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About DCRAC

Standing for and working towards equality in credit and capital.

Who Is DCRAC?

DCRAC is a nonprofit working to transform financial lives for Delawareans through advocacy, education, legislation and outreach. Since 1987, they have operated with the mission to ensure equitable treatment and equal access to credit and capital.
Guidestar Profile
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Community Reinvestment Act​

The 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

Community Outreach

DCRAC 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.
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To get involved, please contact Rashmi Rangan using the button below. ​
Get involved
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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.
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Rashmi Rangan, Esq.
Executive Director
rrangan@dcrac.org
Office: 302-298-3250
Cell:  302-824-5219
Fax: 888-746-3530
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Luis Oquendo
IT Director
loquendo@DCRAC.ORG
T: 302-298-3252
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Anthony Dohring, Esq.
Free Tax Attorney
 Cell: 302-690-5000
Spanish: 302-393-1607
Fax: 866-422-5335
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Carl Wagner
Paralegal
cwagner@DCRAC.ORG
Office: 302-230-2970
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Jaclyn Quinn, Esq.
Deputy Director
jquinn@dcrac.org
Office: 302- 298-3251
Fax: 866-718-8236
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Cristian Tijerino
Outreach Director
​ctijerino@dcrac.org
Cell: 302-393-1607

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Giovanni Paredes
Public Ally
GParedes@dcrac.org

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

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.
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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.
Transforming Financial Lives!
  • Home
  • About
    • A Community Thrives
  • In Pictures
  • Get Started
  • Donate
  • Money School
  • DCRAC Law
  • Stepping Stones
  • News & Events
  • Self Study