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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This guide is designed to be an informational tool kit for anyone interested in developing state policy around CSAs.  Our hope is that this guide will serve as an aid to people who want to propose, or further develop, state CSA legislative initiatives; remove barriers to saving, such as asset and income limits; encourage state agencies or entities to develop and fund CSA programs; or just learn more about the process of CSA policy development. 

Findings from the SEED Initiative and experience to date in states across the U.S, suggest two main strategies at the state-level for supporting children’s savings accounts:  (1) removing barriers to saving in CSAs, and (2) taking action to establish and fund CSAs.  In discussing each of these strategies, this guide will present and analyze several tactics for accomplishing each strategy.

Read more about the State Policy Resource Center for Children's Savings Accounts.