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About DCRAC

Ensuring equitable access to legal and financial services
For more than 35 years, DCRAC's expert staff and volunteers have held the First State's big banks accountable and continues to work toward a Delaware in which everyone has the financial services they need to thrive.
Guidestar Profile

Ab​out the Community Reinvestment Act​

Enacted in 1977, the Community Reinvestment Act encourages banks to help meet the credit needs of their communities, especially in low- and moderate-income neighborhoods where residents may not have access to traditional banking establishments. The motivating force behind DCRAC’s founding, the CRA further enables advocates like us the opportunity to push public policy in the right direction and hold the big banks accountable.​

Our Partners

DCRAC’s relationships with community partners ensure we can connect every client to the right services, resources, and people. Our friends and neighbors include the University of Delaware Cooperative Extension, Delaware Division of Libraries, Taxpayer Advocate Service, Wilmington HOPE Commission, West End Neighborhood House, Central Baptist Community Development Corporation, Nehemiah Gateway Community Development Corporation, Legal Services Corporation of Delaware, and others.
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Our Team

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Rashmi Rangan
Exec. Director
302-298-3250
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Anthony Dohring
LITC Director
302-690-5000
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Jaclyn Quinn
Deputy Director
302-298-3251
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Carl Wagner
Attorney
302-230-2970
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Cristian Tijerino
Outreach Dir.
302-393-1607
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Luis Oquendo
IT Director
302-298-3252

DCRAC History

Founded in 1987 to leverage the Community Reinvestment Act in challenging Delaware’s powerful financial institutions, DCRAC today serves consumer finance needs across the board. As advocates, educators, counselors, lawyers, and credit union members, we push for changes that affect individuals’ financial lives but that help every Delawarean.
1987

1995

1997

1998

1999
DCRAC Founded

Credit Clinic established

Annual Celebrate CRA launched

Website launched

TV program debuted
2000

2002

2003

2003

2012
Bilingual staff added

Housing Clinic established

​Payday loan advocacy

Tax clinic established

​Stepping Stones FCU opens doors

Board & Sponsors

Our relationship with Delaware banks reaches back 30 years, and while rooted in controversy, it has blossomed into a partnership that we have come to value and rely upon.  We have aged well together. We want to thank our banking partners for their financial support of our programs. Over the years, Delaware Foundations, local, county, state and federal governments have been key contributors as have individuals who made significant cash contributions.
Al Griffith, Chair
Eric Smith, Vice Chair
Jan Slattery, Treasurer
Eray Guven, Secretary

​Lillian Harrison, Director
​Mary Horchos, Director

Mo Mahmood, Director
Lisa Spellman, Director
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...and so many in our community who help us in so many ways.

Annual Reports & Financial Filings

Fiscal Year Ending
 
 
 
​​June 30, 2018
Annual Report
Audit
​Form 990
​June 30, 2019
Annual Report
​Audit
​Form 990
​June 30, 2020
Annual Report
​Audit
Form 990 
June 30, 2021
Annual Report
Audit
Form 990
Members of the public have a right to inspect DCRAC documents that reside in the public domain without providing a reason. Documents may be reviewed in person at our office. Should you require copies and/or delivery of public documents, we recover our cost of reproduction at $0.15 cents per page and postage based on the mailing cost.

Please direct document requests to Rashmi Rangan
600 South Harrison Street, Wilmington, DE 19805
Tel: 302-298-3250, Fax: 866-718-8236, Email: rrangan@dcrac.org. 
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Please note: Client privacy, confidentiality, and grievance procedures apply to our efforts at openness and transparency.
  • Home
  • Money School
  • DCRAC Law
  • Stepping Stones
  • About Us
    • Get Started
    • Team DCRAC
    • History, Board, Sponsors
    • Annual Filings
    • Donate
    • DCRAC News