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CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC

EIN 52-0846275 COLUMBIA, MD

Revenue 2023
$2,517,980
Expenses 2023
$2,914,328

Program services were 84.7% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
Street
6315 HILLSIDE CT STE B

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2023

Mission

TO IMPROVE THE FINANCIAL LIVES OF THE INDIVIDUALS AND COMMUNITIES WE SERVE.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.

Activities or mission (Part I)

TO HELP STABILIZE COMMUNITIES BY CREATING HOPE AND PROMOTING ECONOMIC SELF-SUFFICIENCY.

  • 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. CCCSMD PROVIDES A FULL RANGE OF CREDIT COUNSELING, DEBT MANAGEMENT, COMMUNITY EDUCATION, STUDENT LOAN COUNSELING, CREDIT BUILDING/REBUILDING, HOUSING COUNSELING. OUR CERTIFIED COUNSELORS AND COACHES HELP CONSUMERS UNDERSTAND AND ALLEVIATE FINANCIAL AND HOUSING ISSUES AND GAIN FINANCIAL STABILITY.

    Expenses $2,468,016 · Grants $1,100,431 · Revenue $455,607

As filed on the 2023 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2023

As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Helene Raynaud

    PRESIDENT, CEO

    Total calculated
    $228,111
    From this org
    $200,102
    From related orgs
    $18,009
    Other
    $10,000
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $200,103
    Bonus
    not reported
    Other
    $10,000
    Deferred
    $18,009
    Nontaxable benefits
    not reported
    Filer's total
    $228,112

  • Susan Fitz

    VP, COUNSELING, PROGRAM & COMPLIANCE

    Total calculated
    $121,863
    From this org
    $107,843
    From related orgs
    $0
    Other
    $14,020
    Hours/week
    40

  • Emily Hickox

    VP, MARKETING

    Total calculated
    $110,739
    From this org
    $105,466
    From related orgs
    $0
    Other
    $5,273
    Hours/week
    40

  • Brian Taylor

    SECRETARY

    Total calculated
    $0
    Hours/week
    0.5

  • William E Mills III

    BOARD CHAIR

    Total calculated
    $0
    Hours/week
    0.5

  • Milla Krasnopolsky

    TREASURER

    Total calculated
    $0
    Hours/week
    0.5

  • Laurie Benner

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Blake Allison

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Rahn Barnes

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Justin Cousins

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Lauren Hughes

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Benjamin Lowenthal

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Joyce Odongo

    BOARD VICE CHAIR

    Total calculated
    $0
    Hours/week
    0.5

  • Gail Sanders

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

  • Sarah Coffey Bowes

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0.5

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2023
    Revenue
    $2,517,980
    Expenses
    $2,914,328
    Contributions
    $2,052,048
    Grants paid
    $1,026,163
  • 2022
    Revenue
    $2,793,129
    Expenses
    $3,939,021
    Contributions
    $2,466,402
    Grants paid
    $1,539,189

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $2,872,253
    Expenses
    $2,323,228
    Assets (EOY)
    $10,074,197

  • 2020 · 990

    Revenue
    $2,233,827
    Expenses
    $2,606,283
    Assets (EOY)
    $9,406,278

  • 2019 · 990

    Revenue
    $2,319,362
    Expenses
    $2,435,554
    Assets (EOY)
    $9,172,638

  • 2018 · 990

    Revenue
    $2,541,023
    Expenses
    $3,763,337
    Assets (EOY)
    $8,739,741

  • 2017 · 990

    Revenue
    $2,555,807
    Expenses
    $3,866,992
    Assets (EOY)
    $10,648,954

  • 2016 · 990

    Revenue
    $2,665,113
    Expenses
    $4,332,382
    Assets (EOY)
    $11,406,090

  • 2015 · 990

    Revenue
    $3,236,694
    Expenses
    $5,015,986
    Assets (EOY)
    $13,630,199

  • 2014 · 990

    Revenue
    $4,433,975
    Expenses
    $5,568,154
    Assets (EOY)
    $15,698,334

  • 2013 · 990

    Revenue
    $5,165,666
    Expenses
    $5,873,997
    Assets (EOY)
    $16,939,776

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $5,858,267
    Assets (EOY)
    $16,827,018

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

Grants received

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 29 October 2026, for every organization at once. Returns through tax year 2023, the newest we have parsed for this organization.