Regulators who oversee child care, however, don't see it as charity. Days after the start of the new school year, Snyder received a letter from theMichigan Department of Human Services warning her that if she continued, she'd be violating a law aimed at the operators of unlicensed day care centers.

"I was freaked out. I was blown away," she said. "I got on the phone immediately, called my husband, then I called all the girls" — that is, the mothers whose kids she watches — "every one of them."