About DCRAC
Standing for and working towards equality in credit and capital.
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Community Reinvestment ActThe Community Reinvestment Act is intended to encourage banks to help meet the credit needs of their communities, including low- and moderate-income neighborhoods. CRA allows us the opportunity to participate during bank merger hearings to push public policy in the right direction and to raise concerns with the merging banks' practices that can cause harm to our community
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Community OutreachDCRAC works throughout Delaware to raise awareness of the many service offerings available. We work with University of Delaware Cooperative Extension, Delaware Division of Libraries, Taxpayer Advocate Service, Wilmington HOPE Commission, West End Neighborhood House, Central Baptist CDC, Nehemiah Gateway CDC, Legal Services Corporation of Delaware, among other organizations.
To get involved, please contact Rashmi Rangan using the button below. |
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Our Team
Meet the team behind DCRAC. Our team members are here to help or point you toward those who can assist you further.
Rashmi Rangan, Esq. Executive Director 
Jasmine Lilly Money School Director JLILLY@DCRAC.ORG T: 302-298-3254 |
Anthony Dohring, Esq. Free Tax Attorney Cell: 302-690-5000 Spanish: 302-393-1607 Fax: 866-422-5335 
Garry Johnson Director of Fin Tech Strategies GJOHNSON@DCRAC.ORG Cell: 215-200-1715 |
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DCRAC History
Founded in 1987,
our early 6 years were all about Community Reinvestment Act challenges to Delaware Financial Institutions.
Today, we continue our work in consumer finance advocacy, restructured our credit and housing clinics to fall under Money School, and re-imagined Non-profit Law which includes the FREE Low Income Tax Clinic.
Stepping Stones Community Federal Credit Union is an independent, federally chartered and insured financial institution supported by team DCRAC!
Our first thirty years
our early 6 years were all about Community Reinvestment Act challenges to Delaware Financial Institutions.
Today, we continue our work in consumer finance advocacy, restructured our credit and housing clinics to fall under Money School, and re-imagined Non-profit Law which includes the FREE Low Income Tax Clinic.
Stepping Stones Community Federal Credit Union is an independent, federally chartered and insured financial institution supported by team DCRAC!
Our first thirty years
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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.
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Shondell Ayala
Jan Slattery Eric Smith Lisa Spellman |
AL Griffith, Board Chair
Eray Guven Mo Mahmood Lillian Harrison |
Mary Horchos
Chantel Vanderhost Domenic Pedante |
...and so many in our community who help us in so many ways.
Annual Reports & Financial Filings
Fiscal Year Ending |
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June 30, 2018 |
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June 30, 2019 |
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June 30, 2020 |
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June 30, 2021 |
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.
Please note: Client privacy, confidentiality, and grievance procedures apply to our efforts at openness and transparency.
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.
Please note: Client privacy, confidentiality, and grievance procedures apply to our efforts at openness and transparency.
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DCRAC provides all services at low or no cost without regard to race, color, national origin, religion, gender, familial status, disability, age, creed, source of income, marital status, or sexual orientation. Please contact us for accommodation requests.
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