Illinois standards alignment

• SS.9-12.EC.FL.9

  Partially covered

  Evaluate the disparate impact of government and private business policies related to banking, credit, and mortgage lending in one's own and others' contexts while using current economic indicators to analyze or propose future policies.

  Covered by

  • Credit, and the Decisions Made About You
  • Housing: the Lease, the Loan Estimate, and the Map

  • · 15 · A gate that has to state a standard
  • · 1 · Before it is about scores, it is about a calendar
  • · 7 · The file that does not exist
  • · 6 · Who is allowed to look, and the four words that end the list
  • · 17 · What an appraisal is, and who it is actually for
  • · 18 · The copy you are entitled to, and the clock on it
  • · 19 · Appraising is written into the statute, and so is the exception
  • · 21 · One sentence of policy, and the list underneath it
  • · 22 · The covenant is still in the file, and a statute says what to do about it
  • · 23 · Capstone: the finding Congress wrote down, and one document of your own
  • · 5 · A mortgage is two documents, and only one of them is the loan
  • · 6 · Amortisation, and why the early payments are almost all interest
  • · 7 · The three numbers the form is required to print, and what each one means
  • · 9 · Six pieces of information, and the clock they start
  • · 10 · Reading the Loan Estimate, box by box
  • · 11 · The Closing Disclosure, and the rules that make an estimate mean something

  What we do and don't cover: Partial, and the strongest fit in the Illinois strand. Disparate impact in credit is core content: the Equal Credit Opportunity Act's prohibited bases and their reach over any aspect of a credit transaction, why a required statement of specific reasons is what makes that prohibition testable at all, how a thin or absent file forecloses access regardless of conduct, and the catalog's own history of a federal credit gate operated by neighbours under a character test. The mortgage-lending clause of this standard, which MONEY-01 could not reach, was filled on 2026-08-28 by MONEY-06 (`housing-decisions`): the Fair Housing Act's coverage of residential real estate-related transactions including appraising, HUD's parallel rule reaching a person who uses a valuation they should know is tainted, the racially restrictive covenant as a document still in the county land records, and the congressional finding in the Home Mortgage Disclosure Act that some depository institutions contributed to the decline of certain geographic areas by failing to lend to qualified applicants. That finding is why this clause of the standard is answerable from a statute rather than from an assertion. STILL NOT covered, and the reason the entry remains partial: the second half of the standard asks students to use current economic indicators to analyze or propose future policies, which is macroeconomic and policy-design work no course in this series does. This entry's text was re-fetched from the ISBE document on 2026-08-28 and is unchanged.

• SS.9-12.EC.FL.4

  Partially covered

  Analyze costs and benefits of different credit and payment options for goods and services, the role of lenders and interest, and the impact of each on individuals and multiple communities.

  Covered by

  • Credit, and the Decisions Made About You
  • Predatory Products, Priced

  • · 21 · The number that exists so two offers can be compared
  • · 13 · Read your own adverse action notice
  • · 14 · The second notice on the same page
  • · 1 · Before it is about scores, it is about a calendar
  • · 7 · The file that does not exist
  • · 5 · What the transaction actually is, in a state that licenses it
  • · 6 · The first loan is not where the money is
  • · 8 · The same arithmetic, with the car attached
  • · 10 · Two numbers, and the only comparison that matters
  • · 15 · Two products, and only one of them is a loan
  • · 16 · Overdraft, priced the way this course prices everything else
  • · 2 · A fee is a rate, and the law already told you why
  • · 11 · Why there is no rate on the page
  • · 12 · Where the total hides, and what a regulator found

  What we do and don't cover: Partial, and it got fuller on 2026-08-28 when MONEY-04 shipped. The role of lenders is MONEY-01's subject: how a lender reaches a credit decision, what it must disclose, and what recourse follows. Interest and cost are taught through the annual percentage rate as the standardized figure the Truth in Lending Act requires so two offers can be ranked, with the statutory computation worked. THE BREADTH THIS ENTRY PREVIOUSLY SAID WAS MISSING, a survey of DIFFERENT credit options, now exists: payday lending, vehicle title lending, rent-to-own, refund advances and overdraft, each priced from the statute that governs it and each converted into the same unit so they can be set beside one another. The impact on individuals and multiple communities is reached through the exclusion history the catalog already carries and through the enforcement record, which names populations rather than asserting them. NOT covered: a survey of PAYMENT options, which is MONEY-02's rather than this pair's, and credit cards, which nothing in this catalog teaches.

What we don't claim

A standards page is only worth reading if the omissions are honest too. We looked at these and left them out:

• Mathematics — nothing. This catalog does no mathematics instruction, so it meets no Illinois Common Core (Illinois Learning Standards) mathematics standard.
• Science — one partial claim, via the shared NGSS file. Illinois adopted the NGSS verbatim (January 2014) as its science standards, so our one honest science claim — HS-ESS3-1, partial — comes through the shared NGSS mapping with the limit stated on the entry. There is no laboratory work, investigation, or modelling in this catalog, and we will not claim more.
• Financial Literacy — one rejection, two editions of codes, and the whole history in order. Until 2026-08-28 this entry said Illinois's Economics strand carried a six-standard Financial Literacy sub-strand and that the catalog claimed none of SS.EC.FL.1-6. Two things were wrong with that by then. First, the catalog now teaches one personal-finance course, MONEY-01, on how a consumer credit decision is made. Second, and more seriously, SS.EC.FL.1-6 are the codes of the 2017 printing; ISBE's current document, adopted for implementation in 2022-2023, renumbered the strand to SS.9-12.EC.FL, extended it from six standards to nine, rewrote the text of every one, and prints FL.6 as "No standard." Two of the nine are claimed above, SS.9-12.EC.FL.9 and SS.9-12.EC.FL.4, both as partials with their gaps named. FL.9's mortgage-lending clause, which the credit course could not reach and which this entry previously deferred to a course that did not yet exist, was filled on 2026-08-28 when MONEY-06 (`housing-decisions`) shipped; the standard stays partial because its economic-indicators half is still not taught. The other seven are not claimed. FL.3 is time, interest rates and inflation over a saving lifetime, and FL.5 is diversified investment risk and return; both are outside this catalog. FL.1 (costs and benefits subject to factors outside one's control) and FL.7 (cognitive biases, environmental influences and access to resources in financial decision-making) each contain a clause the course genuinely teaches, the structural constraint on access, but each also asks for a decision-making method the course does not deliver, so they are left unclaimed rather than stretched to a thin partial. FL.2 is information-gathering, planning and budgeting; the course teaches the first and refuses the other two, since it gives no financial advice. FL.8 is risk disposition and opportunity recognition, which the course does not teach at all. FL.6 has no standard to claim. ONE OPEN QUESTION, FILED RATHER THAN GUESSED: only the FL strand was re-fetched this pass, so the SS.CV, SS.EC, SS.G, SS.H and SS.IS codes elsewhere in this file still cite the 2017 document and may have moved in the same revision. That is recorded as a research check rather than assumed either way. MERGED 2026-08-29, AND THIS IS THE PART A TEACHER SHOULD READ. Until then a SECOND Financial Literacy rejection sat beside this one and contradicted it. That entry said Illinois's strand has six standards, that SS.EC.FL.6 is insurance, and that SS.EC.FL.2 and SS.EC.FL.4 are claimed. Under the edition ISBE currently publishes none of those three statements holds: the strand has nine standards, FL.6 is printed "No standard.", and the two claims made against the current numbering are FL.9 and FL.4, not FL.2 and FL.4. Its substance is folded in here instead of being deleted, because the thing it described is real and is still in this file. The Economics framework above carries entries coded SS.EC.FL.2.9-12 and SS.EC.FL.4.9-12, added on 2026-08-28 when MONEY-02 shipped, and those are 2017 codes, consistent with the rest of that framework and inconsistent with this one. Concretely: FL.2 at 2017 numbering (informed financial decisions by collecting information, planning and budgeting) is claimed as a partial on its collecting-information half alone, and FL.4 at 2017 numbering (the costs and benefits of payment options) is claimed as a partial on its payment half, with credit, lenders and interest expressly left to MONEY-01. The four the old entry named as unclaimed at 2017 numbering, and which stay unclaimed, are FL.1 (strategies to increase income), FL.3 (time, interest rates and inflation on saving), FL.5 (diversified investment risk and return) and FL.6 (the costs and benefits of insurance). SO ILLINOIS CURRENTLY SHOWS THE SAME TEACHING TWICE, UNDER TWO EDITIONS OF THE SAME STRAND, and that is not a state of affairs to leave standing: it belongs to the same open question as the rest of the SS.EC codes, and it is deliberately NOT patched here, because moving those two entries means re-reading the whole 2017-cited half of this file against the current document rather than editing two lines. The research check is the place that job is tracked.
• The Illinois Civics flagship's Illinois-specific structure has no Illinois code to cite. Illinois Civics teaches the 1970 Constitution, the plural executive (uniquely both a Comptroller and a Treasurer), the partisan-elected Supreme Court, the uniquely narrow Legislative-Article initiative and the 1980 Cutback Amendment, and one of the nation's strongest home-rule traditions — from Illinois's own official sources. But the 2017 Social Science Standards are DISCIPLINARY CONCEPTS: no standard names a state's structure, so these lessons map only onto the abstract institution and participation standards (SS.CV.1, SS.CV.2, SS.CV.3). The gap is in the standards, not the course.
• Civics standards we checked and rejected. SS.CV.5 (civic dispositions and diverse perspectives as a named concept) and SS.CV.6 (political parties, the media, and public interest groups — our media literacy is consumer protection, not political-media analysis) are not genuinely taught, so we do not claim them.
• The disciplinary standards we read and did not claim. Across History, Economics, and Geography we claim only the concept standards the catalog genuinely teaches. SS.H.2/4/5/6/11/12, SS.EC.2-4/6-8, and SS.G.1-5/7/9/10 were checked and not claimed — the change-and-continuity, market-mechanics, macroeconomic-indicator, mapping-tool, and culture standards are not this catalog's subject. The reject list is the evidence the map was not padded.