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AIAN/NHPI into Finance (P&C): Protect AIAN/NHPI homes and assets by developing careers in AIAN/NHPI-specific Property & Casualty insurance

Award Number: 90NEG0031
ORGANIZATION: ADMINISTRATION FOR NATIVE AMERICANS
OPDIV: ACF
AWARD CLASS: DISCRETIONARY
AWARD ACTIVITY TYPE: SOCIAL SERVICES
PERIOD OF PERFORMANCE START DATE: 09/30/2026
PERIOD OF PERFORMANCE END DATE: 09/29/2029

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AIAN/NHPI into Finance (P&C): Protect AIAN/NHPI homes and assets by developing careers in AIAN/NHPI-specific Property & Casualty insurance - Across San Diego County, residential trust-land uninsurance reaches 80% to 90% because standard carriers decline sovereign property risks, leaving Native families vulnerable to catastrophic wildfires. Simultaneously, 22.7% of Pacific Islander households navigate high-density cohabitation (averaging 4.6 people per home) that regular home insurance fail to protect. Compounding this, AIAN/NHPI youth face disconnection rates to education and workforce approaching 20%—nearly double the national average—driven by geographic isolation, predatory trade schools, and informal networking barriers that leave them representing just 0.2% of California’s licensed insurance workforce. NFDC addresses these disparities through a sequential, non-degree workforce and asset-protection pipeline: Pathway 1 (Capacity & Outreach): Leveraging California’s AB 2927 personal finance graduation mandate, NFDC trains 105 secondary educators through the Collaborative Educator Network to deliver our accredited, trauma-responsive Tribal Personal Finance (TPF+7G™) curriculum, reaching 1,200 high school students and 300 young adults. Pathway 2 (Licensure Training): From this pool, NFDC screens 20 candidates for a 52-hour pre-licensing curriculum aligned with 10 CCR §§ 2187–2187.7, covering reservation underwriting and tribal tax codes, achieving a 75% pass rate (15 Licensure Fellows). Pathway 3 (Incubation & Paid Residency): To eliminate the industry's 90% independent-agent attrition rate, all 15 fellows complete a 6-month social enterprise incubator with RevHubOC and transition into paid NFDC residencies. By providing full operational overhead (including E&O insurance) and replacing transactional quotas with consensus-driven, team-based community consultations, fellows achieve sustainable median earnings of $75,000+ within five years. This initiative operationalizes the three statutory pillars of CFDA 93.612: Human Capital Development: Transforms high-risk, disconnected youth into licensed, highly compensated financial professionals without college debt. Economic Development: Retains local capital by redirecting insurance premiums and business revenue back into tribal and Pacific Islander communities. Governance & Self-Determination: Bypasses extractive external financial institutions, equipping sovereign communities with culturally grounded, community-owned risk-management infrastructure that protects multigenerational tribal assets in perpetuity.


Issue Date FY	Funding FY	Legal Entity Name	Legal Entity Address	Legal Entity City	Legal Entity State	Legal Entity Zip Code	Legal Entity COUNTY	Legal Entity COUNTRY	Assistance Listing	Award Code	Budget Year	Action Date	Action Type	Action Amount

Issue Date FY: 2026 ( Subtotal = $900,000 )
2026	2026	NATIVE FINANCE DEVELOPMENT CORP	3530 CAMINO DE LAS LOMAS	VISTA	CA	92084	SAN DIEGO	USA	Native American Programs	00	1	9/25/2026	NEW	$900,000
														Subtotal = $900,000

Grand Total All Awards = $900,000

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AIAN/NHPI into Finance (P&C): Protect AIAN/NHPI homes and assets by developing careers in AIAN/NHPI-specific Property & Casualty insurance

Award Number: 90NEG0031

ORGANIZATION: ADMINISTRATION FOR NATIVE AMERICANS

OPDIV: ACF

AWARD CLASS: DISCRETIONARY

AWARD ACTIVITY TYPE: SOCIAL SERVICES

PERIOD OF PERFORMANCE START DATE: 09/30/2026

PERIOD OF PERFORMANCE END DATE: 09/29/2029

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