2025-10-03T12:50:06-05:00 2024-12-31 521853933 JM&M 10500 LITTLE PATUXENT PARKWAY SUITE 770 COLUMBIA MD 21044 990 2024-01-01 223226765 ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC ASSO 8662781567 170 NE 2ND STREET 1908 BOCA RATON FL 33429 MARTIN LYNCH PRESIDENT 8662781567 2025-10-01 1 1 MEENA BISHNOI P01480769 4108840220 2024 2025-03-06 01:10:19Z FINANCIAL COUNSELING ASSOCIATION OF AMERICA (FCAA) LORI POLLACK 170 NE 2ND STREET 1908 BOCA RATON FL 33429 389613 0 X FCAA.ORG X 1993 NJ TO PROVIDE HIGH-VALUE SERVICES DESIGNED TO ESTABLISH EQUILIBRIUM BETWEEN CONSUMERS, CREDITORS, AND MEMBER AGENCIES FOR THE SUCCESSFUL REHABILITATION OF DEBT-CHALLENGED FAMILIES AND INDIVIDUALS. 9 9 1 9 0 0 27500 36250 310063 343349 8105 10014 0 0 345668 389613 0 0 0 0 124392 130418 0 0 0 212790 339500 337182 469918 8486 -80305 481468 379591 32487 10915 448981 368676 X TO PROVIDE HIGH-VALUE SERVICES DESIGNED TO ESTABLISH EQUILIBRIUM BETWEEN CONSUMERS, CREDITORS, AND MEMBER AGENCIES FOR THE SUCCESSFUL REHABILITATION OF DEBT-CHALLENGED FAMILIES AND INDIVIDUALS. 0 1 359758 163479 MEMBERSHIP SERVICES - THE ASSOCIATION INFORMS ITS MEMBERS ABOUT STATE AND FEDERAL LEGISLATION, CHAMPIONS CONSUMER FINANCIAL EDUCATION, SUPPORTS INDUSTRY ISSUES AND INITIATIVES THROUGH THE MEDIA, AND STRIVES FOR THE MAINTENANCE OF CONTINUED POSITIVE RELATIONSHIPS BETWEEN CREDITORS AND THE CREDIT COUNSELING INDUSTRY. ADDITIONAL MEMBER SERVICES - THE ASSOCIATION PROVIDES INFORMED LEADERSHIP, ADVOCACY, AND VALUE-ADDED SERVICES TO ITS MEMBERS BY COLLECTING DATA ON MEMBER NEEDS, MEASURING MEMBER SATISFACTION, AND CONTINUOUSLY STRIVING TO IMPROVE THE ASSOCIATION'S EFFECTIVENESS. IN ADDITION, THE ASSOCIATION MAINTAINS A WEBSITE THAT PROVIDES INFORMATIONAL AND EDUCATIONAL RESOURCES FOR MEMBERS AND CONSUMERS IN GENERAL. 43041 179870 ANNUAL CONFERENCE - THE ASSOCIATION OFFERS EDUCATIONAL CONFERENCES FOR MEMBERS TO SHARE INFORMATION AND TO OBTAIN THE LATEST UPDATES FROM INDUSTRY EXPERTS ON CREDIT COUNSELING METHODS AND PRACTICES. SESSIONS ARE CONDUCTED FOR INDIVIDUALS AT ALL LEVELS OF THEIR ORGANIZATION AND ON MANY VARIED RELEVANT TOPICS. IN ADDITION, COUNSELORS IN ATTENDANCE AT THE CONFERENCE ARE ELIGIBLE TO RECEIVE CONTINUING EDUCATION CREDITS FROM THEIR THIRD PARTY CERTIFICATION PROVIDERS. 402799 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 X 9 9 1 0 0 0 1 1 0 1 0 0 0 1 1 1 1 1 1 0 0 0 NJ FL X LORI POLLACK 8662781567 170 NE 2ND STREET 1908 BOCA RATON FL 33429 MARTIN LYNCH PRESIDENT 15.00 X X 0 0 0 CHRISTOPHER VIALE VICE PRESIDENT AND CO-CHAI 15.00 X X 0 0 0 JUDITH SORENSEN CO-CHAIR 7.50 X X 0 0 0 PHIL HEINEMANN TREASURER 15.00 X X 0 0 0 RUSSELL GRAVES SECRETARY 5.00 X X 0 0 0 ROBB CZYZEWSKI TRUSTEE 2.00 X X 0 0 0 GARY HERMAN TRUSTEE 4.00 X 0 0 0 SAM HOHMAN TRUSTEE 2.00 X 0 0 0 RICK MUNSTER TRUSTEE 2.00 X 0 0 0 LORI POLLACK EXECUTIVE DIRECTOR 40.00 X 112000 0 9849 112000 0 9849 1 0 0 0 0 36250 36250 MEMBERSHIP DUES 900099 163479 163479 NET TELELEAD REVENUE 900099 138180 138180 CONFERENCE REVENUES 900099 41690 41690 343349 10014 10014 389613 343349 0 10014 121850 85295 36555 8568 5998 2570 3139 3139 7266 6068 1198 175503 175503 6213 1690 4523 17413 17413 25730 7719 18011 43041 43041 2832 1982 850 TELELEAD EXPENSES 54590 54590 DUES AND SUBSCRIPTIONS 3500 3500 TAXES AND FEES 273 273 469918 402799 67119 0 273972 154763 200000 210015 6015 12305 1481 2508 481468 379591 2535 9915 10750 1000 19202 0 32487 10915 X 448981 368676 448981 368676 481468 379591 -80305 0 X 0 0 0 X 2500 51702 26311 27500 36250 144263 182602 205423 210550 310063 343349 1251987 185102 257125 236861 337563 379599 1396250 0 55500 89974 58330 104804 224499 533107 55500 89974 58330 104804 224499 533107 863143 98 98 72 8105 10014 18387 98 98 72 8105 10014 18387 113 113 185200 257336 236933 345668 389613 1414750 0.61010 0.71550 0.01300 0.00640 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: MISCELLANEOUS INCOME - 2021 AMOUNT: $ 113. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED FORM 990, PART III, LINE 3 THE ORGANIZATION STOPPED OFFERING STUDENT LOAN TRAINING IN 2023 - THE ASSOCIATION'S COMPREHENSIVE STUDENT LOAN TRAINING PROGRAM PROVIDES FINANCIAL COUNSELING PROFESSIONALS WITH THE TOOLS NEEDED TO HELP BORROWERS UNDERSTAND AND NAVIGATE THE MANY COMPLEX FEDERAL STUDENT LOAN PROGRAMS. THIS PROGRAM IS A COMBINATION OF SELF STUDY VIA ON-LINE COURSE AS WELL AS INTERACTION WITH AN INSTRUCTOR. FORM 990, PART VI, SECTION A, LINE 2 THE PRESIDENT AND VICE PRESIDENT BOTH WORK FOR THE SAME MEMBER AGENCY. THE CO-CHAIR AND SECRETARY BOTH WORK FOR THE SAME MEMBER AGENCY. FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS AUTHORIZED THREE TYPES OF MEMBERSHIPS: REGULAR, ASSOCIATE AND SPONSORING MEMBERSHIPS. REGULAR MEMBERS ARE ENTITLED TO VOTE WHILE ASSOCIATE AND SPONSORING MEMBERS ARE NOT. THERE ARE CURRENTLY NO ASSOCIATE OR SPONSORING MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S REGULAR MEMBERS ARE AUTHORIZED TO ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE ANY SEPARATE COMMITTEES AUTHORIZED TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY THE BOARD AND SIGNED BY THE ORGANIZATION'S PRESIDENT PRIOR TO FILING THE RETURN WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C EACH YEAR THE EXECUTIVE DIRECTOR ENSURES THAT ALL BOARD MEMBERS SIGN THE CONFLICT OF INTEREST STATEMENTS AND MAINTAINS COPIES OF SIGNED STATEMENTS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.