After 20 years of supporting her family by training and racing horses, Pat Smith was stricken with spinal meningitis. She lay in a coma for ten days, and when she was well enough to go home, she found that her business had been liquidated by her husband. They divorced and Pat started working to rebuild her life.

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Individual Development Accounts
Individual Development Accounts (IDAs) are matched savings accounts that enable low-income American families to save, build assets and enter the financial mainstream.

Manufactured Housing Initiatives
CFED’s manufactured housing initiatives, IM HOME and ROC USA, expands opportunity for owners of manufactured homes and ensure they receive the same treatment and benefits as owners of any other type of home.

Saving for Education, Entrepreneurship and Downpayment Initiative (SEED)
SEED is a multi-year national initiative to develop, test and impel matched savings accounts and financial education for children and youth.