Founded in 1987, to advocate for equal access to credit and capital by testifying at bank merger hearings, DCRAC has come a long way.

One of the unique services we offer is our low income tax clinic. Not only are we the only ones in Delaware to provide access to representation before the IRS and the tax court, we also have a Spanish speaking clinic director to assist our growing Latino community statewide. All our services revolve around helping our clients deal with a creditor. When Uncle Sam is your debt collector, it is a little daunting. But, through our intervention, you realize that the world is not as unfair as you think it to be.

Today, with support from many of our financial partners, we have launched a community credit union. Again, Stepping Stones Community Federal Credit Union is something we Delawareans should take great pride in. Not only was this the only credit union chartered in the year 2011, it is also the only low-income community federal credit union in the state. It is not to say that we no longer comment on bank mergers. Bank merger hearings give us an audience we seldom have: CEOs of the merging banks, bank regulators, and the media. These hearings allow us to push public policy in the right direction AND to raise concerns with the merguing banks' practices that are injurious to the health of our community. At the other end of the spectrum, we work with our banking and community partners to bridge gaps in products and services.

In this housing crisis, we are doing more than bridging gaps. We, like our nonprofit housing counselors, are attempting to fix the mess that our regulators and financial systems have left behind. While we don't let the homeowners off too easily, but could a little old lady on the east side of Wilmington who bought a home cause the entire financial system to collapse? This kind of power comes from a deep rooted understanding of money. So, it should come as no surprise that since 1995, we have worked very diligently to inform and educate Delaweareans about the importance of credit scores. Our financial fitness program coupled with financial coaching helps Delawareans build their credit scores. We have also been the staunchest advocates for credit score reform. We testified at hearings on the use of credit scores in auto and home owners insurance. Our financial fitness classes are offered on the first three Saturdays (must attend all three) at our Wilmington office from 10 am to 1 pm. Prospective students don't have to register--just show up.

In addition to our very capable staff and volunteers who help us meet the day to day needs of our constituents who are fighting to stay financially afloat, it is our board of directors who set the agenda for excellence for us. Not surprising then that since 2007, we are the only non-profit in the state of Delaware to proudly display the seal of Standards for Excellence.

We reach out to you in hopes that you will learn about us, if you know someone who could use our help--refer them to us, if you have the time and expertise--consider volunteerism with us, and certainly, reach deep into your pockets and share your generosity with us. We shall not disappoint.





Quick Look at What's Happening at DCRAC

DCRAC applauds DoD's new rules to fight predatory lending.

Here's the WHYY Newsworks online write up of DCRAC's Pre-Purchase First Time Homebuyer program.

Check out the WHYY First story about DCRAC's Pre-Purchase First-Time Homebuyer program.

DCRAC is always looking for ways to work with our elected officials, this recent News Journal editorial highlights the latest example.

Check out how DCRAC grant from U.S. bishops’ CCHD helps Stepping Stones Community Federal Credit Union

Thank you for all your support! DCRAC's "Stand Up for Fair Lending and Rock with DCRAC" event at the World Cafe Live at the Queen was a tremendous success. Here was the News Journal op-ed we had to promote the event.

In this News Journal article, check out how out this how DCRAC teamed up with TD Bank to help a small business owner.

If you need more info about HB 286 and want to call your senator to let him or her know how you feel, click here.

Check out the HB 286 opposition letter from Rashmi Rangan and other community leaders from June 5th.

After collecting data for a year, here is the report to the Office of the State Bank Commissioner on payday lending in Delaware for 2013.

Learn how to avoid foreclosure scams, and talk to mortgage lenders and servicers at these two Delaware Housing Workshops: Monday, June 9th & Tuesday, June 10th. Click here for info.

DCRAC's Free Community BBQ is still on. Join us at 601 N. Church Street today from 11:30 am - 6:30 pm for some burgers and dogs.

DCRAC in the News Journal on May 3, 2014 Payday reform progress, but more needs to be done.

DCRAC Free Community BBQ on Friday, May 16th, 11:30 am to 6:30 pm.

Cape Gazette story of the DCRAC's Free Tax Clinic Workshops for Procrastinators

WHYY's Newsworks coverage of DCRAC's Free Tax Clinic Workshops for Procrastinators

DCRAC Free Tax Clinic Workshops for Procrastinators in Milford, 12 noon - 1:45 pm and Georgetown, 5:00 pm-6:45 pm on April 15th

Check out this profile of DCRAC volunteer attorney Jim Angus in the April issue of Delaware Beach Life magazine.

Do you want to buy a home? Attend the DSHA Homebuyer Fair on Saturday, April 5th from 8am to 4pm at the Chase Center on the Riverfront. Click here for info.

Worried about missing a mortgage payment? DCRAC will be on hand for the DE AG & DSHA's Delaware Housing Workshops on Saturday, March 22nd in Dover 9am - 1pm and Newark 3pm - 7pm. Click here for more info.

Check out Rashmi Rangan's Three Rules for Tax Season in the News Journal.

DCRAC will be hosting a free Tax Clinic Workshop in Wilmington at William Hicks Anderson Community Center on March 20th 12 noon to 1pm and 6pm to 7pm.

In February, DCRAC made the local press in the Milford Chronicle and Cape Gazette.

Rashmi Rangan and Jim Angus had this piece in the News Journal in January.

Hey folks, if you get a notice from the IRS, be sure and check out one of DCRAC's free tax workshops on April 15th. We'll have one in Milford and a second in Georgetown.

Happy New Year! Celebrate the new year with our Financial Fitness Series on the first three Saturdays of each month: January 4th, 11th & 18th; February 1st, 8th & 15th; March 1st, 8th & 15th; April 5th 12th & 19th. Our free classes a run from 10am to 1pm. Thanks to a grant from the Kenny Family Foundation, lunch is served at no charge.

New TELEPHONE Numbers at DCRAC! You can still reach us at the old numbers you have for us. You may get a message to hang up and call our new telephone number.

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