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Community Development Financial Institutions (CDFI) Fund

Department of the Treasury seal

Department of the Treasury


The CDFI Fund works to expand economic opportunity for underserved people and communities by supporting the growth and capacity of a national network for community development lenders, investors, and financial service providers. By serving CDFIs, community development entities (CDEs), and non-profit affordable housing developers in all 50 states, the District of Columbia, Guam, and Puerto Rico, the CDFI Fund helps customers access Federal financial assistance, tax credit authority, and bond guarantees for community and economic development purposes. The CDFI Fund certifies CDFI and CDE organizations eligibility for certain federal assistance programs; provides lending capital, loan loss reserves, and funding for technical assistance; awards entities with the ability to provide tax credits to investors; and provides bond loans and guarantees for long-term projects.

Designated Services

Accessing capital and financial products to serve communities in need


Access to affordable financial products and services is a staple of economically vibrant communities, yet at least one quarter of American households do not have a bank account or rely on costly payday lenders and check-cashing outlets. Additionally, many small businesses and critical community development projects lack access to the capital investment necessary to spark economic growth in their communities. Through its grant, tax credit, and bond guarantee program, the CDFI Fund actively works to address these issues by investing federal resources—which are matched with private funding—into mission-driven financial institutions and community development organizations recognized for their expertise in providing service and support to low-income communities.

Action Plans