Maryland · Nonprofit
CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC
CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC (Maryland) receives grants from 7 organizations whose IRS filings report $3,907,276 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION ($2,538,870). 4 of them have funded it in more than one year.
- Revenue FY2023
- $2.5M
- Funders on record
- 7
- Grants received
- $3.9M
- Net assets
- $0
What Consumer Credit Counseling Service of Maryland and Delaware Inc does
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.
As stated on its FY2023 Form 990.
Program
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.
$2,468,016 spentof which $1,100,431 as grants$455,607 earned by the program100% of program spending
The program described on its FY2023 Form 990. Program spending in total: $2,468,016.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2022 to 2023, from $9.2M to $0 (−100%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 9% · 2018 17% · 2019 21% · 2020 38% · 2021 43% · 2022 76% · 2023 58%. Grants only. Government contracts and fees sit inside program revenue.
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 6 of the last 7 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Helene Raynaud
President, CEO
Board chair
William E Mills Iii
Board chair
As listed on its FY2023 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 1 funder to 4 funders, grant income rose $143k → $1.7M.
2 of 7 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 0% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC leans on a few funders — its largest provides 65% of grant income and the top three 97%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
99% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC.
Largest funder’s share by year: 2017 100% · 2018 100% · 2019 79% · 2020 75% · 2021 87% · 2022 76% · 2023 83% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC draws 100% of its grant income from funders outside Maryland, across 3 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $10k arriving through sponsors registered in 2 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Government funding CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $2.4M on record.
- Department of Housing and Urban Development$2.4M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Maryland
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
85% of spending goes to programs.
Governance
Public support
89%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 11 states
Screen this organization
A dated, signed PDF of the compliance screen for CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC?
- CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC (Maryland) receives grants from 7 organizations whose IRS filings report $3,907,276 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION ($2,538,870). 4 of them have funded it in more than one year.
- How many funders does CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC have?
- IRS filings report 7 organizations giving $3,907,276 in grants to CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC, 4 of which have funded it in more than one year.
- Who is the largest funder of CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC?
- NEIGHBORHOOD REINVESTMENT CORPORATION is the largest funder on record, with $2,538,870 in grants. The full list of funders is on this page.
- How can an organization like CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Maryland. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2023 (financials across 2017–2023), and the filings of 7 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing