BILL ANALYSIS                                                                                                                                                                                                    Ó



          SENATE COMMITTEE ON EDUCATION
                              Senator Carol Liu, Chair
                                2015 - 2016  Regular 

          Bill No:             AB 2546             
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          |Author:    |Calderon                                             |
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          |Version:   |April 7, 2016                               Hearing  |
          |           |Date:    June 15, 2016                               |
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          |Urgency:   |No                     |Fiscal:    |Yes              |
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          |Consultant:|Lynn Lorber                                          |
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          Subject:  Pupil instruction:  history-social science curriculum  
          framework:  financial literacy

            SUMMARY
          
          This bill requires the Instructional Quality Commission, during  
          the next revision of the history-social science framework, to  
          consider including information on financial literacy.

            BACKGROUND
          
          1)   Establishes the Instructional Quality Commission (formerly  
               known as the Curriculum Commission) as an advisory body to  
               the State Board of Education (SBE) on matters related to  
               curriculum, instructional materials, and content standards.  
                (Education Code § 33530)

          2)   Requires the SBE, during the next revision of the  
               history-social science framework (after January 2014), to  
               ensure the integration of components of financial literacy,  
               among other things.  (EC § 51284)

          3)   Requires the IQC, when the history-social science framework  
               is revised, to receive input from civics learning experts,  
               consider how civics and history instruction includes the  
               application of content, ensure that voter education  
               information is included, ensure specified historical  
               documents are incorporated, and consider incorporating  
               additional historical documents.  (EC § 33540)








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          4)   Requires the IQC, during the next revision (after 2014) of  
               the history-social science framework, to consider including  
               instruction on the election of President Barack Obama and  
               the significance of the United States electing its first  
               African American President.  (EC § 33543)

          5)   Requires the Great Irish Famine of 1845-50 to be considered  
               in the next cycle (after mid-1990s) in which the  
               history-social science framework is adopted.  
               (EC § 51226.3)

          6)   Requires the IQC to consider incorporating into the  
               history-social science framework the Armenian, Cambodian,  
               Darfur, and Rwandan genocides.  
               (EC § 51226.3)

          7)   Requires the SBE, when it revises and adopts the  
               history-social science framework after January 1, 2016, to  
               consider including instruction on the 
               unconstitutional deportation to Mexico during the Great  
               Depression of citizens and lawful permanent residents of  
               the United States.  (EC § 51226.3)

          8)   Requires the Instructional Quality Commission (IQC), when  
               next revising the history-social science framework (after  
               2013) to ensure that voter education information is  
               included in the American government and civics curriculum  
               at the high school level.  (EC § 33540)

          9)   Requires the State Board of Education (SBE) to ensure that  
               the state curriculum and framework, where appropriate,  
               include instruction on Cesar Chavez and the history of the  
               farm labor movement in the United States, and the role of  
               immigrants, including Filipino Americans, in that movement,  
               and that the state criteria for selecting textbooks include  
               information to guide the selection of textbooks that  
               contain sections that highlight the life and contributions  
               of Cesar Chavez, the history of the farm labor movement in  
               the United States, and the role of immigrants, including  
               Filipino Americans, in that movement.  (EC § 51008)

          10)  Authorizes instruction in all areas of study to include  
               grade-level appropriate instruction on violence awareness  
               and prevention, as specified.  








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               (EC § 51210.5 and § 51220.3)

          11)  Encourages the incorporation of survivor, rescuer,  
               liberator, and witness oral testimony into the teaching of  
               human rights, the Holocaust, and genocide.  
               (EC § 51226.3)

          12)  Encourages state and local professional development  
               activities to provide teachers with content background and  
               resources to assist them in teaching about civil rights,  
               human rights violations, genocide, slavery, the Armenian  
               Genocide, the Holocaust, and the Great Irish Famine of  
               1845-50.  (EC § 51226.3)

            ANALYSIS
          
          This bill requires the Instructional Quality Commission (IQC),  
          to consider including information on financial literacy in the  
          history-social science framework.  Specifically, this bill:

          1)   Requires the IQC, when the history-social science framework  
               is revised after January 1, 2017, to consider including  
               age-appropriate information on financial literacy that  
               includes, but is not limited to, all of the following:

                    a)             Fundamentals of banking for personal  
                    use, including savings and checking.

                    b)             Principles of budgeting and personal  
                    finance.

                    c)             Employment and understanding factors  
                    that affect net income.

                    d)             Uses and costs of credit, including the  
                    relation of debt and interest to credit.

                    e)             Uses and costs of loans, including  
                    student loans.

                    f)             Types and costs of insurance.

                    g)             Forms of governmental taxation.









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                    h)             Principles of investing and building  
                    wealth.

                    i)             Identity theft and security.

                    j)             Planning and paying for postsecondary  
                    education.

                    aa)            Charitable giving.

          2)   Requires the IQC to consider including information on  
               financial literacy at least twice in each of the following  
               grade spans:

               a)        Kindergarten to grade 5.

               b)        Grades 6 to 8.

               c)        Grades 9 to 12.

          STAFF COMMENTS
          
          1)   Need for the bill.  According to the author, "Financial  
               illiteracy negatively impacts young people entering the  
               labor market.  Financial illiteracy also hinders adults and  
               their hopes for retirement.  Even though the draft  
               history-social science framework that the Instructional  
               Quality Commission (IQC) is in the Process of finalizing  
               includes basic economic concepts in early elementary grades  
               and a semester long economics course in grade 12, financial  
               literacy should be included throughout a student's  
               educational career.  To achieve that goal, AB 2546 will  
               require the IQC to include financial literacy in six  
               different grade levels during its next curriculum framework  
               update."

          2)   Already in the framework?  The most recent draft of the  
               update to the history-social science framework, approved by  
               the IQC at its meeting on May 19-20, 2016, includes  
               references to economics in every grade, except  
               kindergarten.  This bill requires the IQC to consider  
               including age-appropriate information on financial literacy  
               and prescribes a lengthy list of specific topics to be  
               covered.  Some, but not all, of the topics prescribed by  








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               this bill are already included in the draft history-social  
               science framework.

          3)   Open process to develop frameworks.  The IQC is responsible  
               for advising the State Board of Education (SBE) on matters  
               related to curriculum and instruction.  The IQC has  
               numerous subject matter committees, including the  
               History-Social Science Subject Matter Committee.  The  
               process to revise the history-social science framework:

                           Began in March 2008 with the recruitment of  
                    participants on the Curriculum Framework and  
                    Evaluation Criteria Committee.

                           Four focus groups were held across the state  
                    from May-June 2008.

                           The review committee was selected in September  
                    2008, and met approximately every four weeks between  
                    February-June 2009 to develop the framework.

                           The process was suspended in July 2009 due to  
                    budget reductions.

                           The process resumed in September 2014, at  
                    which time the Instructional Quality Commission (IQC)  
                    approved the draft framework for field review.

                           The draft was released for a 60-day public  
                    review and comment period.

                           The History-Social Science Subject Matter  
                    Committee met in May 2015 to review the draft.

                           The IQC analyzed the field review results and  
                    revised the draft framework.

                           The History-Social Science Subject Matter  
                    Committee met again in October 2015.

                           The IQC held a public two-day hearing in  
                    November 2015, and recommended approval of the draft  
                    framework.









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                           The draft framework was released for the  
                    second 60-day public comment period.

                           The IQC considered and approved the draft  
                    framework in May 2016, and will present it to the  
                    State Board of Education (SBE) for adoption as early  
                    as July 2016.

               The recently-revised framework for history-social science  
               went through a lengthy public process, and generated over  
               1,000 public comments, including several letters sent by  
               legislators.  The IQC completed this process less than one  
               month ago.  Should the legislature prescribe content that  
               may have already been considered, or prescribe action that  
               may not occur for another eight years (see comment # 5)?

          1)   Storied history of the history-social science framework.   
               The most recent history-social science framework was  
               developed in 2005.  This framework was undergoing revisions  
               when that process was suspended in July 2009, due to budget  
               reductions, and subsequently resumed in July 2014.  The  
               draft revision was released for field review in September  
               2014, and generated extensive public comment (nearly 700  
               comments).  The IQC determined that more subject matter  
               expertise was needed for certain areas (including some  
               mandated for inclusion by legislation), and received a  
               budget augmentation of $124,000 to hire experts through an  
               interagency agreement.  The draft framework was released  
               for the second field review in November 2015.  The  
               Instructional Quality Commission (IQC) voted at its meeting  
               on May 19-20, 2016, to approve the draft framework for  
               presentation to the State Board of Education (SBE), which  
               could consider adoption of the updated framework as early  
               as July 2016. 

          2)   Not effective until 2024?  The current revision of the  
               history-social science framework is complete and near  
               adoption by the SBE.  This bill relates to the next  
               revision of this framework after January 1, 2017.  Existing  
               law references an eight-year cycle for revisions to  
               frameworks and the adoption of instructional materials  
               (although a true schedule no longer exists).  It is likely  
               that the next revision of the history-social science  
               framework will not occur for another eight years.  This  








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               Committee may wish to consider whether it is appropriate to  
               pass legislation that may not be implemented until 2024.

          3)   Fiscal impact.  According to the Assembly Appropriations  
               Committee analysis, this bill would have "no current fiscal  
               effect to the California Department of Education (CDE).  As  
               written, the bill would not require additional  
               consideration until the next framework, which is not likely  
               to occur until 2024.  It is difficult to project costs that  
               may occur eight years from now."

          4)   Related legislation specific to the history-social science  
               framework.  AB 2864 (Chau) requires the IQC, when revising  
               the history-social science framework after January 1, 2017,  
               to consider including instruction on the Chinese Exclusion  
               Act of 1882 and the contributions of Chinese Americans to  
               the establishment of the transcontinental railroad.  AB  
               2864 was heard by this Committee on June 8, and passed on a  
               vote of 5-0.

          5)   Prior legislation specific to the history-social science  
               framework.  AB 391 (Wieckowski, 2013) required the history  
               social science framework, when updated, to include  
               financial literacy, and required the one-semester  
               instructional program entitled consumer economics already  
               developed by the Superintendent of Public Instruction and  
               adopted by the State Board of Education to be updated to  
               include instruction in specified areas of financial  
               literacy.  AB 391 was held in the Assembly Appropriations  
               Committee.

          AB 659 (Nazarian, 2014) encouraged the California Department of  
               Education to include the Armenian Genocide in its published  
               curriculum resources, encouraged the incorporation oral  
               testimony when teaching specific instances of genocide into  
               existing curriculum, and encouraged including the Armenian  
               Genocide into state and local professional development  
               activities and in the next revision of the history/social  
               science curriculum framework.  AB 659 was referred to but  
               never heard by this Committee.

          AB 1616 (Buchanan, 2014) required the IQC, when revising the  
               history-social science framework, to receive input from  
               civics education experts for the purpose of integrating  








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               civics learning content, concepts, and skills, at all  
               appropriate grade levels.  AB 1616 was never heard.

               SB 521 (Wyland, 2013) required the history-social science  
               framework to include the comparative differences between  
               the rights of the citizens in America and those in other  
               countries, and the connection of civics and American  
               government to western civilizations. SB 521 was never  
               heard. 

            SUPPORT
          
          California Credit Union League
          California JumpStart Coalition 
          California Society of CPAs
          California State Controller Betty Yee
          California Teachers Association

            OPPOSITION
           
           None received.

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