Apr 15, 2016

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Legislative Update: April 15, 2016

by | Apr 15, 2016

Bill to Watch: SB 185
No matter how you slice it, a bad idea is simply a bad idea.

Last year, legislators (some say unwittingly) approved HB 1390 in the final, frantic days of the legislative session. Supported by lobbyists from the financial industry, the bill purported to help low- to mid-income Coloradans with poor credit ratings by offering credit options that would ease their financial pressures. In fact, the legislation benefitted financial institutions more than consumers. Amid encouragement from CCLP and its partners after the session, Gov. John Hickenlooper ultimately vetoed HB 1390.

Fast forwarding one year later, lawmakers introduced Senate Bill 185, similar legislation with disastrous implications for Colorado consumers and hard-working families.

In a session that’s supposed to be about protecting the middle class, SB 185 would do exactly the opposite by raising the interest rates on what are called “supervised consumer loans” – leading to more unaffordable credit products that will hurt Coloradans who are already in dire financial straits.

Once again, CCLP will join its partners, notably The Bell Policy Center, in strongly opposing this harmful legislation that puts the interests of the financial industry before the public good.

On the radar
HB 1371 would let Coloradans directly deposit portions of their state income tax refunds into multiple accounts, helping families build wealth. CCLP supports the legislation, which was approved by the House Finance Committee earlier this week and will be considered by the House Appropriations Committee.

‘Ban the box’ bill moves forward
You probably heard that HB 1388 cleared its first hurdle in the House Judiciary Committee. Developed by CCLP and sponsored by Rep. Beth McCann, D-Denver, the bill prohibits private-sector employers from inquiring about criminal history in preliminary application forms. News coverage of this important bill appeared in CBS4, the Denver Business Journal and The Denver Post.

Next, HB 1388 goes to the House Appropriations Committee and will hopefully build more support on the way to the House and Senate floors.

Mark Your Calendar
Join CCLP’s staff and Sen. Pat Steadman for coffee, food, networking and analysis during our annual Legislative Wrap-Up Breakfast.

Our special guest, Sen. Steadman, will share his wisdom as a departing legislator and as a member of the Joint Budget Committee. We’ll also reflect upon the 2016 legislative session and look ahead at Colorado’s long-term challenges in health care and family economic security.

Space is limited, so please RSVP soon.

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To maintain health and well-being, people of all ages need access to quality health care that improves outcomes and reduces costs for the community. Health First Colorado, the state's Medicaid program, is public health insurance for low-income Coloradans who qualify. The program is funded jointly by a federal-state partnership and is administered by the Colorado Department of Health Care Policy & Financing.

Benefits of the program include behavioral health, dental services, emergency care, family planning services, hospitalization, laboratory services, maternity care, newborn care, outpatient care, prescription drugs, preventive and wellness services, primary care and rehabilitative services.

In tandem with the Affordable Care Act, Colorado expanded Medicaid eligibility in 2013 - providing hundreds of thousands of adults with incomes less than 133% FPL with health insurance for the first time increasing the health and economic well-being of these Coloradans. Most of the money for newly eligible Medicaid clients has been covered by the federal government, which will gradually decrease its contribution to 90% by 2020.

Other populations eligible for Medicaid include children, who qualify with income up to 142% FPL, pregnant women with household income under 195% FPL, and adults with dependent children with household income under 68% FPL.

Some analyses indicate that Colorado's investment in Medicaid will pay off in the long run by reducing spending on programs for the uninsured.


Hunger, though often invisible, affects everyone. It impacts people's physical, mental and emotional health and can be a culprit of obesity, depression, acute and chronic illnesses and other preventable medical conditions. Hunger also hinders education and productivity, not only stunting a child's overall well-being and academic achievement, but consuming an adult's ability to be a focused, industrious member of society. Even those who have never worried about having enough food experience the ripple effects of hunger, which seeps into our communities and erodes our state's economy.

Community resources like the Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, exist to ensure that families and individuals can purchase groceries, with the average benefit being about $1.40 per meal, per person.

Funding for SNAP comes from the USDA, but the administrative costs are split between local, state, and federal governments. Yet, the lack of investment in a strong, effective SNAP program impedes Colorado's progress in becoming the healthiest state in the nation and providing a better, brighter future for all. Indeed, Colorado ranks 44th in the nation for access to SNAP and lost out on more than $261 million in grocery sales due to a large access gap in SNAP enrollment.

See the Food Assistance (SNAP) Benefit Calculator to get an estimate of your eligibility for food benefits.


Every child deserves the nutritional resources needed to get a healthy start on life both inside and outside the mother's womb. In particular, good nutrition and health care is critical for establishing a strong foundation that could affect a child's future physical and mental health, academic achievement and economic productivity. Likewise, the inability to access good nutrition and health care endangers the very integrity of that foundation.

The Special Supplemental Nutrition Program for Women, Infants and Children (WIC) provides federal grants to states for supplemental foods, health care referrals, and nutrition information for low-income pregnant, breastfeeding and non-breastfeeding postpartum women and to infants and children up to age five who are found to be at nutritional risk.

Research has shown that WIC has played an important role in improving birth outcomes and containing health care costs, resulting in longer pregnancies, fewer infant deaths, a greater likelihood of receiving prenatal care, improved infant-feeding practices, and immunization rates

Financial Security:
Colorado Works

In building a foundation for self-sufficiency, some Colorado families need some extra tools to ensure they can weather challenging financial circumstances and obtain basic resources to help them and their communities reach their potential.

Colorado Works is Colorado's Temporary Assistance for Needy Families (TANF) program and provides public assistance to families in need. The Colorado Works program is designed to assist participants in becoming self-sufficient by strengthening the economic and social stability of families. The program provides monthly cash assistance and support services to eligible Colorado families.

The program is primarily funded by a federal block grant to the state. Counties also contribute about 20% of the cost.


Child care is a must for working families. Along with ensuring that parents can work or obtain job skills training to improve their families' economic security, studies show that quality child care improves children's academic performance, career development and health outcomes.

Yet despite these proven benefits, low-income families often struggle with the cost of child care. Colorado ranks among the top 10 most expensive states in the country for center-based child care. For families with an infant, full-time enrollment at a child care center cost an average of $15,140 a year-or about three-quarters of the total income of a family of three living at the Federal Poverty Level (FPL).

The Colorado Child Care Assistance Program (CCCAP) provides child care assistance to parents who are working, searching for employment or participating in training, and parents who are enrolled in the Colorado Works Program and need child care services to support their efforts toward self-sufficiency. Most of the money for CCCAP comes from the federal Child Care and Development Fund. Each county can set their own income eligibility limit as long as it is at or above 165% of the federal poverty level and does not exceed 85% of area median income.

Unfortunately, while the need is growing, only an estimated one-quarter of all eligible children in the state are served by CCCAP. Low reimbursement rates have also resulted in fewer providers willing to accept CCCAP subsidies.