Georgia standards alignment

• SSEPF9

  Partially covered

  Explain ways consumers are protected by rules and regulations.

  Covered by

  • Banking, and Who Has No Bank
  • Predatory Products, Priced
  • Housing: the Lease, the Loan Estimate, and the Map
  • Retirement: the Plan, the Fee Disclosure, and the Floor

  • · 2 · The first gate: four pieces of information
  • · 9 · The second gate: a report about you that you have never seen
  • · 10 · The letter that has to tell you who was consulted
  • · 11 · Getting the file, and what a dispute actually does
  • · 14 · The rule that was made, and then unmade
  • · 23 · Read your own account: what this course leaves you able to do
  • · 1 · What a deposit account actually is
  • · 3 · The fee schedule is a document you can demand
  • · 13 · Overdraft is a mechanism, and it has an on switch
  • · 15 · Why the cost lands where it does, and what an alternative looks like
  • · 2 · A fee is a rate, and the law already told you why
  • · 5 · What the transaction actually is, in a state that licenses it
  • · 8 · The same arithmetic, with the car attached
  • · 18 · Unauthorized is a defined word, and everything depends on it
  • · 19 · What the institution owes you when the definition is met
  • · 20 · When you pressed send, the machine does not start
  • · 21 · The same loss under four different rulebooks
  • · 3 · Congress capped this rate for one class of people
  • · 25 · Who is targeted, taken from the record rather than asserted
  • · 7 · Two states, opposite answers, and how to find yours
  • · 12 · Where the total hides, and what a regulator found
  • · 26 · Capstone: price one product, check one rule, read one document
  • · 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
  • · 21 · Fiduciary is not a compliment, it is a definition
  • · 22 · The same conversation, two different legal seats
  • · 23 · Capstone: read your own record, and the gap it sits inside
  • · 9 · The fee disclosure is a document somebody is required to hand you
  • · 10 · What you actually paid, and the sentence the rule makes them print
  • · 11 · A hypothetical, and why it is not a projection

  What we do and don't cover: Partial, and fuller again since 2026-08-29 when MONEY-07 shipped. Element (a), how government agencies offer protection in banking, is taught directly and from the rules themselves: the FDIC and the NCUA on deposit and share insurance, and the regulations on account disclosure (12 CFR 1030.4), overdraft consent (12 CFR 1005.17) and prepaid disclosure (12 CFR 1005.18). BORROWING, which element (a) also names and which this entry previously left to later courses, is now taught: the Truth in Lending Act's disclosure of the annual percentage rate, the Department of Defense's 36 percent ceiling for covered servicemembers at 32 CFR 232.4, and the state licensing and rate statutes that actually govern small-dollar credit, with a public licence register as the check. Element (c) is met for TWO of the five instruments Georgia names, not one: the Fair Credit Reporting Act (through account screening, the adverse-action notice and the dispute right) and now the Truth in Lending Act, whose primary purpose is quoted from 15 U.S.C. 1601(a) and whose annual-rate computation is worked. The Electronic Fund Transfer Act and Regulation E are taught in depth as well, though Georgia's element (c) list is written with "i.e." rather than "e.g." and does not name them. Element (b) is partly met, through the CFPB complaint route and its published response times; the Better Business Bureau and direct-to-business methods the standard names are not compared. INVESTING PROTECTION, which element (a) names and which this entry previously listed as not taught, was added on 2026-08-29 by MONEY-07 (`retirement-accounts`), and it is the reason this entry was extended rather than a second entry created. Element (a) asks how government agencies offer protection in banking, INVESTMENTS, borrowing, and buying goods and services, and the investments clause is now answered from three separate bodies of law: the Department of Labor rule at 29 CFR 2550.404a-5, which requires a participant-directed plan to disclose each alternative's cost as a percentage AND as dollars per 1,000 invested, to report at least quarterly what was actually charged, and to state in the plan's own words that the cumulative effect of fees can substantially reduce an account's growth; the Investment Advisers Act at 15 U.S.C. 80b-6, read through SEC v. Capital Gains Research Bureau, Inc., 375 U.S. 180 (1963), which is why an adviser owes utmost good faith and full and fair disclosure; and the Securities and Exchange Commission's Regulation Best Interest at 17 CFR 240.15l-1, with Form CRS at 17 CFR 275.204-5, whose delivery is triggered by a rollover recommendation. The course also names the two free public registration records a Georgia student can search. WHAT IS STILL NOT TAUGHT: the Fair Debt Collection Practices Act, the Equal Housing Act and Dodd-Frank, none of which any course in this catalog reads.

• SSEPF10

  Partially covered

  Explain sources of and protection against identity theft.

  Covered by

  • Predatory Products, Priced

  • · 23 · Three tools in the Fair Credit Reporting Act, and what each one does
  • · 18 · Unauthorized is a defined word, and everything depends on it
  • · 19 · What the institution owes you when the definition is met
  • · 20 · When you pressed send, the machine does not start
  • · 21 · The same loss under four different rulebooks

  What we do and don't cover: Partial, and element by element. ELEMENT (c), the steps to take after becoming a victim, is taught in full and from the statute rather than as a checklist: freezing credit histories is the security freeze at 15 U.S.C. 1681c-1(i), free of charge, placed within one business day and lifted within one hour on a telephone or online request; alerting appropriate officials is the initial fraud alert at 1681c-1(a), which one call places in all three nationwide files for at least a year, the extended alert at 1681c-1(b), and the identity theft report obtained free through the Federal Trade Commission's own site; and the course adds the block at 1681c-2, which removes information resulting from an alleged identity theft within four business days of four named items. Replacement cards and password changes are covered only as the ordinary consequence of the Regulation E notice that ends a consumer's liability. ELEMENT (b) is partly met: monitoring your credit report is taught (MONEY-01 works the free annual file disclosure at 15 U.S.C. 1681j), and the course teaches the procedural rule that defeats a telephone impersonation, but shredding, email attachments, secure networks and social-media management are not taught. NOT TAUGHT AT ALL: element (a), the sources of identity theft as a taxonomy (dumpster diving, skimming, phishing, stealing, data breaches), and element (d), investment scams such as Ponzi schemes, pump and dumps and advance-fee scams. The course teaches no securities content of any kind, and a claim on (d) would be invented.

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 Georgia mathematics standard.
• Science — Georgia's own GSE Science (NOT NGSS), deferred not denied. We verified that Georgia's science standards are the Georgia Standards of Excellence for Science — Georgia's own, NOT the NGSS. We did not fetch and transcribe them this pass, and our rule is fetch-or-don't-cite, so Georgia carries no science claim here. The climate-and-resources content the NGSS states pick up through HS-ESS3-1 maps instead to Georgia social studies (World Geography SSWG1 and SSWG5, World History SSWH16). Georgia's high-school Environmental Science standards are the candidate home for a future pass.
• American Government/Civics standards checked and rejected. SSCG2 (the political-philosophy genealogy — the Magna Carta through Hobbes, Locke, Rousseau, and Montesquieu, as named texts), SSCG9 (the impeachment and removal process), and SSCG11 (the federal bureaucracy, its departments and agencies, and the Cabinet) are not genuinely taught, so we do not claim them.
• Economics — most of the personal-finance course, macroeconomics, and the market-structure standards. This entry used to reject the whole personal-finance domain, SSEPF1-10, on the ground that the catalog taught none of it. That changed on 2026-08-28 and the correction is recorded here rather than deleted: SSEPF3 (comparing financial institutions, and comparing cash, debit, prepaid and mobile payment), SSEPF9 (how consumers are protected by rules and regulations), SSEPF2 (element (e) alone, reconciling a checking account and accounting for unposted transactions), SSEPF10 (sources of and protection against identity theft, element (c) in full and (b) in part, with (a) and (d) expressly refused on its own entry) and SSEPF1 (major life decisions) are now claimed, partially, and supersede the blanket rejection. SSEPF9's element (c) also grew, from one of its five named statutes to three, and its entry says which two are still missing. FIVE of the ten are now claimed, all partially: SSEPF1, SSEPF2, SSEPF3, SSEPF9 and SSEPF10. The other five remain unclaimed and are named so the gap stays visible: SSEPF4 (interest rates), SSEPF5 (taxes), SSEPF6 (credit), SSEPF7 (insurance) and SSEPF8 (investing).
• SSEPF5, the taxes standard — read on 2026-08-29 with a whole tax course in the catalog, and still refused. This one deserves its own entry, because from 2026-08-29 the catalog contains MONEY-05 (`taxes-and-filing`), an eighteen-lesson course entirely about federal individual income tax, and a Georgia teacher would reasonably expect SSEPF5 to follow. It does not, and the reason is that Georgia's standard asks for something this course deliberately is not. SSEPF5 reads "Explain how changes in taxation can have an impact on an individual's spending and saving choices," and its two elements are (a) "Describe income, sales, property, capital gains, and estate taxes in the U.S." and (b) "Describe the difference between progressive, regressive, and proportional taxes." ELEMENT (a) NAMES FIVE TAXES AND THIS CATALOG TEACHES ONE. MONEY-05 covers the federal individual income tax and the chapter 21 payroll taxes on wages; it teaches no sales tax, no property tax, no capital gains tax and no estate tax, and it teaches no state or local tax at all. ELEMENT (b) IS A TAXONOMY THE COURSE DOES NOT BUILD. It works the mechanics of withholding, filing, credits and refunds, and it deliberately prints no rate schedule, so it never sets progressive, regressive and proportional side by side as categories. AND THE STEM IS ABOUT SPENDING AND SAVING CHOICES, which is behaviour: MONEY-05 states in three separate lessons that it gives no tax advice and makes no recommendation about what anyone should do with their money, so a standard whose verb reaches a student's choices is exactly the kind this catalog will not claim. Transcribed and re-read from the Georgia Department of Education's Personal Finance and Economics standards document (December 9, 2021) on 2026-08-29. Nothing here is claimed, so no code entry appears above, per fetch-or-do-not-cite.
• World and U.S. history beyond the mapped standards. Georgia's SSWH and SSUSH are full surveys. This catalog teaches world and U.S. history in specific places — exploration and the Columbian Exchange, imperialism and the Opium Wars, the Haitian Revolution, the Gilded Age unions, the Great Migration, Prohibition and the Harlem Renaissance, the Wagner Act, and Poland's exit from communism — not as surveys, so the remaining ancient/medieval, world-war, and U.S.-survey standards are not claimed.
• The direct-democracy tools SSCG17e names — Georgia does not have the initiative. Georgia's own SSCG17e lists "the initiative, referendum, and recall" as limitations citizens may exercise on state and local government. But Georgia has NO statewide citizen initiative: the flagship teaches that absence and the legislative-referral path (a two-thirds vote of each house, then voter ratification) honestly, rather than describing a tool Georgia does not provide. So the standard is claimed (partial) for what Georgia's civics actually is, not padded to look like a direct-democracy state.
• The AI-literacy ladder, the language courses, and Learning How to Learn — deferred, not denied. Georgia's closest frameworks (Computer Science, World Languages) have not been fetched and verified this pass. Our rule is fetch-or-don't-cite, so these courses carry no Georgia claims here.