Note: Numbers in parenthesis after the type of assistance indicate the number of programs listed in the Catalog having that type. Also, a program may have more than one type of assistance associated with it.
Government Grants - Catalog of Federal Domestic Assistance (CFDA)
CFDA currently tracks over $10 million federal dollars obligated to domestic assistance programs. The following chart displays projected and actual Recovery and non-Recovery federal dollars obligated.
Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
You do not need an account to search the catalog and view Federal assistance programs.
Where can I get help about CFDA? For questions about CFDA, you can contact the Federal Service Desk by clicking on the For Help: Federal Service Desk link on the bottom left of every page or by visiting the Federal Service Desk at (https://www.fsd.gov). Users may call the Federal Service Desk by dialing 1-866-606-8220 (national) or 1-334-206-7828 (international) from 8:00 a.m. to 8:00 p.m.
Do I need to register for an Agency User account to use the system? No. CFDA Agency User accounts are only for Federal government staff managing the CFDA program data. You do not need an account to search the CFDA catalog or to view Federal assistance programs. This information is freely available to any interested party. You can search by keyword, by agency, by program number as well as fine tune your search requests using the advanced search feature.
Why was my account request rejected? CFDA system accounts are only for Federal government staff managing the CFDA program data. If your account request was rejected, that means that the Agency Coordinator was unable to confirm your status as a government staff member. If you feel this decision is in error, let us know via the email@example.com e-mail address.
Is there a User Manual? The public user manual is available on the homepage (www.cfda.gov) in PDF format. There is also a link to it at the bottom of every page.
Is there a way to electronically download program data? The CFDA established a public FTP site in order to promote sharing of program data, as well as to provide a means for related government systems to download data reliably and efficiently. The FTP site URL is ftp://ftp.cfda.gov and provides users with the ability to anonymously download program data in csv format. There are two available file options:
Daily File: This file is updated nightly and will contain the following limited program data fields: Program Number, Program Title, and Agency. The file name will adhere to the following naming convention: "programsYYDDD" with the 2-digit year and 3-digit Julian day, e.g., programs09159.csv
Weekly File: This file is updated weekly (Sunday night) and will contain ALL program data fields publicly available. The file name will adhere to the following naming convention: "programs-fullYYDDD" with the 2-digit year and 3-digit Julian day, e.g., programs-full09164.csv
How can I tell if a CFDA program contains Recovery Act funding? All CFDA programs that are funded in whole or in part by the American Recovery and Reinvestment Act of 2009 (the Recovery Act) have a "RECOVERY" icon embedded in their header information. This icon is visible in the [Search Recovery Programs] results and when you view the program description for a Recovery Act-funded program.
The Catalog of Federal Domestic Assistance is a government-wide compendium of Federal programs, projects, services, and activities that provide assistance or benefits to the American public. It contains financial and nonfinancial assistance programs administered by departments and establishments of the Federal government.
In 1984, Public Law 98-169 authorized the transfer of responsibilities of the Federal Program Information Act from the Office of Management and Budget to the General Services Administration (GSA). The transfer took place in July 1984. These responsibilities include the dissemination of Federal domestic assistance program information through the Catalog of Federal Domestic Assistance, pursuant to the Federal Program Information Act, Public Law 95-220, as amended by Public Law 98-169. GSA now maintains the Federal assistance information database from which program information is obtained. The Office of Management and Budget serves as an intermediary agent between the Federal agencies and GSA, thus providing oversight to the necessary collection of Federal domestic assistance program data.
As the basic reference source of Federal programs, the primary purpose of the Catalog is to assist users in identifying programs that meet specific objectives of the potential applicant, and to obtain general information on Federal assistance programs. In addition, the intent of the Catalog is to improve coordination and communication between the Federal government and State and local governments.
Programs selected for inclusion in the Federal assistance data base are defined as any function of a Federal agency that provides assistance or benefits for a State or States, territorial possession, county, city, other political subdivision, grouping, or instrumentality thereof; any domestic profit or nonprofit corporation, institution, or individual, other than an agency of the Federal government.
A "Federal domestic assistance program" may in practice be called a program, an activity, a service, a project, a process, or some other name, regardless of whether it is identified as a separate program by statute or regulation. It will be identified in terms of its legal authority, administering office, funding, purpose, benefits, and beneficiaries.
"Assistance" or "benefits" refers to the transfer of money, property, services, or anything of value, the principal purpose of which is to accomplish a public purpose of support or stimulation authorized by Federal statute. Assistance includes, but is not limited to grants, loans, loan guarantees, scholarships, mortgage loans, insurance, and other types of financial assistance, including cooperative agreements; property, technical assistance, counseling, statistical, and other expert information; and service activities of regulatory agencies. It does not include the provision of conventional public information services.
For years, GSA has published a printed version of the Catalog of Federal Domestic Assistance (CFDA or Catalog), as required by legislation dating to 1977 and 1983. That same legislation allowed GSA to distribute free copies of the printed Catalog to designated recipients. In fiscal year 2003, nearly 10,000 paper copies of the Catalog were distributed at no cost to the recipients.
Current legislation, however, authorizes GSA to determine in what form to prepare and publish the Catalog. Consistent with the Administration's Electronic-Government initiatives, the Government Paperwork Elimination Act, and a move to a paper free environment, GSA will now disseminate the Catalog electronically through the CFDA website on the Internet. As a result, effective immediately, GSA will no longer print and distribute free copies of the Catalog.
The Internet and GSA’s free CFDA website at http://www.cfda.gov will be the primary means of disseminating the Catalog. The CFDA website will also contain a PDF file version of the Catalog that, when printed by any user, will have the same layout as the printed document that the Government Printing Office (GPO) has provided.
GPO will continue printing and selling the CFDA to interested buyers. For information about purchasing the Catalog of Federal Domestic Assistance from GPO, call the Superintendent of Documents at 202-512-1800 or toll free at 866-512-1800, or you may reach GPO's on-line bookstore at
for grants for unemployed people. Review all government
Christmas Loans: Because Christmas is a special time, presents and celebrations can be costly and you may not have enough money. Christmas loans can help solve money problems. There may be offers with reduced rates, flexible repayments, or grace periods. These loans are usually personal, unsecured loans and can be used for anything - money for a down payment on a used auto, presents, or paying bills. What you get can depend on your credit and how much you can repay. Many times, even bankruptcy is not a problem for getting approved.
Special loan offers may be one right solution for obtaining Christmas money. There are many lenders who do not have the hard-to-meet-requirements for approval. Find an ideal Christmas loan solution, regardless of credit. Interest rates can be tiered according to the lender's risk. Get a couple of loan
quotes; after all banks and credit unions must compete for your business to
offer an interest rate lower than competitors..
around financial problems, to be able to save money can be an overwhelming
process that could take months or years. Finding the motivation, can be as easy
as reading success stories on the Internet or listening to people around you.
People from all walks of life can have debt problems that need to be solved, it
is not just those who may live on limited incomes.
times there are medical problems that cause the family finances to be depleted
beyond repair, a disability, the loss of a job, or other circumstances. Things
that happen can cause life to look pretty dire. When money management skills are
lacking, it can only get worse, and this in turn can cause couples to fight
about the finances. It can also have a negative impact on all areas of life.
Financial problems that are faced soon, can lead to positive changes. It does
not matter who is to blame, unless you want to be on a road to nowhere,
something has to change for the better.
some people, loosing money due to a business that failed, can cause huge amounts
of debt. One big problem can result from trying to keep a company running, by
charging on credit cards, only later to find the battle was lost. Trying to meet
a company budget may go on for months, until someone finally decides it is not
paying off, and the doors are closed. But that does not wipe out all the debt
that may be owed.
are many people who only live paycheck to paycheck every week. When there is a
layoff at work, debts can get behind quickly. It becomes worse when late fees
are added and bill collectors are constantly calling, thus leading to more
stress. Many people keep hoping things will change, and they do not act, and
being in debt deepens.
are other people who end up in debt because they spend money wastefully and live
like they are rich. It eventually catches up with them. They may be the type who
must eat out all the time, buy things they desire but do not need, purchase
clothes and shoes that continues to clutter closets, and try to impress their
peers only to become deep in debt. Usually this includes purchasing a huge house
that they can not afford, nor the utility bills to go with it. There is never
enough money for the family expenses.
accounts can help when the family finances needs extra money, yet many Americans
do not save for emergencies. They shuffle bills when something happens and that
cuts into the paycheck with added late charges. Eventually, credit scores may be
damaged to the point, that getting approved for money to dig out is almost
debts are piling up, the important thing is to turn things around as soon as
possible and not months down the line. There must be some type of action, like
learning to live way beneath one's means just to be able to catch up on bills
that are due each month. Some people may not have the skills to get back on
track. Enlisting the help of professionals to try to get debt relief can be a
good step forward.
get out of debt, some people may choose to get a second job or work over forty
hours a week to get more money for debts. This can be one of the best moves to
get extra money. Another option is to sell stuff at garage sales, in the
newspaper, or at online auctions. It could be surprising how much money you may
be able to earn toward bills.
those who owe a few thousand in debt, they may have luck by using a self made
plan, but when debts total more than $10,000, a debt
counselor may be helpful. When debts are in the hundreds of thousands, a
lawyer who knows about debt settlement or bankruptcy issues may need to be
consulted. Whatever the debts are, there are several tried and true methods to
get debt relief. There are still some basic concepts to getting finances under
control, for those who do not know how, find debt help fast.
Finding Lenders and Credit Card Companies to give You Loans and Lines of Credit:
Shopping for credit can result in serious dings to your credit score each time a hard credit report is pulled. So what do you apply for loans and cards when you already have a marginal or low credit score?
Instead of applying blinding and madly for multiple credit card offers, auto or personal loans, consider using a free matching service. Many lenders and issuers engage in these matching services, as they would rather receive qualifying applicants.
How it works: Loan providers and card issuers provide minimum credit requirements, which matching services use to pre-screen and thus pre-approve customers for certain loans and credit cards. Of course, they accomplish this through a "soft-pull" by asking the applicant a series of questions. Based upon each applicant's answers, a professional matching service can whittle down to lenders and issuers more right for your particular credit history.
Not only does this method limit unnecessary hard credit pulls, it can also be a huge time saver, as well as help to protect your identity by limiting the amount of creditors you submit your personal information to.
Money for Christmas
It's not uncommon for consumers to be short of money to buy Christmas presents. Besides the traditional financial resources, there are other avenues to get help. Free Christmas Money and Loan Options for Gifts
Christmas Loan Money
Need money to buy Christmas presents? Here are ways to get free Christmas gifts for kids, as well as options for a line of credit or for a cash loan.
Before we discuss a line of credit or a cash loan to buy Christmas presents or for other emergency needs, let's look at alternatives for parents with small children:
The resources below offer free Christmas presents for children of needy families:
Family, Friends and Neighbors
In regards to military bases, most have a Toys for Tots type campaign. Contact your nearest military installation for information.
Don't let your pride get the better of you. If you have small children, swallow your pride and put your children first. Ask for help, even from friends, family and neighbors.
If you would rather obtain a line of credit or a loan, but have bad credit, here are some options to consider, starting with our highest recommendation:
Refinance an Auto - If you have an auto that is paid off, you have a good chance of getting approved for a loan by using your auto as collateral. We recommend a traditional loan, versus an "Auto Title Loan", because a traditional loan generally offers the best interest rate.
Refinance an Auto Loan - this is another good alternative, because in addition to an equity cash loan, you may also be able to lower your current loan's interest rate and/or monthly payment.
Get a quick loan for Christmas - an unsecured personal loan for bad credit may have a higher interest rate, but offers easy approval with no credit check.
Get a Guaranteed Approval Card - Shopping Cards offer you a line of credit, but limits where you may use the card. Typically, it offers online or catalog orders for merchandise from a select group of vendors.
If you decide to obtain a line of credit or a loan, use the links on the right side of this page to select and apply online.
Online Checking and Savings Accounts
Captial One 360 Savings: The basic savings account is probably the main attraction at Capital One 360. It's an account that pays a decent return with no minimums and no monthly fees. Rates change constantly, so you should check their website for up-to-the-minute rates, but you can expect to earn more than you'll earn at any big bank.
To fund the account, you'll need to link it to an existing checking account at your brick and mortar bank. When you open the account, you'll submit a check for initial funding, and Capital One will pull your banking information off of that check (your bank information is located at the bottom of your check). Once the link is established, you can transfer money back and forth between Capital One 360 and your brick-and-mortar bank electronically. However, be aware that you can only make 6 withdrawals per month from the account (the same is true for other savings accounts) – if you want to withdraw more often, consider using a checking account.
Capital One 360 Checking
* Ability to write checks (checks must be ordered from Capital One)
* Free ATM/debit card provided
* Free online bill pay
* Remote check deposit using a mobile device or scanner
* An overdraft line of credit (which you should try to avoid using, but is less expensive than other forms of overdraft protection)
* Free Person2Person Payments so you can pay friends and other individuals
Savings Accounts for Children - Capital One 360 also offers a savings account for children called the Kids Savings Account. With no fees or minimums, that account allows you and a child to save money in that child's name. You (the adult) don't have to be a parent – you can manage an account for any child. The child will have unique login credentials, so they can see their own account, but not your accounts. Adults have control over deposits and withdrawals until the child turns 18 and the account is converted to a standard 360 Savings Account. The Kids Savings Account is a great way to teach children about money from a young age.
HSBC Online Savings Account is like a lot of other online savings accounts. The main attraction is the APY (Annual Percentage Yield). You can typically earn more than brick-and-mortar banks. Furthermore, there are no fees for the service or minimum balance requirements. You can literally open an account with $1.
With HSBC, you keep your existing checking account and link it to your HSBC OnlineSavings account. To move money back and forth, you login to your HSBC account and request a transfer (transfers are free on the HSBC side, however you should check with your bank to make sure they won't assess a charge).
The HSBC OnlineSavings Account gets you a decent rate, and they also send you an ATM card. This makes it easy to get cash fast, and you can keep your daily spending money in the account – not in a lower yielding checking account.
If you want to write checks with HSBC, you can link the account to a more traditional HSBC account. This will make transfers to your checking account faster than moving the money to a different institution. Even better use an HSBC checking account and zap the money back and forth quickly.
There may be fees for checking accounts, however HSBC will consider all of your balances (Mortgage, Credit Card, etc) together when they calculate how much you have with them. This makes it easy to have an interest-earning checking account with no monthly fees.
Opening an account is really fast and easy. You just fill in all your personal information and wait for HSBC to make some test deposits to your linked account. The process moves fast, and your initial deposit can end up earning the HSBC OnlineSavings Account interest rate within a week.
I've found that the customer service at HSBC is pretty good. Of course this is unscientific and your results may vary. So far, I haven't encountered any long hold-times and the representatives have been knowledgeable and helpful.
Your HSBC OnlineSavings Account Review
Have you used the HSBC OnlineSavings Account? Well, what do you think about it? Share your experiences at the bank review page.
Ally Bank offers savings, CDs, and checking products with competitive rates. Read and submit Ally Bank reviews on this page.
The main attraction at Ally Bank is the APY they pay on deposit products:
* Checking accounts
* Savings accounts
* Money market accounts
* Certificates of Deposit (CD)
Ally Bank will check your credit, even though you may not intend to borrow. They want to verify your identity and try to predict if you'll use your overdraft provisions responsibly.
Ally Bank offers an interest checking account that allows you to earn money while keeping it liquid. The interest checking account does not have a limit on withdrawals from the account (but other accounts do).
Free checks from Ally Bank, and you can reorder basic checks at no cost. There is no minimum deposit, and no monthly fee. Online bill pay is free, and you'll get a debit card for ATM withdrawals and purchases.