2023-10-16T13:55:57-05:00 2022-12-31 521392008 GELMAN ROSENBERG & FREEDMAN 4550 MONTGOMERY AVE SUITE 800N BETHESDA MD 208142930 990 2022-01-01 520846275 CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC CONS 4435140600 6315 HILLSIDE CT STE B COLUMBIA MD 210463230 HELENE RAYNAUD PRESIDENT & CEO 4435140600 2023-10-16 1 HELENE RAYNAUD 999009999 0 RICHARD J LOCASTRO CPA P00288314 3019519090 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z HELENE RAYNAUD 6315 HILLSIDE CT STE B COLUMBIA MD 210463230 7442432 0 X WWW.CCCSMD.ORG X 1966 MD TO HELP STABILIZE COMMUNITIES BY CREATING HOPE AND PROMOTING ECONOMIC SELF-SUFFICIENCY. 11 11 23 10 0 0 1749599 2466402 334206 299519 788009 27208 439 0 2872253 2793129 201563 1539189 0 0 1375702 1674107 0 0 0 745963 725725 2323228 3939021 549025 -1145892 10074197 9200973 244900 1531435 9829297 7669538 X THE MISSION OF CCCSMD IS TO IMPROVE THE FINANCIAL LIVES OF THE INDIVIDUALS AND COMMUNITIES WE SERVE.A NONPROFIT ORGANIZATION SERVING THE COMMUNITY SINCE 1966, CONSUMER CREDIT COUNSELING SERVICE OF MD & DE, INC. (D/B/A CCCSMD) PROVIDES COMPREHENSIVE FINANCIAL SOLUTIONS TO PEOPLE WHO NEED OR WANT TO IMPROVE THEIR FINANCIAL WELL-BEING. WE ARE RECOGNIZED AS ONE OF THE COUNTRY'S MOST REPUTABLE PROVIDERS OF CREDIT COUNSELING, HOUSING COUNSELING, AND FINANCIAL EDUCATION AND COACHING. THROUGH A HOLISTIC, EDUCATIONAL APPROACH, CCCSMD EMPOWERS CLIENTS TO MAKE INFORMED FINANCIAL DECISIONS THAT WILL HELP THEM ACHIEVE THEIR FINANCIAL GOALS. 0 0 3576869 1539189 299519 CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE, INC., (CCCSMD) IS A NON-PROFIT HOUSING AND CREDIT COUNSELING ORGANIZATION FOUNDED IN 1966 BY A GROUP OF LOCAL BUSINESS LEADERS WHO RECOGNIZED A COMMUNITY NEED FOR FINANCIAL EDUCATION AND COUNSELING. HISTORICALLY, THE CORNERSTONE OF OUR ORGANIZATION HAS BEEN CREDIT COUNSELING, DEBT MANAGEMENT, AND COMMUNITY EDUCATION. TODAY, CCCSMD PROVIDES A FULL RANGE OF SERVICES THAT ALSO INCLUDES STUDENT LOAN COUNSELING, CREDIT BUILDING/REBUILDING, AND HOUSING COUNSELING. OUR CERTIFIED COUNSELORS AND COACHES HELP CONSUMERS UNDERSTAND AND ALLEVIATE FINANCIAL AND HOUSING ISSUES AND GAIN FINANCIAL STABILITY. ANNUALLY WE REACH MORE THAN 11,000 CONSUMERS THROUGH COUNSELING, COMMUNITY WORKSHOPS AND OUTREACH EVENTS. CCCSMD IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING, ACCREDITED BY THE COUNCIL ON ACCREDITATION, AND IS A HUD-APPROVED NATIONAL INTERMEDIARY HOUSING COUNSELING AGENCY. ALTHOUGH A NATIONWIDE PROVIDER, WE HAVE A STRONG REGIONAL PRESENCE WITH BRANCH OFFICES IN MARYLAND (BALTIMORE AND COLUMBIA), FLORIDA, CALIFORNIA AND VIRGINIA. OUR MISSION IS "TO CREATE ECONOMIC STABILITY THROUGH FINANCIAL ADVOCACY AND COUNSELING." 3576869 1 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 8 0 1 23 1 0 0 0 0 0 0 0 0 0 0 0 0 X 11 11 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 0 0 CA FL GA IL MD MI NJ NY PA VA WI X HELENE RAYNAUD 4435140600 6315 HILLSIDE CT STE B COLUMBIA MD 210463230 BRIAN TAYLOR CHAIRMAN 0.50 X X 0 0 0 WILLIAM E MILLS III VICE CHAIR 0.50 X X 0 0 0 NATALIE A TRUNOW TREASURER 0.50 X X 0 0 0 LAURIE BENNER SECRETARY 0.50 X X 0 0 0 BLAKE ALLISON BOARD MEMBER 0.50 X 0 0 0 RAHN BARNES BOARD MEMBER 0.50 X 0 0 0 JUSTIN COUSINS BOARD MEMBER 0.50 X 0 0 0 LAUREN HUGHES BOARD MEMBER 0.50 X 0 0 0 BENJAMIN LOWENTHAL BOARD MEMBER 0.50 X 0 0 0 JOYCE ODONGO BOARD MEMBER 0.50 X 0 0 0 GAIL SANDERS BOARD MEMBER 0.50 X 0 0 0 HELENE RAYNAUD PRESIDENT, CEO 40.00 X 242129 0 13864 SUSAN FITZ VP, COUNSELING, PROG. & COMPLIANCE 40.00 X 115563 0 8083 357692 0 21947 2 0 1 0 0 2122616 343786 2466402 CLIENT FEES AND REIMBURSEMENTS 900099 212445 212445 PARTNERSHIPS AND WORKSHOPS 900099 87074 87074 299519 193328 193328 4483183 4649303 -166120 -166120 -166120 2793129 299519 0 27208 1539189 1539189 255993 193262 62731 1184533 1167799 16734 28072 27497 575 93449 93449 112060 106454 5606 11923 11923 120846 120846 49983 49983 14638 13541 1097 24800 24800 89873 58875 30998 99863 84404 15459 119548 96536 23012 7022 7022 1655 1655 5037 3777 1260 23790 17340 6450 DUES AND FEES 71944 66979 4965 LICENSING/ACCREDITATION 33768 33768 REPAIRS AND MAINTENANCE 12507 9804 2703 PAYROLL SERVICE CHARGES 11694 7271 4423 26834 23447 3387 3939021 3576869 362152 0 73823 355535 1542008 638296 9768 5392 546725 578872 25103 3098 230817 217115 18739 13702 7844863 7286790 13168 319288 10074197 9200973 241456 1014810 202748 3444 3083 0 310794 244900 1531435 X 9829297 7669538 9829297 7669538 10074197 9200973 -1145892 -1013867 0 X 0 1 X 1 1 1 X 1353739 1150478 1710321 1749599 2466402 8430539 819843 604906 435262 334206 299519 2493736 2173582 1755384 2145583 2083805 2765921 10924275 1850 4400 974 2025 2000 11249 0 1850 4400 974 2025 2000 11249 10913026 322617 255973 220690 380806 193328 1373414 322617 255973 220690 380806 193328 1373414 631 103844 439 104914 2496830 2115201 2366273 2465050 2959249 12402603 0.87990 0.86640 0.11070 0.12390 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 13825 4175 9650 26833 26833 0 190159 186107 4052 13702 OPERATING LEASE LIABILITY 310794 310794 X 1729279 -1013867 -1013867 2743146 49983 49983 2793129 3889038 0 3889038 49983 49983 3939021 PART IV, LINE 2B: PAYMENTS MADE BY CLIENTS TO THE ORGANIZATION FOR SCHEDULED PAYMENTS TO THE CLIENTS' CREDITORS ARE RESTRICTED AND SHOWN AS ESCROW FUNDS ON DEPOSIT ON THE BALANCE SHEET. PART X, LINE 2: FOR THE YEAR ENDED DECEMBER 31, 2022, THE ORGANIZATION HAS DOCUMENTED ITS CONSIDERATION OF FASB ASC 740-10, INCOME TAXES, THAT PROVIDES GUIDANCE FOR REPORTING UNCERTAINTY IN INCOME TAXES AND HAS DETERMINED THAT NO MATERIAL UNCERTAIN TAX POSITIONS QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. 1 CESI 3700 BARRETT DRIVE RALEIGH NC 276097213 562106758 501(C)(3) 582830 0 COMPREHENSIVE HOUSING/HOUSING STABILITY TAKECHARGE 20620 NORTH 19TH AVE PHOENIX AZ 85027 860593598 501(C)(3) 237926 0 COMPREHENSIVE HOUSING/HOUSING STABILITY CCCS OF BUFFALO 40 GARDENVILLE PKWY STE 300 W SENECA NY 14224 160909583 501(C)(3) 62311 0 COMPREHENSIVE HOUSING/HOUSING STABILITY CONSUMER DEBT COUNSELORS 831 W MORSE BLVD WINTER PARK FL 32789 593548266 501(C)(3) 295078 0 COMPREHENSIVE HOUSING/HOUSING STABILITY CCCS OF KANSAS PO BOX 843 SALINA KS 67402 480995970 501(C)(3) 6854 0 COMPREHENSIVE HOUSING/HOUSING STABILITY SERVICES OF HOPE 5470 ELLSWORTH AVENUE DALLAS TX 75206 331104425 501(C)(3) 17435 0 COMPREHENSIVE HOUSING RESERVOIR HILL IMPROVEMENT COUNCIL 10 E NORTH AVE SUITE 5 BALTIMORE MD 21202 521310017 501(C)(3) 24690 0 COMPREHENSIVE HOUSING/HOUSING STABILITY CLARIFI 1635 MARKET STREET PHILADELPHIA PA 19103 231671903 501(C)(3) 30290 0 HOUSING STABILITY MONEY MANAGEMENT INTERNATIONAL 14141 SOUTHWEST FREEWAY STE 1000 SUGAR LAND TX 77478 541837741 501(C)(3) 281775 0 HOUSING STABILITY 9 0 PART I, LINE 2: OVERSIGHT OF SUB-GRANTEE ACTIVITIES IS ACCOMPLISHED THROUGH PERIODIC PERFORMANCE REVIEWS AND, WHEN DETERMINED NECESSARY, RANDOM REVIEWS OF BOTH CLIENT FILES AND OTHER EXPENDITURES AT THE TIME OF REPORTING SUBMISSION. AT THE TIME OF INITIATING A PERFORMANCE REVIEW, THE SUB-GRANTEE IS SENT A LETTER ADVISING OF THE REVIEW, WHICH INCLUDES THE DATE EITHER A DESK REVIEW OR ON-SITE REVIEW WILL TAKE PLACE AND A LIST OF THE DOCUMENTS THAT MUST BE SUBMITTED PRIOR TO THE DATE OF THE REVIEW. THE REVIEW LOOKS AT PROGRAMMATIC REQUIREMENTS OF COUNSELING ACTIVITIES, AND FINANCIAL AND CORPORATE COMPLIANCE ITEMS. ADDITIONALLY, CCCSMD UTILIZES THE HUD FORM 9910 FOR THE SUB-GRANTEE TO PERFORM A SELF-CERTIFICATION, AND THE FORM IS SUBSEQUENTLY USED TO VALIDATE AND VERIFY ALL REQUIRED COMPONENTS DURING THE REVIEW. A RANDOM SELECTION OF 8-10 REPORTED COUNSELING SESSIONS AND/OR GROUP EDUCATION FILES ARE SELECTED FOR REVIEW, AND EACH IS REVIEWED FOR COMPLIANCE WITH ALL PROGRAMMATIC REQUIREMENTS. ADDITIONAL NON-COUNSELING EXPENDITURES MAY ALSO BE SELECTED FOR REVIEW, IF APPLICABLE. AN 80% OR HIGHER SCORE IS EXPECTED, AND IF THE SUB-GRANTEE FALLS BELOW THAT PERFORMANCE LEVEL, A REMEDIATION PLAN IS REQUIRED. ANY FINDINGS MUST BE CLEARED WITHIN 14 DAYS AND EVIDENCE PROVIDED REFLECTING THAT CORRECTIVE ACTION(S) WERE TAKEN. CCCSMD FOLLOWS UP ON OUTSTANDING FINDINGS UNTIL AN ACCEPTABLE RESOLUTION OCCURS. RECURRING ISSUES MAY RESULT IN A SUB-GRANTEE'S FUNDING BEING WITHHELD UNTIL A RANDOM REVIEW PERFORMED AT EACH REIMBURSEMENT REQUEST VERIFYING THAT ALL FINDINGS ARE RESOLVED. SHOULD AN ACCEPTABLE RESOLUTION NOT BE OBTAINED, FUNDING RECAPTURE MAY BE INITIATED. X X X X 0 0 0 0 0 0 0 1 0 HELENE RAYNAUD PRESIDENT, CEO 212129 0 30000 0 0 0 8794 0 5070 0 255993 0 0 0 PART I, LINE 7 THE FOLLOWING INDIVIDUALS RECEIVED A BONUS THAT ARE REPORTED ON PART VII: - HELENE RAYNAUD $30,000 - SUSAN FITZ $3,000 FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 WAS PREPARED BY THE OUTSIDE ACCOUNTANTS AND REVIEWED BY THE CEO, THE BOARD CHAIR, AND AT LEAST ONE OTHER EXECUTIVE MEMBER OF THE BOARD. THE 990 WAS THEN MADE AVAILABLE TO THE ENTIRE BOARD PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ANY BOARD MEMBER WHO HAS A DIRECT OR INDIRECT INVOLVEMENT, OR ANY FINANCIAL INTEREST WHATSOEVER, IN CONNECTION WITH ANY TRANSACTION INVOLVING THE CORPORATION, OR IN PROVIDING ANY GOODS OR SERVICES TO THE CORPORATION, SHALL DISCLOSE THE NATURE AND SUBSTANCE OF THAT INTEREST OR INVOLVEMENT TO THE OTHER MEMBERS OF THE BOARD AND SHALL ABSTAIN FROM VOTING ON ANY MATTER WHICH TOUCHES OR CONCERNS THE SAID MATTER. BOARD MEMBERS ARE PROHIBITED FROM HAVING ANY DIRECT OR INDIRECT OWNERSHIP OR OTHER FINANCIAL INTEREST IN THE ASSETS OF THE CORPORATION, OR IN REAL OR PERSONAL PROPERTY LEASED OR USED BY THE CORPORATION. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION OF THE ORGANIZATION'S CEO IS REVIEWED EACH YEAR BY THE EXECUTIVE COMMITTEE. A COMPENSATION SURVEY OR STUDY MAY BE DONE TO MONITOR APPROPRIATE COMPENSATION, AND ANY CHANGES IN COMPENSATION ARE APPROVED BY THE EXECUTIVE COMMITTEE. THE CEO DETERMINES COMPENSATION FOR THE ORGANIZATION'S OTHER OFFICERS AND KEY EMPLOYEES. THE MOST RECENT REVIEW TOOK PLACE IN DECEMBER, 2022. FORM 990, PART VI, SECTION C, LINE 19 IF REQUESTS ARE RECEIVED TO VIEW THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, OR FINANCIAL STATEMENTS, THE ORGANIZATION WILL CONSULT WITH ITS PROFESSIONAL COUNSEL BEFORE MAKING PUBLIC.