CFED Scorecard

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Issue Areas

The Assets & Opportunity Scorecard offers the most comprehensive look available at Americans’ financial security today and their opportunities to create a more prosperous future. The Scorecard explores how well residents are faring in the 50 states and the District of Columbia and assesses state policies that are helping residents build and protect assets across five issue areas: Financial Assets & Income, Businesses & Jobs, Housing & Homeownership, Health Care and Education. To view the measures by issue area, click on the issue below.

Financial Assets & Income

Are there widespread opportunities for wealth creation and protection, particularly for low-income residents?

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.

Businesses & Jobs

Is the opportunity to grow a business or get a job that pays a sufficient wage with benefits available to all those who choose to pursue it?

Business ownership and job quality 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.

Housing & Homeownership

Is the opportunity to purchase and maintain a home available to all those who choose to pursue it?

Homeownership has always been an essential ingredient in the American dream and is one of the most important means by which low-income and minority households can build wealth. For those that are not ready or able to buy a home, access to affordable, high-quality housing is essential. Whether owning or renting, having a safe, affordable place to live provides physical and financial security.

Health Care

Is there broad access to health insurance as protection against income interruption and asset depletion from medical bills?

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 illness.


Do residents have access to the education and training they need to get ahead?

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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