An official website of the United States government.

We've made some changes to If the information you are looking for is not here, you may be able to find it on the EPA Web Archive or the January 19, 2017 Web Snapshot.

Water Infrastructure Finance and Innovation Act (WIFIA)

WIFIA Resources

Program Handbook

The WIFIA Program Handbook describes how EPA administers the WIFIA program. Upon reading this handbook, prospective borrowers should be able to understand the requirements and procedures for obtaining WIFIA credit assistance and complying with WIFIA program rules and regulations.


Template Term Sheet

The WIFIA Template Term Sheet is intended to provide a reference for the potential terms and conditions that may be applicable in a WIFIA transaction with public system borrowers, including various options that the WIFIA program can offer.


Information Sessions

EPA’s WIFIA program hosts webinars and information sessions for prospective borrowers to foster a greater understanding of the WIFIA program requirements and pave the way for successful applications to the program.

Join EPA's upcoming WIFIA Information Sessions or webinars to learn more about the program’s:
  • Current status
  • Eligibility and statutory requirements
  • Application process
  • Financial benefits and flexibilities
Intended Audience:
  • Prospective borrowers including municipal entities, tribes, corporations, partnerships, and State Revolving Fund programs
  • Private and non-governmental organizations that support prospective borrowers

Upcoming Information Sessions

  • January 9, 2020
    Federal Requirements under WIFIA
    Learn about WIFIA's National Environmental Policy Act of 1969 (NEPA) review requirements and other federal compliance requirements, including American Iron and Steel (AIS) and Davis-Bacon and Related Acts (DBRA).
  • March 17, 2020
    Financing a Program of Projects
    Learn about options for combining projects under one WIFIA loan. This webinar will include examples of how our existing borrowers combine projects.

Past Information Sessions and Webinars

View past information sessions and webinars.

Learning Module

The WIFIA 101 Learning Module is self-paced, interactive training module designed to teach prospective borrowers about WIFIA financing. It includes chapters about the WIFIA program’s eligibility, financial terms and conditions, financial benefits, application process, and Federal requirements.

Federal Compliance Requirements

Projects receiving WIFIA credit assistance must comply with all federal laws and regulations, including environmental compliance requirements and other compliance requirements. The WIFIA program will review application materials and work with prospective borrowers to make determinations, conduct consultations with other agencies, and ensure compliance. The following requirements are particularly important for WIFIA projects.

More information about compliance requirements is available in Chapter 1 and Appendices E and H of the WIFIA Program Handbook.

  • National Environmental Policy Act of 1969 (NEPA) 
    Each proposed WIFIA project must be assessed for its impact on the environment under the guidelines set forth by NEPA. EPA will not issue a term sheet or obligate funds for a project until a final agency determination, such as a Categorical Exclusion (CATEX), Finding of No Significant Impact (FONSI), or a Record of Decision (ROD), has been issued. EPA determines if a proposed project qualifies for a Categorical Exclusion, using EPA’s NEPA implementing regulations, which specify EPA’s environmental review procedures. EPA considers EPA’s NEPA Implementing Regulations for Environmental Assessments (EA) and Environmental Impact Statements (EIS) to determine if an EA or EIS should be prepared for a project. EPA also considers the NEPA implementing regulations for EISs. Table H-2 of the WIFIA Program Handbook outlines the implementing regulations for EAs and EISs.

    WIFIA projects may also be eligible for coverage under the WIFIA Programmatic Environmental Assessment (PEA). The PEA analyzes the potential environmental impacts related to the issuance of credit assistance under WIFIA. The PEA is an innovative approach to environmental review covering a group of projects that are similar in scope, scale, and magnitude, and that have similar types of impacts, rather than a singular project. Projects covered under the PEA do not require an additional public notification or public comment period.
  • National Historic Preservation Act (NHPA)
    Projects must comply with the NHPA, which requires consultation with the appropriate Historic Preservation Office. The fundamental responsibility of federal agencies, Section 106 of the NHPA, is to consider the effect of any undertaking on any district, site, building, structure, or object that is included in or eligible for inclusion in the National Register prior to approval of the expenditure. For information on the 106 process and how the public can become involved, see A Citizen's Guide to Section 106 Review.
  • American Iron and Steel (AIS) Requirements
    WIFIA borrowers are required to use iron and steel products produced in the United States. Guidance developed for compliance with AIS requirements for EPA’s SRF programs applies to projects receiving WIFIA credit assistance.
  • Davis-Bacon Wage Requirements
    WIFIA borrowers are required to comply with Davis-Bacon wage requirements and pay all laborers and mechanics working on the project no less than the locally prevailing wages on similar projects in the area.
You may need a PDF reader to view some of the files on this page. See EPA’s About PDF page to learn more.

Water Infrastructure Finance and Innovation Act (WIFIA)