MO HB2867

Requires Missouri students to complete one-half unit of personal finance credit after grade nine to receive a high school diploma, beginning with the 2027-28 school year

Mandates curriculum covering 10 topics: earning income, budgeting, saving, banking, credit and loans, credit cards, investing and retirement, fraud prevention, taxes, and major purchases like housing and automobiles

Directs the Department of Elementary and Secondary Education to convene a work group including educators (at least 25% of members), banking representatives, entrepreneurs, and industry professionals from investment, student loan, retirement, and insurance sectors

Requires the State Board of Education to adopt academic performance standards for personal finance by 2027-28, with mandatory review every seven years to reflect current economic trends

Allows school districts to waive the requirement for out-of-state transfer students who completed substantially similar coursework, and permits ninth graders to take the course early if recommended by a school counselor