2026-07-22T15:31:03-05:00 2025-12-31 521853933 JM&M 10500 LITTLE PATUXENT PARKWAY SUITE 770 COLUMBIA MD 21044 990 2025-01-01 223226765 ASSOCIATION OF INDEPENDENT CONSUMER CREDIT COUNSELING AGENCIES INC ASSO 8662781567 170 NE 2ND STREET 1908 BOCA RATON FL 33429 MARTIN LYNCH PRESIDENT 8662781567 2026-07-22 1 MEENA BISHNOI P01480769 4108840220 2025 2025-03-06 01:10:19Z FINANCIAL COUNSELING ASSOCIATION OF AMERICA (FCAA) LORI POLLACK 170 NE 2ND STREET 1908 BOCA RATON FL 33429 429946 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 11 0 0 36250 19500 343349 399080 10014 11329 0 37 389613 429946 0 0 0 0 130418 135931 0 0 0 339500 289915 469918 425846 -80305 4100 379591 390302 10915 14616 368676 375686 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 0 234165 371447 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. 38796 27633 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. 272961 1 1 0 0 0 0 0 0 0 0 0 0 0 0 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 1 2 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 X 9 9 1 0 1 0 1 1 0 1 0 0 0 1 1 1 1 1 1 0 0 0 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-CHAIR 7.50 X X 0 0 0 JUDITH SORENSEN CO-CHAIR 2.00 X X 0 0 0 PHIL HEINEMANN TREASURER; TRUSTEE UNTIL MAY 5.00 X X 0 0 0 RUSSELL GRAVES SECRETARY 2.00 X X 0 0 0 ROBB CZYZEWSKI TRUSTEE 2.00 X 0 0 0 GARY HERMAN TRUSTEE 2.00 X 0 0 0 SAM HOHMAN TRUSTEE UNTIL MAY 2.00 X 0 0 0 RICK MUNSTER TRUSTEE 7.50 X 0 0 0 LORETTA RONEY TRUSTEE AS OF MAY 2.00 X 0 0 0 MANUEL SALAZAR TRUSTEE AS OF MAY 2.00 X 0 0 0 LORI POLLACK EXECUTIVE DIRECTOR 40.00 X 112000 0 15363 112000 0 15363 1 0 0 0 0 19500 19500 NET TELELEAD REVENUE 900099 216114 216114 MEMBERSHIP DUES 900099 155333 155333 CONFERENCE REVENUES 900099 27633 27633 399080 11329 11329 MISCELLANEOUS INCOME 900099 37 37 37 429946 399080 0 11366 127363 127363 8568 8568 4076 250 3826 2365 1100 1265 162461 162461 6665 3059 3606 9012 9012 7099 7099 38796 37832 964 2832 2832 TELELEAD EXPENSES 50415 50415 DUES AND SUBSCRIPTIONS 6050 6000 50 TAXES AND FEES 144 144 425846 272961 152885 0 154763 94986 210015 271344 12305 18365 2508 5607 379591 390302 9915 8620 1000 0 5996 10915 14616 X 368676 375686 368676 375686 379591 390302 4100 2910 0 X 0 0 0 X 51702 26311 27500 36250 19500 161263 205423 210550 310063 343349 399080 1468465 257125 236861 337563 379599 418580 1629728 0 89974 58330 104804 224499 81328 558935 89974 58330 104804 224499 81328 558935 1070793 98 72 8105 10014 11329 29618 98 72 8105 10014 11329 29618 113 37 150 257336 236933 345668 389613 429946 1659496 0.64530 0.61010 0.01780 0.01300 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: MISCELLANEOUS INCOME - 2021 AMOUNT: $ 113. 2025 AMOUNT: $ 37. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 FAIR FEE ADVOCACY LIABILITY 5996 5996 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 4 DURING 2025, THE ORGANIZATION AMENDED ARTICLES 4, 5, AND 9 OF ITS BYLAWS. THE AMENDMENTS INCREASED THE MAXIMUM NUMBER OF DIRECTORS FROM NINE TO ELEVEN, REVISED DIRECTOR QUALIFICATIONS AND BOARD-COMPOSITION RULES, PROVIDED THAT OFFICERS MAY, BUT ARE NOT REQUIRED TO, ALSO SERVE AS DIRECTORS, AND UPDATED BOARD ELECTION AND HOLDOVER PROVISIONS. 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'S BYLAWS AUTHORIZE THE BOARD TO DESIGNATE AN EXECUTIVE COMMITTEE WITH AUTHORITY TO ACT ON BEHALF OF THE BOARD. THE EXECUTIVE COMMITTEE IS REQUIRED TO REPORT ITS ACTIVITIES TO THE BOARD. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS PROVIDED TO AND REVIEWED BY THE BOARD PRIOR TO FILING WITH THE IRS. THE RETURN IS SIGNED BY THE ORGANIZATION'S TREASURER. 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.