Policy Agenda
CFED’s policy agenda focuses on work at the federal, state and local levels and spans the five issue areas below.
Asset ownership and financial security are interconnected. Owning assets means having greater economic stability and mobility; assets enable millions of Americans to plan for the future, buy a home, prepare for retirement, send their children to college, and weather unexpected financial storms.
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Business ownership and high-quality wage employment play an important role in helping families earn income and build wealth over time. Earned income is the single most important contributing factor to a household’s ability to save money, access affordable credit and build assets, while business equity is second only to homeownership nationally as a share of household wealth.
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The family home is the chief asset of many American households, providing them with the bulk of their net worth. Homeownership provides the family with both physical and financial security. Affordable rental housing enables families to meet other needs and save for short term expenses as well as college, retirement and a future downpayment.
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Education is an asset that benefits not only the educated individual, but also his or her family and community. Skills and knowledge are central determinants of earning capacity, but also are important drivers of the economy. Education also promotes civic responsibility, advances economic competitiveness and expands economic opportunity.
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Access to health care provides families with a safety net that complements their asset ownership and protects against the financial burdens of a major medical emergency or treatment of a chronic ilness. Yet, 45 million Americans do not have health insurance. While federal solutions are being debated, states will continue to have a role in widening access to those who have trouble finding coverage.
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