Office of Water
A  NEWSLETTER  FOR  THE  CLEAN  WATER  AND  DRINKING  WATER  SRF  PROGRAMS
                                            ANNOUNCING  THE  SRF  NEWSLETTER
                                            One Federal assistance program that has been identified as a success story for the
                                            Environmental Protection Agency is the State Revolving Fund program. In 1988, Congress
                                            introduced a new way of doing business by replacing the Construction Grants program with
                                            the Clean Water State Revolving Fund Program (CWSRF). The CWSRF program provides
                                            states with a continuing source of funding for wastewater treatment facilities and projects
                                            associated with estuary and nonpoint source programs. Although Congress authorized
                                            funding through 1994, appropriations have continued to the present. Federal funds, togeth-
                                            er with state contributions and funds from leveraging, have provided a total investment in
                                            the CWSRF that exceeds $28 billion. Repayments alone are providing in excess of $1 billion
                                            per year back into state CWSRF programs.
                                                Recognizing a need to address compliance issues  associated with public drinking
                                            water systems, Congress authorized a Drinking Water State Revolving Fund (DWSRF) pro-
                                            gram in 1996. This  new program provides states with  a continuing source of funding for
                                            public water system  infrastructure improvements needed to protect public health.  The pro-
                                            gram also provides each state with the flexibility to use a portion of its grant for important
                                            programs and activities related to drinking water source water protection and water system
                                            management.  The DWSRF was patterned, in  large part, on the successful CWSRF program.
                                                In an effort to foster a positive and effective working relationship with states, EPA initi-
                                            ated a State/EPA Work Group to address issues related  to implementation of both the Clean
                                            Water and Drinking  Water State Revolving Funds in 1998.  One of the things we have heard
                                            during the work group meetings is that there is a delay when it comes to getting informa-
                                            tion out - whether it  be about policies EPA is considering or innovative approaches states
                                            are taking with respect to their SRFs.
                                                The Association of State Drinking Water Administrators has helped by developing a
                                            newsletter that addresses the DWSRF program and the  annual Council of Infrastructure
                                            Financing Authorities (CIFA) National SRF Workshop has proven to be a valuable forum for
                                                                                                          CONTINUED ON PAGE 2

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                                               SRF's  Up
 NEWSLETTER from page 1

 sharing information about state activities. However, it is diffi-
 cult for both organizations to address each and every topic of
 interest to SRF program stakeholders. By developing a quar-
 terly newsletter, we hope to provide an additional source of
 up-to-date SRF information.  The newsletter will provide
 insights into new and creative SRF activities at the state level
 and will keep SRF program staff up-to-date on policies and
 initiatives undertaken by EPA.
     We hope to involve states and EPA Regions in the
 newsletter.  Recognizing that the experiences of staff working
 in SRF programs provide invaluable lessons for their peers,
 we hope to include articles written by drinking water, clean
 water, and finance program representatives in each issue. For
 example, in this issue we provide articles written by Maine on
 their DWSRF land acquisition loans and Minnesota on their
 program to provide CWSRF loans for agricultural best man-
 agement practices.
     In the future we hope that you will let us know what you
 would like to see in the newsletter. We are including a "fax
 back" form in each issue that can be used to share your
 thoughts with us on the newsletter. Your continued participa-
 tion will help ensure that the CWSRF and DWSRF programs
 flourish and continue into the future as an environmental and
 public health protection success story.
                                    ON  THE  NATIONAL  SCENE
 Connie Bosnia
 Branch Chief, DWSRF
Bill Kramer
Acting Branch Chief, CWSRF
H.  William Kramer, Jr.
Bill Kramer became acting Chief of the SRF Branch in May
1999 replacing Richard Kuhlman who became the Acting
Division Director of the Municipal Support Division. Since
joining EPA in 1980, Mr.  Kramer has served in a variety of
managerial positions including Chief of the Policy and
Analysis Branch where he had a leading role in developing
the State Revolving Fund Program.
CWSRF - NPS/Estuary Grant Proposal
Status and Implementation
In an effort to continue to add flexibility to the CWSRF pro-
gram, the Administration is requesting that states be given the
opportunity to use 20 percent of the FY 2000 Clean Water
State Revolving Fund capitalization as grants, instead of loans,
for nonpoint source and estuary projects. Twenty-seven states
are funding nonpoint source (NPS) and estuary management
projects with CWSRF loans. This proposal provides the
CWSRF programs with an additional option to mix grant and
loan funding for these projects.
     The President's CWSRF Budget Request for FY 2000 is
$800 million. Under the new proposal, as much as $157  mil-
lion of this amount could be made available from the CWSRFs
to provide grants for nonpoint source and estuary manage-
ment projects.  The provision of grant funds would be at the
discretion of the states.  The proposal limits a grant subsidy to
60 percent of a project's costs. The remaining 40 percent
must be provided by grant recipients using CWSRF loans or
other financing sources.  The funds used to make grants can
come from CWSRF loan repayments, interest earnings, bond
proceeds,  state match, or Federal capitalization grants. If a
State chooses to make grants with non-Federal funds (e.g.,
repayments), the cross-cutting Federal requirements applica-
ble to the CWSRF program would not apply.
     If a state chooses to make grants from the CWSRF it must
use an Integrated Project Priority System (IPPS) to select proj-
ects. Currently, 18 states are using or developing IPPSs.
Examples of eligible projects include agricultural best man-
agement practices to prevent and reduce runoff, animal waste
facilities, rehabilitation of streambanks, riparian corridors
and buffers, and wetlands protection.

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                                                SRF's Up

Status of Implementation in
the DWSRF program
    My, how time flies.  A little over two years ago, on
February 28, 1997, EPA released the final guidelines for the
DWSRF program. A week later, on March 6, 1997, Georgia
received the first grant under the program. Two years down
the road we find that implementation is moving forward, at an
impressive rate. All 50 states and Puerto Rico accomplished
the program's first important goal by receiving their FY97
grant awards by the September 30, 1998 deadline. As of mid-
May, 35 States have received awards for FY98 funds and 4
have received FY99 funds, bringing the total amount awarded
to $1.8 billion (of the $2.8 billion appropriated).
    Of the funds that have been awarded, states have
reserved $315 million to conduct eligible set-aside activities.
States reserved $111 million of this amount from FY97 grants
to conduct source water assessments of public water systems
as required by the Safe Drinking Water Act.
    A survey of states in the beginning of March indicated
that 37 states have made more than 470 loans to public water
systems for approximately $1.08 billion.  This amount
includes additional funds made available by states leveraging
capitalization grants. Continued success is anticipated as a
result of funding of $825 million in the President's proposed
FY2000 budget.
    Some states are finding the process of closing loans to be
more difficult than they might have anticipated a year ago. Many
of the systems applying for loans are small, and often require
a significant amount of assistance to bring them to the table
for a loan. However, despite  the challenges posed by small
systems, it is impressive to note that 297 out of 474 loans have
gone to systems that serve fewer than 10,000 persons.

Clean Water Action Plan - An SRF Perspective
Although great progress has been made in cleaning up our
Nation's waters, significant water quality problems persist.
States report that roughly 40 percent of their assessed waters
still do not meet water quality goals and 1,000 major water-
sheds still contain moderate to serious water quality problems.
Last year the Clean Water Action Plan (CWAP) was developed
with other Federal partners to renew the national commitment
to provide "fishable and swimmable" waters to all Americans.
    The results of the National Water Quality Inventory
Report (305b)  indicate that 60 percent of our water quality
problems are nonpoint-source based. To help target and pri-
oritize these problem areas, the CWAP called for states to
develop Unified Watershed Assessments (UWA) to identify the
watersheds  most in need of assistance.
    The CWAP  emphasized the importance of the CWSRF pro-
gram by including two high priority key actions that focus on:
(1) use of funds for polluted runoff projects (including NPS &
estuary projects), and (2)  use of integrated priority setting
systems by states to identify projects for funding.
    Since 1988, 97 percent of CWSRF funds have been devot-
ed to traditional municipal wastewater treatment projects.
While significant changes are necessary in order to address
the actions included in the CWAP, the groundwork for change
is in place. The portion of  CWSRF funds supporting nonpoint
source and  estuary protection has grown in recent years.
Over the past 3 years, CWSRF funding for nonpoint source
and estuary projects averaged 7 percent and 18 states are
using or are in  the process of developing integrated priority
setting systems.
    Today,  twenty-seven states are funding nonpoint source
projects. These figures are encouraging, yet there is room for
improvement. In working  to meet the goals of the CWAP,
states are encouraged to start at the local level with unified
watershed assessments, which can tie in directly to the states'
integrated priority setting systems.  By using available tools to
guide CWSRF funding decisions states can identify high priori-
ty projects in targeted watersheds.
    For more information on the CWAP program, including
the full plan and first anniversary report, visit the CWAP
website at http://www.cleanwater.gov.
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                                                SRF's Up
STATE
ACTI
V
Tl
ES
AN

TR
E
N
DS

Cross-Collateralization and Short-term
Cross Investment
Cross-Collateralization and Cross-Investment are two new
security enhancements states are using when leveraging their
Clean Water and Drinking Water State Revolving Funds. These
enhancements allow the resources of one SRF to be used to
secure the repayment of bonds of the other program.
     Cross-Collateralization, authorized under the 1999
Appropriations Act, allows states to combine the assets of the
CWSRF and DWSRF programs as security for bond issues "...
provided that revenues from the bonds are allocated ... in
the same portion as the funds are used as security for the
bonds..." Currently, New Jersey, Missouri, Colorado, Arizona
and Minnesota  are states with cross-collateralization struc-
tures in place.
     Cross-Investment, allowed under the "permitted invest-
ment provisions" of the Clean Water Act and the Safe Drinking
Water Act,  allows states to "invest" available funds from one
SRF to cure a default related deficiency in the  other.  The
investment is short-term and must be repaid after the borrow-
ing SRF recovers from the loan default. Currently, New York,
Michigan and Maine have cross-investment structures in place.
     Although these enhancements are used to secure either
SRF program, the primary beneficiary is the DWSRF program,
which benefits from the larger size, greater diversification and
strong credit quality of CWSRF borrowers.
     EPA has prepared separate State Activity Updates, avail-
able  from Regional offices, that provide additional details on
the structures that have been developed by Michigan, New
York, and New Jersey. The Updates are also available on the
CWSRF and DWSRF websites.

Extended Bond Purchase  Program
The Commonwealth of Massachusetts recently implemented
an extended bond purchase program that allows SRF funded
projects to be amortized over a thirty year period.  Under the
program, the Massachusetts CWSRF purchases bonds from
local communities, which use the proceeds for CWSRF eligible
projects.  This form of assistance is eligible under Section
603 (d) (2) of the Clean Water Act. EPA accepted the proposal
of the program because the Commonwealth pledged to take
the following important measures to protect the fund and pro-
vide assistance to borrowers:
1. The Commonwealth would provide capital investment into
  the CWSRF program that is above the 20 percent state
  matching funds required. The Commonwealth pledged to
  make additional deposits to provide a subsidy equal to 50
  percent of annual loan repayments.
2. The Commonwealth would modify its leveraging parameters
  to ensure that the purchasing power of the CWSRF would
  not be  diminished over the long-term due to the 30 year
  term allowed for the bond purchase program.  Specifically,
  the state reduced its debt service reserve fund level from 50
  percent to 40 percent of the bond issue.
    EPA has prepared a separate State Activity Update, avail-
able from Regional offices, that provides additional details on
the Massachusetts Extended Bond Purchase Program. The
Update is also available on the CWSRF website.

California SRF Closes Loan to The Nature
Conservancy for Wetland Preservation
Recently, the California State Water Resources Control Board
closed an $8 million low-interest loan to The Nature
Conservancy. The loan allowed The Nature Conservancy to
purchase a 19.3 square mile wetlands preserve in the
Sacramento area. The purchase of the preserve was made to
protect the wetlands from an increase in development in the
area.  The Conservancy's plan is to resell the land to a ranch-
ing company with permanent restrictions (conservation ease-
ments) that will protect rare natural vernal pools (springtime
wetlands) by limiting the allowable uses of the land.

Protecting Sources  of Drinking Water
In many cases, the most effective and least expensive method
to protect a source of drinking water from contamination is to

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                                                  SRF's  Up
properly manage the land surrounding the source.  Protecting
source water is particularly important for those systems that
do not filter surface water sources before providing water to
customers. A set-aside in the DWSRF program specifically
allows funds to be used to provide loans for land acquisition
and conservation easements needed to protect a drinking
water source.  Loans allowed under the nonpoint source pro-
visions in the CWSRF can also be used to acquire land for
source water protection. Maine is the first state to implement
a land acquisition loan program in the DWSRF program.  In
the next issue we will highlight land acquisition loans made in
the CWSRF program.

State Focus -  Maine DWSRF
Land Acquisition Loans
Wendy Coffin and Paul Hunt, Maine Department
of Health Services
In an effort to support and facilitate source water protection, the
Maine Drinking Water SRF Program (DWSRF Program) has
included a land acquisition/conservation easement loan compo-
nent  using set-aside funds since its  inception in  December 1997.

The  Process
Each year, the Maine DWSRF Program issues a letter soliciting
construction and land acquisition projects from all qualifying
water systems.   Proposals for land acquisition or purchase of
conservation easements (L.A. projects) are ranked separately
from construction projects and are scored in the following
categories:
1. Compliance/enforcement status of the system (favoring sys-
  tems facing more severe enforcement action, but only if the
  L.A. project will address the enforcement issue)
2. Water rates as a percentage of median household income
  (favoring systems with a higher percentage)
3. Population served (favoring systems with a population
  between 3300 and 9999)
4. System type (favoring community systems)
5. Source type  (favoring surface water  over ground water)
    Based on the sum of points in all five categories, all L.A.
projects are ranked from most to least urgent. Beginning at
the top of the list, systems are notified of the eligibility of their
L.A. projects until all available funds are committed.  To date
the Drinking Water Program has been able to commit to fund
all the L.A. projects that have been proposed.  It is our intent
to fund all future requests using up to 10 percent (the maxi-
mum allowed) of each year's DWSRF capitalization grant.
    The second step in the process is to determine whether
or not the L.A. project "is integral to the source protection
needs of the system." The water system  must submit docu-
mentation demonstrating that the project meets this standard.
For surface water systems, all land within the watershed is
considered to meet the standard.  For ground water systems,
the standard is met by all land which falls within the delineat-
ed wellhead protection area.
    Once a project is deemed eligible and determined to be
integral to source protection, the water  system must accom-
plish the following:
1. Provide an appraisal documenting the fair market value
  of the land
2. Negotiate a purchase and sales agreement with a
  willing seller
3. Demonstrate availability of revenues sufficient to repay
  the loan
    The Maine Municipal Bank typically offers a loan with a
10-year repayment  period for land purchases but will extend
that period to 20 years if a water system makes that request.
Unlike construction loans, however, the interest rate cannot
be reduced and  there is no principal forgiveness, even for
disadvantaged communities.

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                                                SRF's Up
Projects Thus Far
To date, the DWSRF has deemed eligible 11 L.A. projects for a
total of more than $1.4 million.

• Auburn and Lewiston Water Systems
The Auburn Water District and Lewiston Water Department
utilize Lake Auburn, an unfiltered surface supply in south-
central Maine, as a source. Using DWSRF funds, the systems
purchased 434 acres of land in the watershed of "The Basin,"
a small pond which drains directly into Lake Auburn.  As part
of the agreement, the previous land owner is permitted to
continue low-impact farming and hunting on the land.
    Originally, the purchase was to be made by the Lewiston-
Auburn Watershed Control Commission, a non-profit organi-
zation which works closely with the systems to manage the
watershed. However only public water systems are eligible
for land acquisition loans so the loan was ultimately split
between the two water systems. The total purchase price of
the land was $570,000.

• Bangor Water District
The Bangor Water District (BWD) in east-central Maine uti-
lizes Floods Pond as a source. Customers are provided water
from Floods Pond, an unfiltered surface supply located in the
neighboring community of Clifton. The watershed is largely
undeveloped woodland and the BWD already owns more  than
half of the land in the watershed.  The DWSRF has deemed
eligible the purchase of 725 acres from Champion Paper
Company.  Approximately 75 percent of the land is in the
direct watershed of Floods Pond.  The remainder drains to
Burnt Pond, the outlet of which enters Floods Pond near the
BWD intake.  After closing on the land, the BWD will own all
but about 250 acres in  the Floods Pond Watershed. While the
BWD originally requested $321,750, when additional land
became available, they requested and received an additional
$235,250.
Other Projects
Of the nine remaining projects that were ranked and allotted
funds, four were only notified of the availability of funds in the
past few months and have not yet contacted the DWSRF
Program regarding the steps in the process.  One other system
was unable to demonstrate eligibility for a filtration waiver
and is now pursuing a new source.  Two systems were notified
last year of their eligibility for funds but have not pursued the
projects for unspecified reasons.  One system was unable to
negotiate a purchase-and-sales agreement. The remaining sys-
tem negotiated a conservation easement with the land owner
and then, because of the reduced cost,  chose to finance the
agreement without DWSRF assistance.
    If you have any questions about this article or want
further information about Maine's DWSRF Program, call
(207) 287-5684 or visit the program's  website at
http://janus.state.me.us/dhs/eng/water/srf.htm.

Minnesota's  Agriculture Best Management
Practices Loan Program
Minnesota has issued more CWSRF loans to address agricul-
tural nonpoint source pollution than any other state. As of
April 1999, $21.4 million in loans have funded almost 1,900
projects. CWSRF loans have funded agricultural waste man-
agement systems, conservation tillage equipment, structural

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                                                 SRF's  Up
                         Structural
                         Erosion Control
 FIGURE 1
 Agriculture BMPs Funded by the CWSRF
 in Minnesota
erosion control practices, and rural septic systems.
Minnesota's Agriculture Best Management Practices Loan
Program is unique in that it is fairly simple and straightfor-
ward and allows significant control at the local level.

Part of a Multi-Program CWSRF Initiative
In 1995, Minnesota implemented a multi-faceted initiative to
use CWSRF loans to address  nonpoint source pollution prob-
lems.  The Department of Agriculture, the Pollution Control
Agency, and the Department  of Trade and Economic
Development all established  loan programs capitalized with
Clean Water State Revolving Fund dollars. The Agriculture
Best Management Practices Loan Program, developed by the
Minnesota Department of Agriculture, has been the most
active of these loan programs.
A Three-Party Loan Agreement
Three parties participate in loan management in the
Agriculture Best Management Practices Loan Program: the
Department of Agriculture, a local government unit, and a
lending institution.  The Department of Agriculture is respon-
sible for the implementation of the program on a statewide
level.  It advertises the availability of zero-interest funding for
the implementation of comprehensive local water plans and
requests applications. These applications are reviewed by a
committee composed of representatives from five state agen-
cies, two federal agencies, the Association of Minnesota
Counties, and the Association of Minnesota Soil and Water
Conservation Districts. The review committee recommends
priority funding for local government units that submit strong
applications that tie the  problems, causes, solutions, imple-
mentation priority, and benefits into a well-organized imple-
mentation plan. On the basis of these recommendations, the
Commissioner of the Department of Agriculture allocates
funds to each local government unit.
    The local government unit (typically a county or Soil and
Water Conservation District) has four responsibilities in this
program.  First, it must select a lending institution that will
manage secondary loans to individual projects.  Second, it
                                                    Department
                                                    of Trade and
                                                     Economic
                                                    Development
                                                               FIGURE 2
                                                               Distribution of CWSRF Funds among Minnesota State Programs

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                                                 SRF's  Up
                 Minnesota Department
                      of Agriculture
                    Local Government
                    Unit (e.g., County)
FIGURE 3
Flow of Funds for CWSRF Loans in Minnesota's Ag
BMP Program

must certify projects that are eligible for CWSRF funding.
Third, before the final disbursement to each borrower, the
local government unit must certify that the project has been
completed in compliance with accepted standards, specifica-
tions, and criteria.  Finally, the local government unit must
submit an annual report to the Department of Agriculture on
all program activities.
    The lending institution, designated by the local govern-
ment unit, may be a bank, a savings and loan association, a
credit union, a non-profit economic development organiza-
tion, or Farm Credit Services.  The lending institution evalu-
ates, approves, and manages loans to certified borrowers.
The CWSRF distributes funds to the borrower via the lending
institution on a cost-incurred basis. For every CWSRF loan,
the lending institution guarantees repayment of principal to
the Department of Agriculture.  As compensation for these
services, the lending institution receives a 1/2 percent origina-
tion fee and 3 percent interest on the loan.

A Successful Program
Since 1995, Minnesota's CWSRF has capitalized almost 1,900
loans for agriculture best management practices, making it
one of the most prolific programs in the country. Three ele-
ments have contributed to this success:  (1) the simple and
straightforward nature of the program;  (2) the successful dele-
gation of many of the responsibilities of the loan program to
the various state or local organizations most suited to fulfill
them, keeping most of the control at the local level; and (3)
the provision of funds, through a competitive application pro-
cedure, to local governmental units based upon their ability to
implement priority  practices. As a result, Minnesota has made
great strides in addressing agricultural nonpoint source pollu-
tion. For further information about Minnesota's Agriculture
Best Management Practices Loan Program, call Dwight Wilcox
at  (651) 215-1018.

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                                                 SRF's Up

IN  THE  WORKS
Report on Ongoing  SRF Activities

Water Funding "Gap" Study
How can the "gap"  between drinking water and clean water
funding needs and expenditures be addressed?  To answer
this question EPA is conducting a study to identify annual
drinking water and clean water funding needs and compare
these needs to current program expenditures. EPA also hopes
to identify alternative approaches to address the anticipated
gap between needs  and expenditures. The study is covering
local level programs and activities eligible for financial sup-
port from EPA's Clean Water and Drinking Water State
Revolving Funds as  well as state programs.

DWSRF Regulations
The DWSRF program is in the process of developing regula-
tions which will codify the final guidelines for the program.
The final guidelines and subsequent policies were developed
with the participation  of states  and other stakeholders and
underwent public comment. The draft of the regulation was
made available to the  public on the OGWDW website for a 45
day public comment period which closed May 27. The draft
was developed with input from the State/EPA SRF work group.
The regulation will be modified after considering the com-
ments that are received, and will be published as an Interim
Final rule during the winter of 1999. The Interim Final rule
will become effective upon  the date of publication, but will
allow for a 60 day comment period. If revisions are neces-
sary based on the comments received, the rule will be pub-
lished as Final, otherwise the Interim Final rule will stand.

Training Needs Survey
During the past several years,  EPA has conducted training for
CWSRF and DWSRF staff in states and EPA regions to ensure
that everyone has access to  the information they need to
implement their programs.  It is important to ensure that staff
running the SRF programs are trained on pertinent topics.
Three associations that represent the majority of SRF pro-
grams - the Association of State and Interstate Water
Pollution Control Administrators  (ASIWPCA), the Association
of State Drinking Water Administrators (ASDWA), and the
Council on Infrastructure Financing Authorities (CIFA),
stepped in this spring and offered to survey their members to
identify the most critical needs to assist EPA in developing
plans for future  training.  A survey was distributed to mem-
bers during March and representatives from the three associ-
ations presented the findings to the State-EPA work group at
its April meeting. Results will be used to develop a training
agenda for the future.

Environmental Indicators
Measuring environmental results is fundamental in determin-
ing the environmental benefits gained from the expenditure of
SRF funds.  EPA  has initiated a process to identify the key
environmental indicators that can be used to assist state part-
ners with priority setting and monitoring of their CWSRF pro-
gram's progress, while providing a nationally consistent set of
performance measures to be used by EPA to assess the progress
of the national program.  Members of the State/EPA Work
group were invited to participate in a task force to assist in
the implementation of this project.  The  16 member task
force consists of staff from EPA and 6 states Using a recently
completed report as a starting point, Environmental Indica-
tors for the Clean Water State Revolving Fund, the task force
has selected a set of indicators for pilot testing and further
refinement. It is anticipated that the final set of indicators will
be ready for implementation by the fall of the year 2000.

„

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                                                          SRF's  Up
10
            EVENTS
1. The Association of Metropolitan Sewerage Agencies
  Location: Philadelphia, PA
  Date: July 20-23, 1999
  Information: see the AMSA website

2. The Association of State and Interstate Water
  Pollution Control Agencies Annual Meeting
  Location: Kennebunkport, ME
  Date: August 29-September 1,  1999
  Information: see the ASIWPCA  website

3. The Association of State Drinking Water
  Administrators Fourteenth Annual Conference
  Location: Lake Buena Vista, Florida
  Date: October 4-7, 1999
  Information: (202) 293-7655  or visit the ASDWA website.

4. The Association of Metropolitan Water Agencies
  Location: Norfolk, VA
  Date: October 17-20,  1999
  Information: see the AMWA website

5. The Council of Infrastructure Financing
  Authorities Annual SRF Conference
  Location: San Antonio, TX
  Date: November 8-9, 1999
  Information: Tara Powers at (202) 371-9694
                                                          SRF  LINKS
1.CWSRF/DWSRF@EPA
  Both SRFs maintain pages on the EPA website with informa-
  tion on the programs.  Both sites contain guidance, policy
  documents and contact lists for state and regional staff.
  The URLs are as follows:
  • CWSRF:  www.epa.gov/owm/finan.htm
  • DWSRF: www.epa.gov/safewater/dwsrf.html
  The DWSRF site includes a link to a Local Drinking Water
  Information page, which has state by state information on
  drinking water systems and programs.  Where available,
  this page includes a link to state DWSRF Intended Use
  Plans.

2. National Associations
  • Association of State and Interstate Water Pollution
    Control  Agencies: www.asiwpca.org

  • Association of State Drinking Water
    Administrators: www.asdwa.org

  • American Water Works Association:www.awwa.org

  • Association of Metropolitan Water Agencies:
    www.amwa-water.org

  • Association of Metropolitan Sewerage Agencies:
    www.amsa-cleanwater.org

  • National Association of Water Companies:
    www.nawc.org

3. State Programs
Many SRF programs have websites that are used to provide
program information and application materials. This newslet-
ter places a spotlight on New York.
  • NY Environmental Finance Corporation:
    www.nysefc.org

  • New York Dept. Of Health:
    www.health.state.ny.us/nysdoh/environ/water.htm

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                                            SRF's  Up
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                                                     or
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     $300
          IN  THIS ISSUE.
          On the National Scene
          • CWSRF - NPS/Estuary Grant Proposal Status and
           Implementation
          • Status of Implementation in the DWSRF program
          • Clean Water Action Plan - An SRF Perspective

          State Activities and Trends
          • Cross-Collateralization and Cross Investment
          • California Loan to The Nature Conservancy
          • Extended Bond Purchase Program
          • State Focus - Maine DWSRF Land Acquisition Loans
          • State Focus - Minnesota CWSRF Loans for Agricultural Best
           Management Practices
In the Works - Report on Ongoing SRF Activities
•  Water Funding Gap Study
•  DWSRF Regulations
•  Training Needs Survey
•  Environmental Indicators
Events* SRF Links •  SRF Fax Back
                          Clean Water
                          State Revolvti ig fund


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