MA H627

Establishes a Financial Literacy Trust Fund administered by the Commissioner of Elementary and Secondary Education, funded through appropriations, interest, and public/private donations, with priority focus on underserved communities and economically disadvantaged school districts

Requires all high school students (grades 9-12) to complete at least one standalone personal financial literacy course of at least half a semester before graduation as a condition of eligibility

Mandates curriculum covering income/spending, taxes, budgeting, saving, banking, credit, investments, asset protection, identity theft prevention, cryptocurrencies, online commerce, and home buying/renting

Requires the Department of Elementary and Secondary Education to provide professional development for educators and at least one experiential financial literacy learning opportunity per student

Creates a special legislative commission to develop a statewide financial literacy strategy for all residents, with a report due by December 1, 2025, including recommendations on adult financial literacy standards and public-private partnerships