Clean and healthy water is essential to life, but many waterways in the mid-Atlantic region do not currently meet state or local water quality goals. EFC partners with communities and organizations to provide innovative and effective finance and policy strategies to improve and protect water quality. This work spans all three water sectors – drinking water, wastewater, and stormwater – and we have particular interest in integrating water management across sectors to achieve affordable and equitable solutions for all water users. Recent projects have focused on assisting local governments and state agencies in developing policies and programs to meet Chesapeake Bay Total Maximum Daily Load (TMDL) targets, outlining financing strategies for pollution reduction projects as part of MS4 (municipal separate storm sewer system) permits, promoting regional approaches to sustainable water management, and creating tools that help communities understand the costs and benefits of best management practices.