Ohio HB 96, Personal Finance Graduation Requirement

Ohio requires it.
We teach it.

Ohio requires a personal finance course for every public high school student. Below is the complete alignment between The Crescara//Project curriculum and Ohio's personal finance education standards.

The Law

What HB 96 actually requires.

Ohio passed a law in 2022 requiring financial literacy instruction as a condition of high school graduation, with the class of 2026 being the first to require the course. The course is half a credit and covers income, taxes, banking, budgeting, saving, credit, insurance, and investing. Private and charter school students are not subject to the requirement.

Ohio schools are now in active curriculum implementation. The Crescara//Project offers Ohio schools a complete, technology-driven financial literacy curriculum that covers every topic Ohio's standards require and builds real financial habits through the Consequence Engine and live brokerage simulations.

2022
Year Ohio passed HB 96, establishing a personal finance graduation requirement for public high school students
2026
First graduating class required to complete a personal finance course under Ohio's law
9 Required Content Areas
Every content area in this state's personal finance standards is covered across Units 1, 2, and 3 of The Crescara//Project.
Full Curriculum Alignment

Every required topic. Covered.

HB 96 Required Topic
Crescara//Project Coverage
Unit
Income and Employment
Ch. 2 Paycheck and Benefits, Ch. 10 Career and Resumes, Ch. 11 Negotiating
Units 1 and 2
Taxes
Ch. 13 Taxes, what a paycheck actually takes, why, and how to file
Unit 2
Budgeting and Money Management
Ch. 3 Budgeting, Ch. 4 Know Where Your Money Is, Ch. 5 Exponential Growth of Money
Unit 1
Saving and Building Wealth
Ch. 5 Exponential Growth of Money, Ch. 6 Banks and Accounts, Ch. 23 High Yield Savings, CDs, and Treasuries
Units 1 and 3
Credit and Debt
Ch. 12 Credit Scores, Ch. 14 Interest Rates, Ch. 16 Credit Cards, Ch. 17 Student Loans
Unit 2
Banking and Financial Services
Ch. 6 Types of Banks, Credit Unions, and Accounts, Ch. 26 Platform Simulations
Units 1 and 3
Insurance and Risk Management
Ch. 18 Healthcare and Disability, Ch. 24 Life Insurance, plus the Consequence Engine insurance scenarios
Units 2 and 3
Investing
Ch. 19 Investment Overview, Ch. 20 Stocks and Bonds, Ch. 21 Funds, Ch. 22 Costs of Investing, Ch. 26 Brokerage Platforms
Unit 3
Financial Goal Setting
Ch. 8 Setting Goals, Ch. 7 Psychology of Money, Ch. 9 How to Build Wealth, Ch. 27 Capstone
Units 1 and 3
Beyond Compliance

Meeting the mandate is the floor. We teach past it.

HB 96 sets the minimum. A checklist of topics is not a curriculum. The Crescara//Project sequences Ohio's required content areas in the order students will actually encounter them in life, connects them to each other, and builds habits through repetition, not review sheets.

You can't teach investing without first teaching budgeting. You can't teach credit without first teaching income. The sequence is the curriculum.

Personalized by geography
Content adapts to each student's real financial context. A student in rural Ohio and a student in a major city are not facing the same realities.
Habits built in, not bolted on
Budgeting, saving, reading fine print, reinforced across all three units through the Consequence Engine, not addressed once in a single chapter.
Zero prior knowledge assumed
Every concept is introduced from scratch. Teachers do not need a financial background. Students do not need one either.
Ready to meet the mandate?

The curriculum is ready now.

Ohio schools that connect now will be ahead of the requirement. Reach out at info@crescaraproject.org.

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