NY A04433

Requires all public and private schools in New York to provide a course or full unit of financial literacy instruction to grade 11 students pursuing a regents, local, or advanced designation regents diploma

Allows schools to fulfill the requirement by either incorporating financial literacy into an existing course with substantial time allotted, or by establishing a standalone financial literacy course

Mandates coverage of 16 specific topics including taxes, student loans, car loans/leases, mortgages/rent, debt, interest rates, credit cards, building credit, bank accounts, IRAs, 529 plans, CDs, online banking, budgeting, stocks/bonds/investing, retirement accounts, foreclosure/bankruptcy/eviction, and insurance

Schools retain authority to determine the order, method, and structure of curriculum beyond the required topics

Commissioner must provide sample instructional materials and resources to support implementation; takes effect 180 days after becoming law