Policy

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Publicly-supported Children’s Savings Account (CSA) programs have launched in states and communities ranging from St. Louis to San Francisco and Nevada to Rhode Island. Here you’ll find policy briefs and recommendations from a range of organizations on how to implement CSA programs at the local, state and federal levels, along with advocacy tools and sample legislation.


Policy Briefs

Child Accounts: The Appropriate Role for the Private Sector

Child Accounts: The Appropriate Role for the Private Sector

Issue brief on the value of CSAs, with a focus on a potential retail model. (The Aspen Institute)

Child Trust Funds: Renewing the Debate for Long-Term Savings Policies

Child Trust Funds: Renewing the Debate for Long-Term Savings Policies

Issue brief on the value of CSAs, with a focus on the UK's Child Trust Fund program. (The Aspen Institute)

Saving for College: A Policy Primer

Saving for College: A Policy Primer

A summary of key policy considerations and challenges, along with specific strategies, to make 529 college savings plans more accessible to families of all income levels. (Center for Social Development, Washington University in St. Louis)

Examining the Canadian Education Savings Program and its Implications for U.S. Child Savings Account (CSA) Policy

Examining the Canadian Education Savings Program and its Implications for U.S. Child Savings Account (CSA) Policy

A discussion of Canada's children's savings program and an analysis of the implications for CSA policy in the United States. (Center on Assets, Education and Inclusion, University of Kansas)

A Regional Approach to Children’s Savings Account Development: The Case of New England

A Regional Approach to Children’s Savings Account Development: The Case of New England

A brief on the development of CSA policy in six New England states as part of a regional strategy facilitated by the New England CSA Consortium. (Center on Assets, Education and Inclusion, University of Kansas)

Dreams Deferred: College Costs, College Savings and Student Debt (Fact File)

Dreams Deferred: College Costs, College Savings and Student Debt (Fact File)

A fact file that makes the case for the connection between college savings, college aspirations and college success. (CFED)

Saving Up, Moving Up?  Children, Savings and Opportunity (Fact File)

Saving Up, Moving Up? Children, Savings and Opportunity (Fact File)

A fact file that makes the case for the relationship between saving and school performance and social mobility. (CFED)

Scholarly Research on Children's Savings Accounts (Fact File)

Scholarly Research on Children's Savings Accounts (Fact File)

A summary of the most compelling research findings illustrating the impact of CSAs in an brief fact file for policymakers. (Prosperity Now)

Children's Savings Accounts:  Research, Practice and Implications for Policy Design

Children's Savings Accounts: Research, Practice and Implications for Policy Design

A review of the research foundations for CSAs, which describes the proliferation of recent policy efforts and considers key policy design questions relevant for federal policy. (New America)


Advocacy Tools

Toward More Inclusive College Savings Plans: Sample State Legislation

Toward More Inclusive College Savings Plans: Sample State Legislation

A policy guide including sample legislation and state policy strategies for children's savings programs informed by existing policies. (Center for Social Development, Washington University in St. Louis)

Assets & Opportunity Scorecard

Assets & Opportunity Scorecard

The Assets & Opportunity Scorecard is the leading source for data on household financial security and policy solutions, including information on states' education and college savings policies. (CFED)

Assets & Opportunity Local Data Center

Assets & Opportunity Local Data Center

The Local Data Center provides local-level household financial security data, including estimates of household wealth and financial access for thousands of cities and counties in the United States, which can be used to help demonstrate the need for CSAs in an area. (CFED)

Making the Case Tool

Making the Case Tool

This tool walks you through the process of crafting a powerful message to convince individuals or organizations to support your CSA program. (CFED)


Sample Legislation

Federal Legislation - USAccounts

Federal Legislation - USAccounts

Text of proposed 2015 USAccounts bill, introduced in Congress, which would create a national, universal, at-birth CSA program.

Vermont Legislation - Universal Children's Savings Program

Vermont Legislation - Universal Children's Savings Program

Text of the 2015 legislation creating the Vermont CSA program, a universal, at birth, statewide CSA program.

Washington Legislation - Universal Children's Savings Program

Washington Legislation - Universal Children's Savings Program

Text of proposed 2016 bill to create a universal, at birth, statewide CSA program in Washington state.

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