Consumer Credit Counseling Service of Maryland and Delaware Inc
Consumer Credit Counseling Service of Maryland and Delaware Inc. was a public charity based in Columbia, Maryland, established in 1966 to provide financial and housing counseling and education. Its 2023 filing is marked as the organization’s final return, indicating that it appears to have wound down or stopped grantmaking.
Consumer Credit Counseling Service of Maryland and Delaware Inc at a glance
In short: Consumer Credit Counseling Service of Maryland and Delaware Inc gave $1.1M across 10 grants in 2023 (avg $110K), top state Texas. Source: 2023 IRS Form 990.
- Annual giving (2023)
- $1,100,428
- -28.5% vs 2022
- Grants made (2023)
- 10
- +11.1% vs 2022
- Average grant
- $110,043
- -35.7% vs 2022
- Median grant
- $20,242
- Primary geography
- Texas (45% of itemized 2023 grant dollars)
- Latest 990 filing
- Form 990, 2023 View filing
Data from IRS Form 990, 2023; updated September 2026.
How to apply to Consumer Credit Counseling Service of Maryland and Delaware Inc
- Contact
Mailing address: 6315 Hillside Ct Ste B, Columbia, MD 21046-3230
Phone: (443) 514-0600
Website: https://cccsmd.org
Application details from Grantable's research on the foundation's public materials; confirm on its website before applying.
Who Consumer Credit Counseling Service of Maryland and Delaware Inc funds
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2023
The largest 2023 recipient was Money Management International Inc ($490K). Together the top 10 received $1.1M.
Grant Size Distribution
29 grants across all recorded years
The most common grant size was under $50K: 17 grants of 29 (59%).
Geographic Focus
Where this funder awards grants
The reported 2023 grant dollars were distributed among recipients in Texas (45%), North Carolina (22%), Florida (18%), Arizona (9%), and New York (4%). The itemized grants also included recipients in Minnesota, Maryland, and Pennsylvania.
Grant Distribution by State
Share of 2023 grant dollars across all 10 itemized grants.
States
Cities
How Consumer Credit Counseling Service of Maryland and Delaware Inc gives
Estimate from itemized grant lists in IRS Form 990 filings (2023). Recipient names are matched across years, so a renamed or misspelled grantee can look new; grants to individuals are left out. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2019 to 2023, annual grant giving ranged from $40K (2019) to $1.5M (2022). In 2023 it made 10 grants totaling $1.1M.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Money Management International Inc Stafford, TX | Housing Stability | $490,295 |
| Consumer Education Services Inc Cesi Raleigh, NC | Comprehensive Housing/Housing Stability | $245,434 |
| Consumer Debt Counselors Winter Park, FL | Comprehensive Housing/Housing Stability | $193,920 |
| Takecharge Phoenix, AZ | Comprehensive Housing/Housing Stability | $95,950 |
| Parachute Credit Counseling West Seneca, NY | Comprehensive Housing/Housing Stability | $27,484 |
| Familymeans Stillwater, MN | Comprehensive Housing/Housing Stability | $13,000 |
| CCCS of Buffalo West Seneca, NY | Comprehensive Housing/Housing Stability | $12,342 |
| Reservoir Hill Improvement Council Baltimore, MD | Comprehensive Housing/Housing Stability | $10,234 |
| Services of Hope Dallas, TX | Comprehensive Housing/Housing Stability | $9,819 |
| Clarifi Philadelphia, PA | Housing Stability | $1,950 |
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Financial History
Multi-year comparison from IRS filings
— = not stated in the provided filing data.
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Net Investment Income |
|---|---|---|---|---|---|---|
| 2023 | — | $2,517,980 | $2,914,328 | $1,100,428 | 10 | $134,423 |
| 2022 | $9,200,973 | $2,793,129 | $3,939,021 | $1,539,189 | 9 | $27,208 |
| 2021 | $10,074,197 | $2,872,253 | $2,323,228 | $193,351 | 4 | $788,009 |
| 2020 | $9,406,278 | $2,233,827 | $2,606,283 | $264,774 | 4 | $88,244 |
| 2019 | $9,172,638 | $2,319,362 | $2,435,554 | $39,936 | 2 | $460,134 |
Research compiled by Grantable AI from public sources. Last updated September 2026.
Mission & Focus Areas
The organization stated its mission was “to improve the financial lives of the individuals and communities we serve.” Its filing describes credit counseling, debt management, community education, student loan counseling, credit building and rebuilding, and housing counseling.
Its 2023 grants included support for organizations working in financial counseling and education. For example, Consumer Debt Counselors Inc. describes its mission as providing financial literacy programs, low-cost or no-cost financial crisis counseling, and community financial counseling and education. Parachute Credit Counseling Inc. says its mission is to provide the community with strategies to master credit. FamilyMeans describes its work as helping individuals and families through challenges at all life stages. Reservoir Hill Improvement Council says it unites and empowers residents and organizations to act on issues affecting the Reservoir Hill community and neighboring Baltimore communities.
Grantmaking
In 2023, the organization reported 10 grants totaling $1,100,428. Grant amounts ranged from $1,950 to $490,295, with a median of $20,242. The largest grants were $490,295 to Money Management International Inc. for housing stability; $245,434 to Consumer Education Services Inc. for comprehensive housing and housing stability; $193,920 to Consumer Debt Counselors for comprehensive housing and housing stability; and $95,950 to TakeCharge for comprehensive housing and housing stability. Other listed recipients included Parachute Credit Counseling ($27,484), FamilyMeans ($13,000), CCCS of Buffalo ($12,342), Reservoir Hill Improvement Council ($10,234), Services of Hope ($9,819), and Clarifi ($1,950).
Leadership & Key People
Leadership team and compensation from IRS filings
The 2023 filing listed Helene Raynaud as president and CEO; Susan Fitz as vice president of counseling, program and compliance; Emily Hickox as vice president of marketing; Brian Taylor as secretary; William E. Mills III as board chair; and Milla Krasnopolsky as treasurer. It also listed Laurie Benner, Blake Allison, Rahn Barnes, and Justin Cousins as board members.
The filing states that Helene Raynaud and Susan Fitz were hired by successor organization Money Management International, Inc.; it identifies Raynaud as senior vice president, housing initiatives, and Fitz as vice president, housing initiatives. It also states that Emily Hickox was hired as director, storytelling.
Consumer Credit Counseling Service of Maryland and Delaware Inc is led by Helene Raynaud, President & CEO on every filing since 2019; 3 of 15 officers listed in 2023 are compensated.
Officers on the 2023 filing
Helene Raynaud
President & CEO
On filings since 2019
40 hrs/week
$247K (2019) → $200K (2023)
William E. Mills III
Board Chair
Board Member → Vice Chair, 2021
Vice Chair → Board Chair, 2023
On filings since 2019
0.5 hrs/week
No compensation reported
Susan Fitz
Vice President, Counseling, Program & Compliance
Vice President Counseling, Programs & Compliance → Vice President, Counseling, Program & Compliance, 2022
On filings since 2021
40 hrs/week
$108K (2021) → $108K (2023)
Emily Hickox
Vice President & Marketing
New on the 2023 filing
40 hrs/week
$105K (2023)
Benjamin Lowenthal
Board Member
On filings since 2019
0.5 hrs/week
No compensation reported
Blake Allison
Board Member
On filings since 2019
0.5 hrs/week
No compensation reported
Brian Taylor
Secretary
Vice Chair → Chairman, 2021
Chairman → Secretary, 2023
On filings since 2019
0.5 hrs/week
No compensation reported
Lauren Hughes
Board Member
On filings since 2019
0.5 hrs/week
No compensation reported
Laurie Benner
Board Member
Chairman → Secretary, 2021
Secretary → Board Member, 2023
On filings since 2019
0.5 hrs/week
No compensation reported
Rahn Barnes
Board Member
Secretary → Board Member, 2021
On filings since 2019
0.5 hrs/week
No compensation reported
Joyce Odongo
Board Vice Chair
Board Member → Board Vice Chair, 2023
On filings since 2021
0.5 hrs/week
No compensation reported
Gail Sanders
Board Member
On filings since 2022
0.5 hrs/week
No compensation reported
Justin Cousins
Board Member
On filings since 2022
0.5 hrs/week
No compensation reported
Milla Krasnopolsky
Treasurer
New on the 2023 filing
0.5 hrs/week
No compensation reported
Sarah Coffey Bowes
Board Member
New on the 2023 filing
0.5 hrs/week
No compensation reported
Former officers (4)
- Former: Natalie A. Trunow (2019–2022) — Treasurer
- Former: Kathleen Hyland (2019–2021) — Board Member
- Former: Tisa Silver Canady (2019–2021) — Board Member
- Former: Patricia Geddes (2019) — Vice President of Operations
Data from IRS Form 990 filings, 2019–2023. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2023 IRS filing
The highest reported compensation on the 2023 filing was $200K, to Helene Raynaud (President, CEO). 3 officers or directors reported compensation on that filing.
Frequently asked questions about Consumer Credit Counseling Service of Maryland and Delaware Inc
How much does Consumer Credit Counseling Service of Maryland and Delaware Inc give each year?
Consumer Credit Counseling Service of Maryland and Delaware Inc gave $1.1M across 10 grants in 2023, according to its 2023 IRS Form 990. In 2022 it gave $1.5M across 9 grants.
What is Consumer Credit Counseling Service of Maryland and Delaware Inc's typical grant size?
Consumer Credit Counseling Service of Maryland and Delaware Inc's median grant in 2023 was $20,242, and its average grant was $110,043, across 10 grants on its 2023 IRS Form 990.
Where does Consumer Credit Counseling Service of Maryland and Delaware Inc give grants?
Consumer Credit Counseling Service of Maryland and Delaware Inc's top state is Texas, with 45% of the grant dollars itemized on its 2023 IRS Form 990. The next largest states were North Carolina (22%) and Florida (18%). The most frequent recipient cities were West Seneca, NY (2 grants).
Does Consumer Credit Counseling Service of Maryland and Delaware Inc give general operating support?
Not in 2023: none of the 10 grants with a stated purpose on Consumer Credit Counseling Service of Maryland and Delaware Inc's 2023 IRS Form 990 were described as general or operating support. Recurring purposes include "Comprehensive Housing/Housing Stability" (8 grants).
Who are Consumer Credit Counseling Service of Maryland and Delaware Inc's largest grantees?
Consumer Credit Counseling Service of Maryland and Delaware Inc's largest 2023 grantees include Money Management International Inc ($490,295), Consumer Education Services Inc Cesi ($245,434) and Consumer Debt Counselors ($193,920), according to its 2023 IRS Form 990. Together they received 84% of its itemized 2023 grant dollars.
What does Consumer Credit Counseling Service of Maryland and Delaware Inc fund?
The organization stated its mission was “to improve the financial lives of the individuals and communities we serve.” Its filing describes credit counseling, debt management, community education, student loan counseling, credit building and rebuilding, and housing counseling. See mission & focus areas ↑
How do I apply for a grant from Consumer Credit Counseling Service of Maryland and Delaware Inc?
Consumer Credit Counseling Service of Maryland and Delaware Inc has no public application process in the sources Grantable reviewed. Check cccsmd.org for current guidelines, or contact the foundation directly before submitting a request.
What is Consumer Credit Counseling Service of Maryland and Delaware Inc's EIN?
Consumer Credit Counseling Service of Maryland and Delaware Inc's EIN (Employer Identification Number) is 52-0846275. IRS Form 990 filing data is available on this page for 2019–2023.
Data last updated September 2026. Sourced from IRS Form 990 filings. Research dossier generated September 2026.
Data update history
(6)
When this profile's IRS filing data changed on Grantable
- Added Form 990 for fiscal year 2019 (received by the IRS July 2, 2020)
- Updated Form 990 for fiscal year 2020 (received by the IRS August 30, 2021)
- Updated Form 990 for fiscal year 2021 (received by the IRS August 30, 2022)
- Updated Form 990 for fiscal year 2022 (received by the IRS October 16, 2023)
- Updated Form 990 for fiscal year 2023 (received by the IRS November 14, 2024)
- IRS filings on file for fiscal years 2020–2023
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