Scorecard Policies

The Scorecard assesses states on the strength of their policies to expand economic opportunity. The Scorecard includes a detailed assessment of 12 policy priorities, as well as information on 22 additional policies. Taken together, these 34 policies provide a comprehensive view of what states can do to help residents build and protect assets. They are organized into six Issue Areas: Financial Assets & Income, Business & Jobs, Housing & Homeownership, Health Care, Education and Community Investment & Accountability. This set of policies can provide a starting point for state coalitions and others to define their own state-specific policy agendas.

Unlike the outcome measures, the strength of a state’s policies is assessed based on fixed criteria arrived at through consultation with issue experts and CFED’s own knowledge of asset policies that are promising, proven or effective in helping families build and protect assets. States are given a rating, symbolized by a pie chart.


These policy ratings do not factor in the state outcome grades.

A chart that shows the assessment of each state and DC on each of the 12 policy priorities can be found here.

Listed below are the 34 policy measures, categorized by Issue Area.  The policy priorities are listed first, in bold, with the additional policies listed next.  Click on the links for detailed information and data for each measure.  Also listed are the Innovation Policies.  Click on those links to read the Policy Innovation brief.

Financial Assets & Income
Lifting Asset Limits in Public Benefit Programs
State IDA Program Support
State Earned Income Tax Credit
Payday Lending Protections
State Minimum Wage
Income Tax Threshold
Financial Education in Schools
Policy Innovation: Children's Development Accounts
Policy Innovation: Universal Voluntary Retirement Accounts
Policy Innovation: Curbing Predatory Car Title Lending

Businesses & Jobs
State Microenterprise Support
Workers’ Compensation Coverage
Unemployment Benefit Level
Unemployment Benefit Eligibility
Family Leave Benefits
Incentives for Employee Ownership
Policy Innovation: New Entrepreneur Tax Credit
Policy Innovation: Shared Equity Business Ownership

Housing & Homeownership
Predatory Mortgage Lending Protections
Housing Trust Fund
First-Time Homebuyer Assistance
Preservation of Affordable Rental Housing
Property Tax Relief
Foreclosure Protections
Resident Ownership of Manufactured Housing Communities
Policy Innovation: Manufactured Housing
Policy Innovation: Shared Equity Homeownership

Health Care
Access to Health Insurance
Insuring High-Risk Individuals
COBRA Coverage of Small-Business Employees

Early Childhood Education
Access to Quality K-12 Education
College Savings Incentives
Postsecondary Education Financial Aid
State-Funded Head Start
WIA-Funded Workforce Training
TANF-Funded Workforce Training

CFED’s Overall Policy Agenda
For 30 years CFED has helped test and develop effective enterprise development, asset-building and economic development strategies by working from the ground up.  Through this process, CFED developed key policy priorities and principles that open new paths to success in the mainstream economy for individual communities in the margins. Click here for CFED’s overall federal and state policy agenda.