an Austin, Texas-based government affairs firm led by James Dickey, former Chairman of the Republican Party of Texas. We specialize in Texas regulatory compliance and legislative strategy for data centers, energy, banking, and manufacturing.
