Form990
Click to see attachment
Department of the Treasury
Internal Revenue Service
Return of Organization Exempt From Income Tax
Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except private foundations)
MediumBullet Do not enter Social Security numbers on this form as it may be made public. By law, the IRS
generally cannot redact the information on the form.
MediumBullet Information about Form 990 and its instructions is at www.IRS.gov/form990.
OMB No. 1545-0047
2013
Open to Public Inspection
A For the 2013 calendar year, or tax year beginning 01-01-2013 , 2013, and ending 12-31-2013
BCheck if applicable:
CName of organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Doing Business As
 
 
Number and street (or P.O. box if mail is not delivered to street address)
2000 M STREET NO 505
 
Room/suite
City or town, state or province, country, and ZIP or foreign postal code
WASHINGTON, DC20036
D Employer identification number

53-0132493
E Telephone number

G Gross receipts $ 20,444,368
F Name and address of principal officer:
SUSAN C KEATING
2000 M STREET NO 505
WASHINGTON,DC20036
I
Tax-exempt status: (   ) LeftBullet (insert no.) or
J
Website:MediumBullet
WWW.NFCC.ORG
H(a)
Is this a group return for
subordinates?
H(b)
Are all subordinates
included?
If "No," attach a list. (see instructions)
H(c)
Group exemption number MediumBullet  
K Form of organization:
 
L Year of formation: 1970
M State of legal domicile: DC
Part I
Summary
Activities & Governance 1 Briefly describe the organization’s mission or most significant activities: THE NFCC PROMOTES THE NATIONAL AGENDA FOR FINANCIALLY RESPONSIBLE BEHAVIOR AND BUILDS CAPACITY FOR ITS MEMBERS TO DELIVER THE HIGHEST QUALITY FINANCIAL EDUCATION AND COUNSELING SERVICES.
2 Check this box MediumBullet
3 Number of voting members of the governing body (Part VI, line 1a) ........ 3 15
4 Number of independent voting members of the governing body (Part VI, line 1b) ..... 4 15
5 Total number of individuals employed in calendar year 2013 (Part V, line 2a) ...... 5 21
6 Total number of volunteers (estimate if necessary) ............. 6 100
7a Total unrelated business revenue from Part VIII, column (C), line 12 ........ 7a 0
b Net unrelated business taxable income from Form 990-T, line 34 ......... 7b 0
Revenues Prior Year Current Year
8 Contributions and grants (Part VIII, line 1h) ......... 7,810,491 16,464,984
9 Program service revenue (Part VIII, line 2g) ......... 3,864,143 3,961,918
10 Investment income (Part VIII, column (A), lines 3, 4, and 7d ) .... 949 -132,182
11 Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e) 14,932 17,246
12 Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)................... 11,690,515 20,311,966
Expenses; 13 Grants and similar amounts paid (Part IX, column (A), lines 1–3 )... 6,923,092 6,832,007
14 Benefits paid to or for members (Part IX, column (A), line 4)..... 0 0
15 Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10) 1,913,407 2,070,949
16a Professional fundraising fees (Part IX, column (A), line 11e)..... 0 0
b Total fundraising expenses (Part IX, column (D), line 25) MediumBullet130,887    
17 Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e).... 2,819,079 3,983,501
18 Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25) 11,655,578 12,886,457
19 Revenue less expenses. Subtract line 18 from line 12....... 34,937 7,425,509
Net Assets or Fund Balances; Beginning of Current Year End of Year
20 Total assets (Part X, line 16)............. 6,390,232 13,861,619
21 Total liabilities (Part X, line 26)............. 4,736,521 4,782,399
22 Net assets or fund balances. Subtract line 21 from line 20..... 1,653,711 9,079,220
Part II
Signature Block
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than officer) is based on all information of which preparer has any knowledge.
Sign Here
JumboBullet
Signature of officer Date
JumboBullet
Type or print name and title
Paid Preparer Use Only
Print/Type preparer's name
Preparer's signature
Date
PTIN
Firm's name MediumBullet

Firm's EIN MediumBullet
Firm's address MediumBullet



Phone no.
May the IRS discuss this return with the preparer shown above? (see instructions) ............
For Paperwork Reduction Act Notice, see the separate instructions.
Cat. No. 11282Y
Form 990 (2013)
Form 990 (2013)
Page 2
Part III
Statement of Program Service Accomplishments
Check if Schedule O contains a response or note to any line in this Part III ..............
1
Briefly describe the organization’s mission: TO PROMOTE THE NATIONAL AGENDA FOR FINANCIALLY RESPONSIBLE BEHAVIOR AND BUILD CAPACITY FOR ITS MEMBERS TO DELIVER THE HIGHEST QUALITY FINANCIAL EDUCATION AND COUNSELING SERVICES. (PLEASE NOTE THAT THIS STATEMENT IS CONTINUED ON SCHEDULE O)THE NFCC IS THE NATION'S LARGEST AND LONGEST SERVING NATIONAL NONPROFIT CREDIT COUNSELING NETWORK, WITH NEARLY 90 MEMBER AGENCIES AND OVER 700 OFFICES IN COMMUNITIES THROUGHOUT THE COUNTRY. EACH YEAR, NFCC MEMBERS ASSIST MILLIONS OF CONSUMERS, HELPING MANY TO DRIVE DOWN THEIR DEBT AND TAKE CONTROL OF THEIR FINANCES.
2
Did the organization undertake any significant program services during the year which were not listed on
the prior Form 990 or 990-EZ? ......................
If "Yes," describe these new services on Schedule O.
3
Did the organization cease conducting, or make significant changes in how it conducts, any program services? ............................
If "Yes," describe these changes on Schedule O.
4
Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. Section 501(c)(3) and 501(c)(4) organizations are required to report the amount of grants and allocations to others, the total expenses, and revenue, if any, for each program service reported.
4a (Code:   ) (Expenses $ 5,356,682 including grants of $ 4,278,760 ) (Revenue $   )
HOUSING: PROVIDES FEDERAL GRANT FUNDING TO MEMBER AGENCIES TO PROVIDE INDIVIDUAL AND GROUP EDUCATIONAL SESSIONS ON A WIDE VARIETY OF HOUSING ISSUES TO CONSUMERS NEEDING ASSISTANCE SEEKING, FINANCING, MAINTAINING, RENTING, OR OWNING A HOME.
4b (Code:   ) (Expenses $ 4,287,606 including grants of $ 2,553,247 ) (Revenue $ 1,132,345 )
EDUCATIONAL SERVICES: PROVIDES EDUCATION TO CONSUMERS IN THE AREAS OF PRE-FILING BANKRUPTCY COUNSELING AND PRE-DISCHARGE EDUCATION. PROVIDES CERTIFICATION TRAINING TO MEMBER AGENCY STAFF ON A VARIETY OF FINANCIAL, BUDGET, HOUSING, BANKRUPTCY, AND CONSUMER PROTECTION ISSUES. DURING 2013, THE FOUNDATION LAUNCHED THE "SHARPEN YOUR FINANCIAL FOCUS" INITIATIVE IN ORDER TO ASSIST CONSUMERS WITH IDENTIFYING AND SOLVING THEIR MOST PRESSING FINANCIAL ISSUES. EXPENSES RELATED TO THIS INITIATIVE ARE INCLUDED WITHIN THIS PROGRAM AREA.
4c (Code:   ) (Expenses $ 365,717 including grants of $   ) (Revenue $ 1,524,720 )
MEMBER SERVICES: PROVIDES MEMBER COMMUNICATIONS INCLUDING VISITS TO MEMBER AGENCIES, MEMBER MEETINGS AND CONFERENCES, PUBLICATIONS OF NEWSLETTERS, AND MAINTENANCE OF IMPORTANT MEMBER INFORMATION THROUGH THE MEMBERS-ONLY SECTION OF THE FOUNDATION'S WEBSITE.
(Code:   ) (Expenses $ 345,973 including grants of $   ) (Revenue $ 302,287 )
ANNUAL CONFERENCE: PROVIDES MEMBERS, KEY PARTNERS AND STAKEHOLDERS WITH INFORMATION ON OPPORTUNITIES AND CHALLENGES BOTH WITHIN THE CREDIT COUNSELING AND FINANCIAL EDUCATION SECTORS. PROVIDES CONTINUING EDUCATION OPPORTUNITIES, A FORUM TO HONOR OUTSTANDING ACHIEVEMENTS, DISCUSS THE FOUNDATION'S STRATEGIC DIRECTION, AND VOICE OPINIONS AND VOTE ON THE GENERAL OPERATIONS AND LEADERSHIP OF THE FOUNDATION.
(Code:   ) (Expenses $ 235,376 including grants of $   ) (Revenue $ 907,786 )
NATIONAL LOCATOR SERVICES: PROVIDES INFORMATION AND MEMBER AGENCY LOCATION ASSISTANCE TO CONSUMERS BOTH ONLINE THROUGH THE ONLINE COUNSELING APPLICATION AND TELEPHONICALLY THROUGH THE TOLL-FREE NATIONAL LOCATOR LINE.
(Code:   ) (Expenses $ 359,984 including grants of $   ) (Revenue $   )
PUBLIC AWARENESS: PROVIDES FINANCIAL, CREDIT, HOUSING, AND BANKRUPTCY INFORMATION TO THE GENERAL PUBLIC. PROMOTES AWARENESS OF THE FOUNDATION'S MISSION AND SERVICES THROUGH THE WEBSITE, PUBLIC SERVICE ANNOUNCEMENTS, AND OTHER ACTIVITIES INCLUDING PRESS RELEASES TO THE MEDIA.
(Code:   ) (Expenses $ 209,511 including grants of $   ) (Revenue $   )
CREDITOR RELATIONS: DEVELOP AND MAINTAIN RELATIONSHIPS WITH CREDIT GRANTING ORGANIZATIONS TO ENSURE CONTINUED SUPPORT OF CLIENTS AND MEMBER AGENCIES.
(Code:   ) (Expenses $ 52,244 including grants of $   ) (Revenue $   )
STRATEGIC: DEVELOP OVERALL ORGANIZATIONAL DIRECTION TO ADDRESS THE CHANGING NEEDS OF THE FOUNDATION'S MEMBERS AND THE PUBLIC.
(Code:   ) (Expenses $ 39,300 including grants of $   ) (Revenue $   )
MILITARY ONESOURCE: PROVIDE COUNSELING ASSISTANCE TO MEMBERS OF THE MILITARY THROUGH THE FOUNDATION'S MEMBER AGENCIES.
(Code:   ) (Expenses $ 33,967 including grants of $   ) (Revenue $ 94,780 )
PUBLICATIONS: PROVIDES INFORMATIONAL AND EDUCATIONAL MATERIALS TO ASSIST MEMBER AGENCIES IN EDUCATION AND COUNSELING.
(Code:   ) (Expenses $ 22,725 including grants of $   ) (Revenue $   )
LEGISLATIVE AFFAIRS: ACTIVITIES DEFINED BY SECTION 501 (H).
4d Other program services (Describe in Schedule O.)
(Expenses $ 1,299,080 including grants of $   ) (Revenue $ 1,304,853 )
4e Total program service expensesMediumBullet11,309,085
Form 990 (2013)
Form 990 (2013)
Page 3
Part IV
Checklist of Required Schedules
Yes
No
1
Is the organization described in section 501(c)(3) or 4947(a)(1) (other than a private foundation)? If "Yes," complete Schedule AClick to see attachment........................
1
Yes
 
2
Is the organization required to complete Schedule B, Schedule of Contributors (see instructions)? Click to see attachment...
2
Yes
 
3
Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to candidates for public office? If "Yes," complete Schedule C, Part IClick to see attachment..........
3
 
No
4
Section 501(c)(3) organizations. Did the organization engage in lobbying activities, or have a section 501(h) election in effect during the tax year? If "Yes," complete Schedule C, Part IIClick to see attachment........
4
Yes
 
5
Is the organization a section 501(c)(4), 501(c)(5), or 501(c)(6) organization that receives membership dues, assessments, or similar amounts as defined in Revenue Procedure 98-19? If "Yes," complete Schedule C,
Part IIIClick to see attachment............................
5
 
No
6
Did the organization maintain any donor advised funds or any similar funds or accounts for which donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts? If "Yes," complete Schedule D, Part IClick to see attachment........................
6
 
No
7
Did the organization receive or hold a conservation easement, including easements to preserve open space,
the environment, historic land areas, or historic structures? If "Yes," complete Schedule D, Part IIClick to see attachment...
7
 
No
8
Did the organization maintain collections of works of art, historical treasures, or other similar assets? If "Yes," complete Schedule D, Part III Click to see attachment....................
8
 
No
9
Did the organization report an amount in Part X, line 21 for escrow or custodial account liability; serve as a custodian for amounts not listed in Part X; or provide credit counseling, debt management, credit repair, or debt negotiation services? If "Yes," complete Schedule D, Part IVClick to see attachment..............
9
 
No
10
Did the organization, directly or through a related organization, hold assets in temporarily restricted endowments, permanent endowments, or quasi-endowments? If "Yes," complete Schedule D, Part VClick to see attachment......
10
 
No
11
If the organization’s answer to any of the following questions is "Yes," then complete Schedule D, Parts VI, VII, VIII, IX, or X as applicable.
a
Did the organization report an amount for land, buildings, and equipment in Part X, line 10?
If "Yes," complete Schedule D, Part VI.Click to see attachment...................
11a
Yes
 
b
Did the organization report an amount for investments—other securities in Part X, line 12 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VIIClick to see attachment.......
11b
 
No
c
Did the organization report an amount for investments—program related in Part X, line 13 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VIIIClick to see attachment.......
11c
 
No
d
Did the organization report an amount for other assets in Part X, line 15 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part IXClick to see attachment............
11d
 
No
e
Did the organization report an amount for other liabilities in Part X, line 25? If "Yes," complete Schedule D, Part XClick to see attachment
11e
Yes
 
f
Did the organization’s separate or consolidated financial statements for the tax year include a footnote that addresses the organization’s liability for uncertain tax positions under FIN 48 (ASC 740)? If "Yes," complete Schedule D, Part XClick to see attachment.........................
11f
Yes
 
12a
Did the organization obtain separate, independent audited financial statements for the tax year?
If "Yes," complete Schedule D, Parts XI and XII Click to see attachment.................
12a
Yes
 
b
Was the organization included in consolidated, independent audited financial statements for the tax year? If "Yes," and if the organization answered "No" to line 12a, then completing Schedule D, Parts XI and XII is optional Click to see attachment
12b
 
No
13
Is the organization a school described in section 170(b)(1)(A)(ii)? If "Yes," complete Schedule E....
13
 
No
14a
Did the organization maintain an office, employees, or agents outside of the United States?.....
14a
 
No
b
Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising, business, investment, and program service activities outside the United States, or aggregate foreign investments valued at $100,000 or more? If "Yes," complete Schedule F, Parts I and IV.........
14b
 
No
15
Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or other assistance to or for any foreign organization? If “Yes,” complete Schedule F, Parts II and IV
15
 
No
16
Did the organization report on Part IX, column (A), line 3, more than $5,000 of aggregate grants or other assistance to or for foreign individuals? If “Yes,” complete Schedule F, Parts III and IV...
16
 
No
17
Did the organization report a total of more than $15,000 of expenses for professional fundraising services on Part IX, column (A), lines 6 and 11e? If "Yes," complete Schedule G, Part I (see instructions)....
17
 
No
18
Did the organization report more than $15,000 total of fundraising event gross income and contributions on Part VIII, lines 1c and 8a? If "Yes," complete Schedule G, Part II............
18
 
No
19
Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a? If "Yes," complete Schedule G, Part III...................
19
 
No
20a
Did the organization operate one or more hospital facilities? If "Yes," complete Schedule H....
20a
 
No
b
If "Yes" to line 20a, did the organization attach a copy of its audited financial statements to this return?
20b
 
 
Form 990 (2013)
Form 990 (2013)
Page 4
Part IV
Checklist of Required Schedules (continued)
21
Did the organization report more than $5,000 of grants or other assistance to any domestic organization or government on Part IX, column (A), line 1? If “Yes,” complete Schedule I, Parts I and II... Click to see attachment
21
Yes
 
22
Did the organization report more than $5,000 of grants or other assistance to individuals in the United States on Part IX, column (A), line 2? If “Yes,” complete Schedule I, Parts I and III........ Click to see attachment
22
 
No
23
Did the organization answer "Yes" to Part VII, Section A, line 3, 4, or 5 about compensation of the organization’s current and former officers, directors, trustees, key employees, and highest compensated employees? If "Yes," complete Schedule J....................... Click to see attachment
23
Yes
 
24a
Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than $100,000 as of the last day of the year, that was issued after December 31, 2002? If “Yes,” answer lines 24b through 24d and complete Schedule K. If “No,” go to line 25a................
24a
 
No
b
Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception?...
24b
 
 
c
Did the organization maintain an escrow account other than a refunding escrow at any time during the year
to defease any tax-exempt bonds?......................
24c
 
 
d
Did the organization act as an "on behalf of" issuer for bonds outstanding at any time during the year?...
24d
 
 
25a
Section 501(c)(3) and 501(c)(4) organizations. Did the organization engage in an excess benefit transaction with a disqualified person during the year? If "Yes," complete Schedule L, Part I........
25a
 
No
b
Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prior year, and that the transaction has not been reported on any of the organization’s prior Forms 990 or 990-EZ? If "Yes," complete Schedule L, Part I...................
25b
 
No
26
Did the organization report any amount on Part X, line 5, 6, or 22 for receivables from or payables to any current or former officers, directors, trustees, key employees, highest compensated employees, or disqualified persons? If so, complete Schedule L, Part II....................
26
 
No
27
Did the organization provide a grant or other assistance to an officer, director, trustee, key employee, substantial contributor or employee thereof, a grant selection committee member, or to a 35% controlled entity or family member of any of these persons? If "Yes," complete Schedule L, Part III.........
27
 
No
28
Was the organization a party to a business transaction with one of the following parties (see Schedule L, Part IV instructions for applicable filing thresholds, conditions, and exceptions):
a
A current or former officer, director, trustee, or key employee? If "Yes," complete Schedule L, Part IV ..........................
28a
 
No
b
A family member of a current or former officer, director, trustee, or key employee? If "Yes,"
complete Schedule L, Part IV.....................
28b
 
No
c
An entity of which a current or former officer, director, trustee, or key employee (or a family member thereof) was an officer, director, trustee, or direct or indirect owner? If "Yes," complete Schedule L, Part IV...
28c
 
No
29
Did the organization receive more than $25,000 in non-cash contributions? If "Yes," complete Schedule M..
29
 
No
30
Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified conservation contributions? If "Yes," complete Schedule M.............
30
 
No
31
Did the organization liquidate, terminate, or dissolve and cease operations? If "Yes," complete Schedule N,
Part I...........................
31
 
No
32
Did the organization sell, exchange, dispose of, or transfer more than 25% of its net assets? If "Yes," complete Schedule N, Part II......................
32
 
No
33
Did the organization own 100% of an entity disregarded as separate from the organization under Regulations sections 301.7701-2 and 301.7701-3? If "Yes," complete Schedule R, Part I........
33
 
No
34
Was the organization related to any tax-exempt or taxable entity? If "Yes," complete Schedule R, Part II, III, or IV, and Part V, line 1........................
34
 
No
35a
Did the organization have a controlled entity within the meaning of section 512(b)(13)?
35a
 
No
b
If ‘Yes’ to line 35a, did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of section 512(b)(13)? If "Yes," complete Schedule R, Part V, line 2...
35b
 
 
36
Section 501(c)(3) organizations. Did the organization make any transfers to an exempt non-charitable related organization? If "Yes," complete Schedule R, Part V, line 2.............
36
 
No
37
Did the organization conduct more than 5% of its activities through an entity that is not a related organization and that is treated as a partnership for federal income tax purposes? If "Yes," complete Schedule R, Part VI
37
 
No
38
Did the organization complete Schedule O and provide explanations in Schedule O for Part VI, lines 11b and 19? Note. All Form 990 filers are required to complete Schedule O. ............
38
Yes
 
Form 990 (2013)
Form 990 (2013)
Page 5
Part V
Statements Regarding Other IRS Filings and Tax Compliance
Check if Schedule O contains a response or note to any line in this Part V ..............
Yes
No
1a
Enter the number reported in Box 3 of Form 1096 Enter -0- if not applicable ..
1a
7
b
Enter the number of Forms W-2G included in line 1a. Enter -0- if not applicable .
1b
0
c
Did the organization comply with backup withholding rules for reportable payments to vendors and reportable gaming (gambling) winnings to prize winners? ..................
1c
Yes
 
2a
Enter the number of employees reported on Form W-3, Transmittal of Wage and
Tax Statements, filed for the calendar year ending with or within the year covered by this return ..................
2a
21
b
If at least one is reported on line 2a, did the organization file all required federal employment tax returns?
Note. If the sum of lines 1a and 2a is greater than 250, you may be required to e-file (see instructions)
2b
Yes
 
3a
Did the organization have unrelated business gross income of $1,000 or more during the year?...
3a
 
No
b
If “Yes,” has it filed a Form 990-T for this year? If “No” to line 3b, provide an explanation in Schedule O...
3b
 
 
4a
At any time during the calendar year, did the organization have an interest in, or a signature or other authority over, a financial account in a foreign country (such as a bank account, securities account, or other financial account)?..........................
4a
 
No
b
If "Yes," enter the name of the foreign country: MediumBullet
See instructions for filing requirements for Form TD F 90-22.1, Report of Foreign Bank and Financial Accounts.
5a
Was the organization a party to a prohibited tax shelter transaction at any time during the tax year?..
5a
 
No
b
Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?
5b
 
No
c
If "Yes," to line 5a or 5b, did the organization file Form 8886-T? ............
5c
 
 
6a
Does the organization have annual gross receipts that are normally greater than $100,000, and did the organization solicit any contributions that were not tax deductible as charitable contributions?...
6a
 
No
b
If "Yes," did the organization include with every solicitation an express statement that such contributions or gifts were not tax deductible?........................
6b
 
 
7
Organizations that may receive deductible contributions under section 170(c).
a
Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods and services provided to the payor?....................
7a
 
No
b
If "Yes," did the organization notify the donor of the value of the goods or services provided?.....
7b
 
 
c
Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was required to file Form 8282?...........................
7c
 
No
d
If "Yes," indicate the number of Forms 8282 filed during the year ....
7d
 
e
Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract?............................
7e
 
No
f
Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract?..
7f
 
No
g
If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required?............................
7g
 
 
h
If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C?..........................
7h
 
 
8
Sponsoring organizations maintaining donor advised funds and section 509(a)(3) supporting organizations. Did the supporting organization, or a donor advised fund maintained by a sponsoring organization, have excess business holdings at any time during the year?............
8
 
 
9
Sponsoring organizations maintaining donor advised funds.
a
Did the organization make any taxable distributions under section 4966?..........
9a
 
 
b
Did the organization make a distribution to a donor, donor advisor, or related person?.......
9b
 
 
10
Section 501(c)(7) organizations. Enter:
a
Initiation fees and capital contributions included on Part VIII, line 12 ...
10a
 
b
Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities
10b
 
11
Section 501(c)(12) organizations. Enter:
a
Gross income from members or shareholders .........
11a
 
b
Gross income from other sources (Do not net amounts due or paid to other sources against amounts due or received from them.) ..........
11b
 
12a
Section 4947(a)(1) non-exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041?
12a
 
 
b
If "Yes," enter the amount of tax-exempt interest received or accrued during the year. ....................
12b
 
13
Section 501(c)(29) qualified nonprofit health insurance issuers.
a
Is the organization licensed to issue qualified health plans in more than one state?
Note. See the instructions for additional information the organization must report on Schedule O.
13a
 
 
b
Enter the amount of reserves the organization is required to maintain by the states in which the organization is licensed to issue qualified health plans ....
13b
 
c
Enter the amount of reserves on hand ............
13c
 
14a
Did the organization receive any payments for indoor tanning services during the tax year?.....
14a
 
No
b
If "Yes," has it filed a Form 720 to report these payments? If "No," provide an explanation in Schedule O..
14b
 
 
Form 990 (2013)
Form 990 (2013)
Page 6
Part VI
Governance, Management, and Disclosure For each "Yes" response to lines 2 through 7b below, and for a "No" response to lines 8a, 8b, or 10b below, describe the circumstances, processes, or changes in Schedule O. See instructions.
Check if Schedule O contains a response or note to any line in this Part VI ..............
Section A. Governing Body and Management
Yes
No
1a
Enter the number of voting members of the governing body at the end of the tax year .....................
1a
15
If there are material differences in voting rights among members of the governing body, or if the governing body delegated broad authority to an executive committee or similar committee, explain in Schedule O.
b
Enter the number of voting members included in line 1a, above, who are independent ...................
1b
15
2
Did any officer, director, trustee, or key employee have a family relationship or a business relationship with any other officer, director, trustee, or key employee? .................
2
 
No
3
Did the organization delegate control over management duties customarily performed by or under the direct supervision of officers, directors or trustees, or key employees to a management company or other person? .
3
 
No
4
Did the organization make any significant changes to its governing documents since the prior Form 990 was filed? ...........................
4
 
No
5
Did the organization become aware during the year of a significant diversion of the organization’s assets? .
5
 
No
6
Did the organization have members or stockholders? ................
6
Yes
 
7a
Did the organization have members, stockholders, or other persons who had the power to elect or appoint one or more members of the governing body? ....................
7a
Yes
 
b
Are any governance decisions of the organization reserved to (or subject to approval by) members, stockholders, or persons other than the governing body? ...................
7b
Yes
 
8
Did the organization contemporaneously document the meetings held or written actions undertaken during the year by the following:
a
The governing body? .........................
8a
Yes
 
b
Each committee with authority to act on behalf of the governing body? ............
8b
Yes
 
9
Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached at the organization’s mailing address? If "Yes," provide the names and addresses in Schedule O.......
9
 
No
Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Code.)
Yes
No
10a
Did the organization have local chapters, branches, or affiliates? ............
10a
 
No
b
If "Yes," did the organization have written policies and procedures governing the activities of such chapters, affiliates, and branches to ensure their operations are consistent with the organization's exempt purposes?
10b
 
 
11a
Has the organization provided a complete copy of this Form 990 to all members of its governing body before filing the form? ............................
11a
Yes
 
b
Describe in Schedule O the process, if any, used by the organization to review this Form 990. .....
12a
Did the organization have a written conflict of interest policy? If "No," go to line 13.......
12a
Yes
 
b
Were officers, directors, or trustees, and key employees required to disclose annually interests that could give rise to conflicts? ..........................
12b
Yes
 
c
Did the organization regularly and consistently monitor and enforce compliance with the policy? If "Yes," describe in Schedule O how this was done.......................
12c
Yes
 
13
Did the organization have a written whistleblower policy? ...............
13
Yes
 
14
Did the organization have a written document retention and destruction policy? .........
14
Yes
 
15
Did the process for determining compensation of the following persons include a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision?
a
The organization’s CEO, Executive Director, or top management official ...........
15a
Yes
 
b
Other officers or key employees of the organization ................
15b
Yes
 
If "Yes" to line 15a or 15b, describe the process in Schedule O (see instructions).
16a
Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement with a taxable entity during the year? ......................
16a
 
No
b
If "Yes," did the organization follow a written policy or procedure requiring the organization to evaluate its participation in joint venture arrangements under applicable federal tax law, and take steps to safeguard the organization’s exempt status with respect to such arrangements? ............
16b
 
 
Section C. Disclosure
17
List the States with which a copy of this Form 990 is required to be filedMediumBullet
NY
18
Section 6104 requires an organization to make its Form 1023 (or 1024 if applicable), 990, and 990-T (501(c)(3)s only) available for public inspection. Indicate how you made these available. Check all that apply.
19
Describe in Schedule O whether (and if so, how) the organization made its governing documents, conflict of interest policy, and financial statements available to the public during the tax year.
20
State the name, physical address, and telephone number of the person who possesses the books and records of the organization:
MediumBulletNATIONAL FOUNDATION FOR CREDIT COUNSELING INC2000 M STREET NO 505WASHINGTONDC20036 (202) 677-4300
Form 990 (2013)
Form 990 (2013)
Page 7
Part VII
Compensation of Officers, Directors,Trustees, Key Employees, Highest Compensated Employees, and Independent Contractors
Check if Schedule O contains a response or note to any line in this Part VII ..............
Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees
1a Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within the organization’s tax year.
RoundBullet List all of the organization’s current officers, directors, trustees (whether individuals or organizations), regardless of amount
of compensation. Enter -0- in columns (D), (E), and (F) if no compensation was paid.

RoundBullet List all of the organization’s current key employees, if any. See instructions for definition of "key employee."
RoundBullet List the organization’s five current highest compensated employees (other than an officer, director, trustee or key employee)
who received reportable compensation (Box 5 of Form W-2 and/or Box 7 of Form 1099-MISC) of more than $100,000 from the
organization and any related organizations.

RoundBullet List all of the organization’s former officers, key employees, or highest compensated employees who received more than $100,000
of reportable compensation from the organization and any related organizations.

RoundBullet List all of the organization’s former directors or trustees that received, in the capacity as a former director or trustee of the
organization, more than $10,000 of reportable compensation from the organization and any related organizations.

List persons in the following order: individual trustees or directors; institutional trustees; officers; key employees; highest
compensated employees; and former such persons.
Check this box if neither the organization nor any related organization compensated any current officer, director, or trustee.
(A)
Name and Title 		(B)
Average hours per week (list any hours for related organizations below dotted line) 		(C)
Position (do not check more than one box, unless person is both an officer and a director/trustee) 		(D)
Reportable compensation from the organization (W- 2/1099-MISC) 		(E)
Reportable compensation from related organizations (W- 2/1099-MISC) 		(F)
Estimated amount of other compensation from the organization and related organizations
Individual Trustee or Director; Institutional Trustee; OfficerInd; Key Employee; Highest compensated employee; FormerOfcrDirectorTrusteeInd;
(1) CATHERINE A ALLEN........................................................................
CHAIR
 1.00
.......................   		X   X       0 0 0
(2) DAWN LOCKHART........................................................................
VICE CHAIR
 1.00
.......................   		X   X       0 0 0
(3) KEVIN A RHEIN........................................................................
TREASURER
 1.00
.......................   		X   X       0 0 0
(4) NELSON A DIAZ ESQ........................................................................
SECRETARY
 1.00
.......................   		X   X       0 0 0
(5) MICHAEL ROBARDS........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(6) RICHARD S LEVICK ESQ........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(7) CHRISTOPHER HONENBERGER........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(8) TOM JACOBSON........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(9) JAMES P KROENING........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(10) DONALD LEU........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(11) DR BRADY J DEATON........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(12) ROBERT L CLARKE........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(13) JEAN CHATZKY........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(14) DR CHARLES P BLAHOUS III........................................................................
TRUSTEE
 1.00
.......................   		X           0 0 0
(15) SUSAN C KEATING........................................................................
PRESIDENT & CEO
 50.00
.......................   		    X       376,528 0 39,065
(16) DEBRA ADLIS........................................................................
CHIEF FINANCIAL OFFICER
 50.00
.......................   		    X       143,363 0 29,589
(17) JESSICA WHIAT........................................................................
VP CREDITOR RELATIONS
 50.00
.......................   		        X   118,732 0 10,192
Form 990 (2013)
Form 990 (2013)
Page 8
Part VII
Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees (continued)
(A)
Name and Title 		(B)
Average hours per week (list any hours for related organizations below dotted line) 		(C)
Position (do not check more than one box, unless person is both an officer and a director/trustee) 		(D)
Reportable compensation from the organization (W- 2/1099-MISC) 		(E)
Reportable compensation from related organizations (W- 2/1099-MISC) 		(F)
Estimated amount of other compensation from the organization and related organizations
Individual Trustee or Director; Institutional Trustee; OfficerInd; Key Employee; Highest compensated employee; FormerOfcrDirectorTrusteeInd;
(18) GAIL CUNNINGHAM........................................................................
VP COMMUNICATIONS
 50.00
.......................   		        X   105,257 0 6,464
(19) MICHELE O'DONNELL........................................................................
CONTROLLER
 50.00
.......................   		        X   123,041 0 4,304
(20) HELENE RAYNAUD........................................................................
CHIEF OPERATING OFFICER
 50.00
.......................   		        X   136,036 0 22,298




















1b Sub-Total................MediumBullet
c Total from continuation sheets to Part VII, Section A....MediumBullet
d Total (add lines 1b and 1c)............MediumBullet 1,002,957 0 111,912
2
Total number of individuals (including but not limited to those listed above) who received more than $100,000 of reportable compensation from the organizationMediumBullet6
Yes
No
3
Did the organization list any former officer, director or trustee, key employee, or highest compensated employee on line 1a? If "Yes," complete Schedule J for such individual ..............
3
 
No
4
For any individual listed on line 1a, is the sum of reportable compensation and other compensation from the organization and related organizations greater than $150,000? If "Yes," complete Schedule J for such individual...........................
4
Yes
 
5
Did any person listed on line 1a receive or accrue compensation from any unrelated organization or individual for services rendered to the organization? If "Yes," complete Schedule J for such person ........
5
 
No
Section B. Independent Contractors
1
Complete this table for your five highest compensated independent contractors that received more than $100,000 of compensation from the organization. Report compensation for the calendar year ending with or within the organization’s tax year.
(A)
Name and business address 		(B)
Description of services 		(C)
Compensation
ARENT FOX LLP1050 CONNECTICUT AVENUE NWWASHINGTONDC20036 LEGAL SERVICES 238,265
2
Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization MediumBullet1
Form 990 (2013)
Form 990 (2013)
Page 9
Part VIII
Statement of Revenue
Check if Schedule O contains a response or note to any line in this Part VIII .............
(A)
Total revenue 		(B)
Related or
exempt
function
revenue 		(C)
Unrelated
business
revenue 		(D)
Revenue
excluded from
tax under sections
512-514
Contributions, Gifts, GrantAmt and OtherAmt Similar Amounts 1a Federated campaigns..1a  
b Membership dues....1b  
c Fundraising events....1c  
d Related organizations...1d  
e Government grants (contributions)1e 5,719,490
f All other contributions, gifts, grants, and
similar amounts not included above1f 		10,745,494
g Noncash contributions included in lines
1a-1f:$ 		 
h Total. Add lines 1a-1f.......MediumBullet 16,464,984
Program Service RevenueAmt Business Code
2a MEMBERSHIP DUES 900099 1,524,720 1,524,720    
b NATIONAL LOCATOR LINE 900099 817,744 817,744    
c CONTRACTED SERVICE FEES 900099 617,780 617,780    
d CERTIFICATION FEES 900099 287,830 287,830    
e ONLINE EDUCATION 900099 226,789 226,789    
f All other program service revenue . 487,055 487,055    
g Total. Add lines 2a–2f........MediumBullet 3,961,918
OtherAmt RevenueAmt 3 Investment income (including dividends, interest, and other similar amounts).......MediumBullet 220     220
4 Income from investment of tax-exempt bond proceeds..MediumBullet        
5 Royalties...........MediumBullet        
(i) Real (ii) Personal
6a Gross rents    
b Less: rental expenses    
c Rental income or (loss)    
d Net rental income or (loss).......MediumBullet        
(i) Securities (ii) Other
7a Gross amount from sales of assets other than inventory    
b Less: cost or other basis and sales expenses   132,402
c Gain or (loss)   -132,402
d Net gain or (loss)..........MediumBullet -132,402     -132,402
8a Gross income from fundraising events (not including
$  
of contributions reported on line 1c). See Part IV, line 18 ..
a  
b Less: direct expenses ...b  
c Net income or (loss) from fundraising events..MediumBullet      
9a Gross income from gaming activities.
See Part IV, line 19 ...
a  
b Less: direct expenses ...b  
c Net income or (loss) from gaming activities...MediumBullet        
10a Gross sales of inventory, less
returns and allowances .
a  
b Less: cost of goods sold ..b  
c Net income or (loss) from sales of inventory..MediumBullet        
Miscellaneous Revenue Business Code
11a MISCELLANEOUS 900099 17,246     17,246
b            
c            
d All other revenue ....        
e Total. Add lines 11a–11d ...... MediumBullet 17,246
12 Total revenue. See Instructions......MediumBullet 20,311,966 3,961,918 0 -114,936
Form 990 (2013)
Form 990 (2013)
Page 10
Part IX
Statement of Functional Expenses
Section 501(c)(3) and 501(c)(4) organizations must complete all columns. All other organizations must complete column (A).Check if Schedule O contains a response or note to any line in this Part IX ...............
Do not include amounts reported on lines 6b,
7b, 8b, 9b, and 10b of Part VIII. 		(A)
Total expenses 		(B)
Program service expenses 		(C)
Management and general expenses 		(D)
Fundraising expenses
1 Grants and other assistance to governments and organizations in the United States. See Part IV, line 21 6,832,007 6,832,007
2 Grants and other assistance to individuals in the United States. See Part IV, line 22    
3 Grants and other assistance to governments, organizations, and individuals outside the United States. See Part IV, lines 15 and 16    
4 Benefits paid to or for members    
5 Compensation of current officers, directors, trustees, and key employees .... 596,401 426,836 109,346 60,219
6 Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....        
7 Other salaries and wages 1,244,895 989,244 232,936 22,715
8 Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) .... 33,595 25,412 7,043 1,140
9 Other employee benefits ....... 79,196 66,711 6,458 6,027
10 Payroll taxes ........... 116,862 88,546 21,350 6,966
11 Fees for services (non-employees):        
a Management ......        
b Legal ......... 259,867 105,151 150,744 3,972
c Accounting ........... 46,616 19,293 27,323  
d Lobbying ...........        
e Professional fundraising services. See Part IV, line 17    
f Investment management fees ......        
g Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O) ........ 578,390 443,463 126,922 8,005
12 Advertising and promotion ....        
13 Office expenses ....... 164,188 141,902 21,715 571
14 Information technology ......        
15 Royalties ..        
16 Occupancy ........... 292,062   292,062  
17 Travel ............ 98,281 91,362 4,856 2,063
18 Payments of travel or entertainment expenses for any federal, state, or local public officials ......        
19 Conferences, conventions, and meetings .... 151,123 151,123    
20 Interest ........... 54   54  
21 Payments to affiliates .......        
22 Depreciation, depletion, and amortization ..... 239,037 132,728 95,084 11,225
23 Insurance .............. 63,574   63,574  
24 Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a MARKETING / PUBLIC RELA 1,221,543 1,221,543    
b ONLINE EDUCATION 211,922 211,922    
c TEMPORARY HELP 169,499 49,903 119,596  
d EQUIPMENT RENTAL & MAIN 144,164 13,220 130,621 323
e All other expenses 343,181 298,719 36,801 7,661
25 Total functional expenses. Add lines 1 through 24e 12,886,457 11,309,085 1,446,485 130,887
26 Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here MediumBullet if following SOP 98-2 (ASC 958-720).        
Form 990 (2013)
Form 990 (2013)
Page 11
Part X Balance Sheet Check if Schedule O contains a response or note to any line in this Part X ..............
(A)
Beginning of year 		(B)
End of year
Assets 1 Cash–non-interest-bearing .............   1  
2 Savings and temporary cash investments ......... 1,680,091 2 7,633,739
3 Pledges and grants receivable, net ........... 2,982,017 3 4,746,597
4 Accounts receivable, net ............. 229,023 4 192,896
5 Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of
Schedule L ..................
  5  
6 Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L
  6  
7 Notes and loans receivable, net .............   7  
8 Inventories for sale or use .............. 109,158 8 112,064
9 Prepaid expenses and deferred charges .......... 719,083 9 86,594
10a Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D 10a 2,571,407
b Less: accumulated depreciation ..... 10b 1,634,475 536,077 10c 936,932
11 Investments—publicly traded securities ..........   11  
12 Investments—other securities. See Part IV, line 11 .....   12  
13 Investments—program-related. See Part IV, line 11 .....   13  
14 Intangible assets ...............   14  
15 Other assets. See Part IV, line 11 ........... 134,783 15 152,797
16 Total assets. Add lines 1 through 15 (must equal line 34)...... 6,390,232 16 13,861,619
Liabilities 17 Accounts payable and accrued expenses ......... 438,584 17 394,158
18 Grants payable ................. 3,671,071 18 3,810,859
19 Deferred revenue ................   19  
20 Tax-exempt bond liabilities .............   20  
21 Escrow or custodial account liability. Complete Part IV of Schedule D..   21  
22 Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
persons. Complete Part II of Schedule L..........   22  
23 Secured mortgages and notes payable to unrelated third parties ..   23  
24 Unsecured notes and loans payable to unrelated third parties ....   24  
25 Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D.................... 626,866 25 577,382
26 Total liabilities. Add lines 17 through 25......... 4,736,521 26 4,782,399
Net Assets or Fund Balance Organizations that follow SFAS 117 (ASC 958), check here MediumBullet and complete lines 27 through 29, and lines 33 and 34.
27 Unrestricted net assets .............. 1,343,700 27 1,180,700
28 Temporarily restricted net assets ........... 310,011 28 7,898,520
29 Permanently restricted net assets ...........   29  
Organizations that do not follow SFAS 117 (ASC 958), check here MediumBullet and complete lines 30 through 34.
30 Capital stock or trust principal, or current funds ........   30  
31 Paid-in or capital surplus, or land, building or equipment fund .....   31  
32 Retained earnings, endowment, accumulated income, or other funds   32  
33 Total net assets or fund balances ........... 1,653,711 33 9,079,220
34 Total liabilities and net assets/fund balances ........ 6,390,232 34 13,861,619
Form 990 (2013)
Form 990 (2013)
Page 12
Part XI
Reconcilliation of Net Assets
Check if Schedule O contains a response or note to any line in this Part XI ..............
1
Total revenue (must equal Part VIII, column (A), line 12) ............
1
20,311,966
2
Total expenses (must equal Part IX, column (A), line 25) ............
2
12,886,457
3
Revenue less expenses. Subtract line 2 from line 1 ..............
3
7,425,509
4
Net assets or fund balances at beginning of year (must equal Part X, line 33, column (A)) ..
4
1,653,711
5
Net unrealized gains (losses) on investments ...............
5
 
6
Donated services and use of facilities .................
6
 
7
Investment expenses .....................
7
 
8
Prior period adjustments .....................
8
 
9
Other changes in net assets or fund balances (explain in Schedule O) ........
9
0
10
Net assets or fund balances at end of year. Combine lines 3 through 9 (must equal Part X, line 33, column (B))
10
9,079,220
Part XII
Financial Statements and Reporting
Check if Schedule O contains a response or note to any line in this Part XII .............
Yes
No
1
Accounting method used to prepare the Form 990:  
If the organization changed its method of accounting from a prior year or checked "Other," explain in
Schedule O.
2a
Were the organization’s financial statements compiled or reviewed by an independent accountant?
2a
 
No
If ‘Yes,’ check a box below to indicate whether the financial statements for the year were compiled or reviewed on a separate basis, consolidated basis, or both:
b
Were the organization’s financial statements audited by an independent accountant?
2b
Yes
 
If ‘Yes,’ check a box below to indicate whether the financial statements for the year were audited on a separate basis, consolidated basis, or both:
c
If "Yes," to line 2a or 2b, does the organization have a committee that assumes responsibility for oversight of the audit, review, or compilation of its financial statements and selection of an independent accountant?
2c
Yes
 
If the organization changed either its oversight process or selection process during the tax year, explain in Schedule O.
3a
As a result of a federal award, was the organization required to undergo an audit or audits as set forth in the Single Audit Act and OMB Circular A-133?
3a
Yes
 
b
If "Yes," did the organization undergo the required audit or audits? If the organization did not undergo the required audit or audits, explain why in Schedule O and describe any steps taken to undergo such audits.
3b
Yes
 
Form 990 (2013)
Form 990, Special Condition Description:
Special Condition Description
Additional Data


Software ID:  
Software Version:  
SCHEDULE A
(Form 990 or 990EZ)

Department of the Treasury
Internal Revenue Service
Public Charity Status and Public Support
Complete if the organization is a section 501(c)(3) organization or a section 4947(a)(1) nonexempt charitable trust.
right arrow Attach to Form 990 or Form 990-EZ. right arrow See separate instructions.
right arrow Information about Schedule A (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public
Inspection
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number

53-0132493
Part I
Reason for Public Charity Status (All organizations must complete this part.) See instructions.
The organization is not a private foundation because it is: (For lines 1 through 11, check only one box.)
1
2
3
4
5
section 170(b)(1)(A)(iv). (Complete Part II.)
6
7
8
9
receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 331/3% of
its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses
acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)
10
11
e
f
g
(i) A person who directly or indirectly controls, either alone or together with persons described in (ii)
Yes
No
and (iii) below, the governing body of the supported organization? ................
11g(i)
 
 
(ii) A family member of a person described in (i) above? ......................
11g(ii)
 
 
(iii) A 35% controlled entity of a person described in (i) or (ii) above? ................
11g(iii)
 
 
h
Provide the following information about the supported organization(s).
(i) Name of supported organization (ii) EIN (iii) Type of organization (described on lines 1- 9 above or IRC section (see instructions)) (iv) Is the organization in col. (i) listed in your governing document? (v) Did you notify the organization in col. (i) of your support? (vi) Is the organization in col. (i) organized in the U.S.? (vii) Amount of monetary support
Yes No Yes No Yes No
Total  

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990EZ.
Cat. No. 11285F
Schedule A (Form 990 or 990-EZ) 2013
Schedule A (Form 990 or 990-EZ) 2013
Page 2
Part II
Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)
(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify under Part III. If the organization fails to qualify under the tests listed below, please complete Part III.)
Section A. Public Support
Calendar year (or fiscal year beginning in) right arrow (a) 2009 (b) 2010 (c) 2011 (d) 2012 (e) 2013 (f) Total
1 Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") ....            
2 Tax revenues levied for the organization's benefit and either paid to or expended on its behalf.......            
3 The value of services or facilities furnished by a governmental unit to the organization without charge..            
4 Total. Add lines 1 through 3            
5 The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f)..  
6 Public support. Subtract line 5 from line 4.  
Section B. Total Support
Calendar year (or fiscal year beginning in) right arrow (a) 2009 (b) 2010 (c) 2011 (d) 2012 (e) 2013 (f) Total
7 Amounts from line 4..            
8 Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...            
9 Net income from unrelated business activities, whether or not the business is regularly carried on..            
10 Other income. Do not include gain or loss from the sale of capital assets (Explain in Part IV.)..            
11 Total support (Add lines 7 through 10).  
12
12
 
13
First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a 501(c)(3) organization, check this box and stop here.................................................right arrow
Section C. Computation of Public Support Percentage
14
14
 
15
15
 
16a
b
17a
b
18
Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow
Schedule A (Form 990 or 990-EZ) 2013
Schedule A (Form 990 or 990-EZ) 2013
Page 3
Part III
Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 9 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)
Section A. Public Support
Calendar year (or fiscal year beginning in) right arrow (a) 2009 (b) 2010 (c) 2011 (d) 2012 (e) 2013 (f) Total
1 Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") . 22,515,620 11,111,032 8,695,299 9,405,130 17,989,704 69,716,785
2 Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose...... 6,049,487 4,916,437 3,907,126 2,269,504 2,437,198 19,579,752
3 Gross receipts from activities that are not an unrelated trade or business under section 513..            
4 Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...            
5 The value of services or facilities furnished by a governmental unit to the organization without charge..            
6 Total. Add lines 1 through 5. 28,565,107 16,027,469 12,602,425 11,674,634 20,426,902 89,296,537
7a Amounts included on lines 1, 2, and 3 received from disqualified persons... 400,000 617,838 533,906 1,341,000 3,700,000 6,592,744
b Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year.           0
c Add lines 7a and 7b.. 400,000 617,838 533,906 1,341,000 3,700,000 6,592,744
8 Public support (Subtract line 7c from line 6.) 82,703,793
Section B. Total Support
Calendar year (or fiscal year beginning in) right arrow (a) 2009 (b) 2010 (c) 2011 (d) 2012 (e) 2013 (f) Total
9 Amounts from line 6... 28,565,107 16,027,469 12,602,425 11,674,634 20,426,902 89,296,537
10a Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources.. 33,575 181 302 479 220 34,757
b Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975.            
c Add lines 10a and 10b. 33,575 181 302 479 220 34,757
11 Net income from unrelated business activities not included in line 10b, whether or not the business is regularly carried on.            
12 Other income. Do not include gain or loss from the sale of capital assets (Explain in Part IV.) ..     107 14,932 17,246 32,285
13 Total support. (Add lines 9, 10c, 11, and 12.).. 28,598,682 16,027,650 12,602,834 11,690,045 20,444,368 89,363,579
14
Section C. Computation of Public Support Percentage
15
15
92.550 %
16
16
95.370 %
Section D. Computation of Investment Income Percentage
17
17
0.040 %
18
18
0.110 %
19a
b
20
Schedule A (Form 990 or 990-EZ) 2013
Schedule A (Form 990 or 990-EZ) 2013
Page 4
Part IV
Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b; and Part III, line 12. Also complete this part for any additional information. (See instructions).
Facts And Circumstances Test
 
Explanation
 
 
 
 
Schedule A (Form 990 or 990-EZ) 2013

Additional Data


Software ID:  
Software Version:  
Schedule B
(Form 990, 990-EZ,
or 990-PF)
Department of the Treasury
Internal Revenue Service
Schedule of Contributors
Arrow Bullet Attach to Form 990, 990-EZ, or 990-PF.
Arrow Bullet Information about Schedule B (Form 990, 990-EZ, or 990-PF) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2013
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number

53-0132493
Organization type (check one):
Filers of:
Section:
Form 990 or 990-EZ





Form 990-PF




Check if your organization is covered by the General Rule or a Special Rule.  
Note. Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
General Rule
Special Rules
......................... Arrow Bullet $  
Caution. An organization that is not covered by the General Rule and/or the Special Rules does not file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its
Form 990-EZ or on its Form 990PF, Part I, line 2, to certify that it does not meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).
For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.
Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2013)

Schedule B (Form 990, 990-EZ, or 990-PF) (2013)
Page 2
Name of organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
  		Employer identification number

53-0132493
Part I
Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
RESTRICTED
RESTRICTED
 

   
RESTRICTED
RESTRICTED
RESTRICTED, RESTRICTEDRESTRICTED

$RESTRICTED


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

   
 
 

$  


(Complete Part II for noncash contributions.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2013)

Schedule B (Form 990, 990-EZ, or 990-PF) (2013)
Page 3
Name of organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
  		Employer identification number

53-0132493
Part II
Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
Schedule B (Form 990, 990-EZ, or 990-PF) (2013)

Schedule B (Form 990, 990-EZ, or 990-PF) (2013)
Page 4
Name of organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
  		Employer identification number

53-0132493
Part III
Exclusively religious, charitable, etc., individual contributions to section 501(c)(7), (8), or (10) organizations
that total more than $1,000 for the year. Complete columns (a) through (e) and the following line entry.
For organizations completing Part III, enter the total of exclusively religious, charitable, etc.,
contributions of $1,000 or less for the year. (Enter this information once. See instructions.) Arrow Bullet$  
Use duplicate copies of Part III if additional space is needed.
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
Schedule B (Form 990, 990-EZ, or 990-PF) (2013)

Additional Data


Software ID:  
Software Version:  
SCHEDULE C
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service
Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527
SchCMd Bullet Complete if the organization is described below.SchCMd Bullet Attach to Form 990 or Form 990-EZ.
SchCMd Bullet See separate instructions.SchCMd Bullet Information about Schedule C (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public
Inspection
If the organization answered "Yes" to Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
Round Bullet Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
Round Bullet Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
Round Bullet Section 527 organizations: Complete Part I-A only.
If the organization answered "Yes" to Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
Round Bullet Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
Round Bullet Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered "Yes" to Form 990, Part IV, Line 5 (Proxy Tax) or Form 990-EZ, Part V, line 35c (Proxy Tax), then
Round Bullet Section 501(c)(4), (5), or (6) organizations: Complete Part III.
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number

53-0132493
Part I-A
Complete if the organization is exempt under section 501(c) or is a section 527 organization.

1
Provide a description of the organization’s direct and indirect political campaign activities in Part IV.
2
Political expenditures ....................................SchCMd Bullet
$  
3
Volunteer hours ........................................
 

Part I-B
Complete if the organization is exempt under section 501(c)(3).
1
Enter the amount of any excise tax incurred by the organization under section 4955 .........SchCMd Bullet
$  
2
Enter the amount of any excise tax incurred by organization managers under section 4955 ......SchCMd Bullet
$  
3
If the organization incurred a section 4955 tax, did it file Form 4720 for this year? ..............
4a
Was a correction made? .........................................
b
If "Yes," describe in Part IV.
Part I-C
Complete if the organization is exempt under section 501(c), except section 501(c)(3).
1
Enter the amount directly expended by the filing organization for section 527 exempt function activities SchCMd Bullet
$  
2
Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ...................................SchCMd Bullet

$  
3
Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b..SchCMd Bullet

$  
4
Did the filing organization file Form 1120-POL for this year? ..........................
5
Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.
(a) Name (b) Address (c) EIN (d) Amount paid from filing organization's funds. If none, enter -0-. (e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.










For Paperwork Reduction Act Notice, see the instructions for Form 990 or 990-EZ.
Cat. No. 50084S
Schedule C (Form 990 or 990-EZ) 2013

Schedule C (Form 990 or 990-EZ) 2013
Page 2
Part II-A
Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).
A Check SchCMd Bulletexpenses, and share of excess lobbying expenditures).
B Check SchCMd Bullet
Limits on Lobbying Expenditures
(The term "expenditures" means amounts paid or incurred.) 		(a) Filing
organization's
totals 		(b) Affiliated group
totals
1a Total lobbying expenditures to influence public opinion (grass roots lobbying) ......    
b Total lobbying expenditures to influence a legislative body (direct lobbying) ....... 22,726  
c Total lobbying expenditures (add lines 1a and 1b) ................... 22,726  
d Other exempt purpose expenditures ........................ 26,887,674  
e Total exempt purpose expenditures (add lines 1c and 1d) ............... 26,910,400  
f Lobbying nontaxable amount. Enter the amount from the following table in both
columns.		 1,000,000  
If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
Not over $500,00020% of the amount on line 1e.
Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
Over $17,000,000$1,000,000.
g Grassroots nontaxable amount (enter 25% of line 1f) ................. 250,000  
h Subtract line 1g from line 1a. If zero or less, enter -0-. ................ 0  
i Subtract line 1f from line 1c. If zero or less, enter -0-. ................ 0  
j If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting
section 4911 tax for this year? ......................................

4-Year Averaging Period Under Section 501(h)
(Some organizations that made a section 501(h) election do not have to complete all of the five
columns below. See the instructions for lines 2a through 2f on page 4.)
Lobbying Expenditures During 4-Year Averaging Period
Calendar year (or fiscal year
beginning in) 		(a) 2010 (b) 2011 (c) 2012 (d) 2013 (e) Total
2a Lobbying nontaxable amount 1,000,000 846,459 732,779 1,000,000 3,579,238
b Lobbying ceiling amount
(150% of line 2a, column(e)) 		5,368,857
c Total lobbying expenditures 117,070 76,124 9,417 22,726 225,337
d Grassroots nontaxable amount 250,000 211,615 183,195 250,000 894,810
e Grassroots ceiling amount
(150% of line 2d, column (e))		 1,342,215
f Grassroots lobbying expenditures          
Schedule C (Form 990 or 990-EZ) 2013


Schedule C (Form 990 or 990-EZ) 2013
Page 3
Part II-B
Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).
For each "Yes" response to lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.
(a)
No
Yes
(b)
Amount
1
During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:
a
Volunteers? .........................................
 
 
b
Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ....
 
 
c
Media advertisements? ....................................
 
 
 
d
Mailings to members, legislators, or the public? .........................
 
 
 
e
Publications, or published or broadcast statements? .......................
 
 
 
f
Grants to other organizations for lobbying purposes? .......................
 
 
 
g
Direct contact with legislators, their staffs, government officials, or a legislative body? ........
 
 
 
h
Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ......
 
 
 
i
Other activities? ..........................
 
 
 
j
Total. Add lines 1c through 1i ...............................
 
2a
Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....
 
 
b
If "Yes," enter the amount of any tax incurred under section 4912 .................
 
c
If "Yes," enter the amount of any tax incurred by organization managers under section 4912 .....
 
d
If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? .......
 
 
Part III-A
Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).
Yes
No
1
Were substantially all (90% or more) dues received nondeductible by members? ................
1
 
 
2
Did the organization make only in-house lobbying expenditures of $2,000 or less? ................
2
 
 
3
Did the organization agree to carry over lobbying and political expenditures from the prior year? ..........
3
 
 
Part III-B
Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered "No" OR (b) Part III-A, line 3, is answered “Yes."
1
Dues, assessments and similar amounts from members .....................
1
 
2
Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political
expenses for which the section 527(f) tax was paid).
a
Current year .........................................
2a
 
b
Carryover from last year ....................................
2b
 
c
Total ............................................
2c
 
3
Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .
3
 
4
If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ................................
4
 
5
Taxable amount of lobbying and political expenditures (see instructions) ..............
5
 
Part IV
Supplemental Information
Provide the descriptions required for Part l-A, line 1; Part l-B, line 4; Part l-C, line 5; Part II-A (affiliated group list); Part II-A, line 2; and Part ll-B, line 1. Also, complete this part for any additional information.
Return Reference Explanation
Schedule C (Form 990 or 990EZ) 2013

Additional Data


Software ID:  
Software Version:  

SCHEDULE D
(Form 990)
Department of the Treasury
Internal Revenue Service
Supplemental Financial Statements
SchDMd Bullet Complete if the organization answered "Yes," to Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b
SchDMd Bullet Attach to Form 990. SchDMd Bullet See separate instructions. SchDMd Bullet Information about Schedule D (Form 990) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public Inspection
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number

53-0132493
Part I
Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" to Form 990, Part IV, line 6.
(a) Donor advised funds (b) Funds and other accounts
1 Total number at end of year .........    
2 Aggregate contributions to (during year) ...    
3 Aggregate grants from (during year) .....    
4 Aggregate value at end of year ........    
5
Did the organization inform all donors and donor advisors in writing that the assets held in donor advised
funds are the organization's property, subject to the organization's exclusive legal control? ............
6
Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be
used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................
Part II
Conservation Easements. Complete if the organization answered "Yes" to Form 990, Part IV, line 7.
1
Purpose(s) of conservation easements held by the organization (check all that apply).
2
Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.
Held at the End of the Year
a Total number of conservation easements ....................... 2a  
b Total acreage restricted by conservation easements .................. 2b  
c Number of conservation easements on a certified historic structure included in (a) ..... 2c  
d Number of conservation easements included in (c) acquired after 8/17/06, and not on a historic structure listed in the National Register .................... 2d  
3
Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during
the tax year SchDMd Bullet  
4
Number of states where property subject to conservation easement is located SchDMd Bullet  
5
Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and
enforcement of the conservation easements it holds? .............................
6
Staff and volunteer hours devoted to monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet  
7
Amount of expenses incurred in monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet $  
8
Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .......................................
9
In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.
Part III
Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" to Form 990, Part IV, line 8.
1a
If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.
b
If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:
(i)
Revenues included in Form 990, Part VIII, line 1 ........................SchDMd Bullet $  
(ii)
Assets included in Form 990, Part X ..............................SchDMd Bullet $  
2
If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under SFAS 116 (ASC 958) relating to these items:
a
Revenues included in Form 990, Part VIII, line 1 ..........................SchDMd Bullet $  
b
Assets included in Form 990, Part X ...............................SchDMd Bullet $  
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 52283D
Schedule D (Form 990) 2013

Schedule D (Form 990) 2013
Page 2
Part III
Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)
3
Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):
a
d
b
e
 
c
4
Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.
5
During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?........
Part IV
Escrow and Custodial Arrangements. Complete if the organization answered "Yes" to Form 990,
Part IV, line 9, or reported an amount on Form 990, Part X, line 21.
1a
Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................
b
If "Yes," explain the arrangement in Part XIII and complete the following table:
Amount
c Beginning balance ................................. 1c  
d Additions during the year .............................. 1d  
e Distributions during the year ............................. 1e  
f Ending balance ................................... 1f  
2a
Did the organization include an amount on Form 990, Part X, line 21? .....................
b
If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ........
Part V
Endowment Funds. Complete if the organization answered "Yes" to Form 990, Part IV, line 10.
(a)Current year (b)Prior year b (c)Two years back (d)Three years back (e)Four years back
1a Beginning of year balance ....          
b Contributions ........          
c Net investment earnings, gains, and losses          
d Grants or scholarships .....          
e Other expenditures for facilities
and programs ........ 		         
f Administrative expenses ....          
g End of year balance ......          
2
Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:
a
Board designated or quasi-endowment SchDMd Bullet  
b
Permanent endowment SchDMd Bullet  
c
Temporarily restricted endowment SchDMd Bullet  
The percentages in lines 2a, 2b, and 2c should equal 100%.
3a
Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes
No
(i) unrelated organizations ........................
3a(i)
 
 
(ii) related organizations ........................
3a(ii)
 
 
b
If "Yes" to 3a(ii), are the related organizations listed as required on Schedule R? .........
3b
 
 
4
Describe in Part XIII the intended uses of the organization's endowment funds.
Part VI
Land, Buildings, and Equipment. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11a. See Form 990, Part X, line 10.
Description of property (a) Cost or other basis (investment) (b)Cost or other basis (other) (c) Accumulated depreciation (d) Book value
1a Land .................      
b Buildings ................        
c Leasehold improvements ............   518,364 138,946 379,418
d Equipment ................   1,124,538 1,110,836 13,702
e Other .................   928,505 384,693 543,812
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).).......SchDMdBullet 936,932
Schedule D (Form 990) 2013

Schedule D (Form 990) 2013
Page 3
Part VII
Investments—Other Securities. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11b. See Form 990, Part X, line 12.
(a) Description of security or category
(including name of security)		 (b)Book value (c) Method of valuation:
Cost or end-of-year market value
(1)Financial derivatives    
(2)Closely-held equity interests    
Other








Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)Small Bullet  
Part VIII
Investments—Program Related. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11c. See Form 990, Part X, line 13.
(a) Description of investment (b) Book value (c) Method of valuation:
Cost or end-of-year market value








Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)Small Bullet  
Part IX
Other Assets. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11d. See Form 990, Part X, line 15.
(a) Description (b) Book value








Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........Small Bullet  
Part X
Other Liabilities. Complete if the organization answered 'Yes' to Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.
1.(a) Description of liability (b) Book value
Federal income taxes  
DEFERRED RENT 202,303
DEFERRED TI ALLOWANCE 375,079







Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)Small Bullet 577,382
2. Liability for uncertain tax positions In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII ..................................................
Schedule D (Form 990) 2013

Schedule D (Form 990) 2013
Page 4
Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return Complete if the organization answered 'Yes' to Form 990, Part IV, line 12a.
1 Total revenue, gains, and other support per audited financial statements ....... 1 34,335,909
2 Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a Net unrealized gains on investments .......... 2a  
b Donated services and use of facilities ......... 2b 13,891,541
c Recoveries of prior year grants ........... 2c  
d Other (Describe in Part XIII.) ............ 2d  
e Add lines 2a through 2d ..................... 2e 13,891,541
3 Subtract line 2e from line 1..................... 3 20,444,368
4 Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a Investment expenses not included on Form 990, Part VIII, line 7b . 4a  
b Other (Describe in Part XIII.) ........... 4b -132,402
c Add lines 4a and 4b....................... 4c -132,402
5 Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ...... 5 20,311,966
Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' to Form 990, Part IV, line 12a.
1 Total expenses and losses per audited financial statements ........... 1 26,910,400
2 Amounts included on line 1 but not on Form 990, Part IX, line 25:
a Donated services and use of facilities .......... 2a 13,891,541
b Prior year adjustments .............. 2b  
c Other losses ................ 2c  
d Other (Describe in Part XIII.) ............ 2d 132,402
e Add lines 2a through 2d...................... 2e 14,023,943
3 Subtract line 2e from line 1..................... 3 12,886,457
4 Amounts included on Form 990, Part IX, line 25, but not on line 1:
a Investment expenses not included on Form 990, Part VIII, line 7b .. 4a  
b Other (Describe in Part XIII.) ............ 4b  
c Add lines 4a and 4b....................... 4c 0
5 Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ...... 5 12,886,457
Part XIII
Supplemental Information
Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b;
Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.
Return Reference Explanation
PART X, LINE 2: THE FOUNDATION BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN, AND THEREFORE, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS. THE FOUNDATION'S TAX RETURNS ARE GENERALLY OPEN FOR EXAMINATION FOR THREE YEARS AFTER THEY ARE FILED.
PART XI, LINE 4B - OTHER ADJUSTMENTS: LOSS FROM DISPOSAL OF FIXED ASSETS -132,402.
PART XII, LINE 2D - OTHER ADJUSTMENTS: LOSS FROM DISPOSAL OF FIXED ASSETS 132,402.
Schedule D (Form 990) 2013

Additional Data


Software ID:  
Software Version:  




Schedule I
(Form 990)
Department of the Treasury
Internal Revenue Service
Grants and Other Assistance to Organizations,
Governments and Individuals in the United States
Complete if the organization answered "Yes," to Form 990, Part IV, line 21 or 22.
lBullet Attach to Form 990
lBullet Information about Schedule I (Form 990) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public
Inspection
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number
53-0132493
Part I
General Information on Grants and Assistance
1
Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees' eligibility for the grants or assistance, and
the selection criteria used to award the grants or assistance? ....................................
2
Describe in Part IV the organization's procedures for monitoring the use of grant funds in the United States.
Part II
Grants and Other Assistance to Governments and Organizations in the United States. Complete if the organization answered "Yes" to
Form 990, Part IV, line 21, for any recipient that received more than $5,000. Part II can be duplicated if additional space is needed.
(a) Name and address of organization
or government		 (b) EIN (c) IRC Code section
if applicable		 (d) Amount of cash grant (e) Amount of non-cash
assistance		 (f) Method of valuation
(book, FMV, appraisal,
other)		 (g) Description of
non-cash assistance		 (h) Purpose of grant
or assistance
(1) CCCS OF ALABAMA INC
640 S LAWRENCE ST MONTGOMERY
MONTGOMERY,AL36104 		51-0235743 501 (C) (3) 5,293       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(2) CCCS OF MOBILE-FAMILY COUNSELING CENTER OF MOBILE INC
705 OAK CIRCLE DRIVE
EAST MOBILE,AL36609 		63-0388685 501 (C) (3) 55,465       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(3) CCCS OF CENTRAL ALABAMA (DIVISION GATEWAY)
1401 20TH ST S STE 100 BIRMINGHAM
BIRMINGHAM,AL352054913 		63-0288854 501 (C) (3) 20,318       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(4) FAMILY SERVICE AGENCY CCCS
628 W BROADWAY STE 300
NORTH LITTLE ROCK,AR72114 		71-0237511 501 (C) (3) 23,529       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(5) CREDIT COUNSELING OF ARKANSAS
1111 ZION RD
FAYETTEVILLE,AR72703 		71-0772094 501 (C) (3) 43,742       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(6) CCCS KERN AND TULANE COUNTY
2001 F ST
BAKERSFIELD,CA93301 		95-2460971 501 (C) (3) 117,799       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(7) SPRINGBOARD
4351 LATHAM ST
RIVERSIDE,CA92501 		33-0656671 501 (C) (3) 129,014       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(8) CCCS OF SAN FRANCISCO
595 MARKET ST 15TH FLR
SAN FRANCISCO,CA94105 		94-1688163 501 (C) (3) 217,845       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(9) CCCS OF ORANGE COUNTY
1920 OLD TUSTIN AVE
SANTA ANA,CA92705 		95-2426981 501 (C) (3) 145,261       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(10) CCCS NORTH COAST
1309 11TH ST STE 104
ARCATA,CA99521 		68-0048766 501 (C) (3) 15,133       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(11) CCCS OF WEST FLORIDA
PO BOX 950
PENSACOLA,FL32591 		52-1242143 501 (C) (3) 46,282       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(12) CCCS OF JACKSONVILLE
1639 ATLANTIC BLVD
JACKSONVILLE,FL32207 		59-0768265 501 (C) (3) 72,180       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(13) CONSUMER DEBT COUNSELORS INC
831 W MORSE RD
WINTER PARK,FL32789 		59-3458266 501 (C) (3) 46,755       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(14) INCHARGE DEBT SOLUTIONS
5750 MAJOR BLVD STE 300
ORLANDO,FL32819 		33-0770440 501 (C) (3) 459,843       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(15) CCCS OF MIDDLE GEORGIA
901 WASHINGTON AVE
MACON,GA31201 		58-1105840 501 (C) (3) 46,439       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(16) CCCS OF SAVANNAH AREA
7505 WATERS AVE PARK S SUITE C-11
SAVANNAH,GA31406 		58-0958705 501 (C) (3) 43,675       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(17) CCCS OF GREATER ATLANTA
270 PEACHTREE ST STE 1800
ATLANTA,GA303037662 		58-0942924 501 (C) (3) 208,216       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(18) CCCS OF EAST ALABAMAWEST GEORGIA
PO BOX 1825
COLUMBUS,GA31902 		58-0828094 501 (C) (3) 16,679       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(19) CCCS OF NORTHERN IDAHO INC
1113 MAIN ST
LEWISTON,ID83501 		82-0370044 501 (C) (3) 10,548       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(20) CHESTNUT CREDIT COUNSELING SERVICES
1003 MARTIN LUTHER KING DR
BLOOMINGTON,IL61701 		42-1692441 501 (C) (3) 6,400       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(21) CCCS OF MCHENRY COUNTY INC
400 RUSSEL CT STE A
WOODSTOCK,IL60098 		36-3185383 501 (C) (3) 35,414       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(22) CCCS OF NORTHEASTERN INDIANA
4105 W JEFFERSON BLVD
FORT WAYNE,IN46804 		52-1284819 501 (C) (3) 14,496       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(23) CCCS OF NORTHWEST INDIANA
800 E 86TH AVE
MERRILLVILLE,IN46410 		35-1337079 501 (C) (3) 10,949       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(24) HORIZON CCCS
819 5TH ST SE
CEDAR RAPIDS,IA52401 		42-0837621 501 (C) (3) 8,564       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(25) CCCS OF NORTHEASTERN IOWA
1003 W FOURTH ST
WATERLOO,IA50702 		42-1236403 501 (C) (3) 52,167       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(26) CCCS INC
1201 W WALNUT
SALINA,KS67402 		48-0995970 501 (C) (3) 14,052       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(27) CCCS OF TOPEKA (HCCI)
SUITE 101 1195 SW BUCHANAN
TOPEKA,KS66604 		48-0822466 501 (C) (3) 79,574       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(28) CCCS OF MARYLAND AND DELAWARE
757 FREDERICK RD 2ND FLOOR
BALTIMORE,MD21228 		52-0846275 501 (C) (3) 221,248       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(29) GREENPATH INCDBA GREENPATH DEBT SOLUTIONS
36500 CORPORATE DRIVE
FARMINGTON HILLS,MI48331 		38-6142925 501 (C) (3) 509,031       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(30) CCCS OF DULUTH (LUTHERAN SOCIAL SERVICE OF MN)
424 W SUPERIOR ST STE 600
DULUTH,MN55802 		41-0872993 501 (C) (3) 57,875       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(31) FAMILYMEANS CONSUMER CREDIT COUNSELING SERVICE
1875 NORTHWESTERN AVE S
STILLWATER,MN55082 		41-6045574 501 (C) (3) 12,875       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(32) CCCS OF SPRINGFIELD
1515 S GLENSTONE
SPRINGFIELD,MO65804 		43-1483251 501 (C) (3) 27,756       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(33) CCCS OF MONTANA
2022 CENTRAL AVE
GREAT FALLS,MT59403 		81-0303443 501 (C) (3) 84,626       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(34) CCCS OF NEBRASKA
809 N 96TH ST STE 100
OMAHA,NE681142498 		47-0574245 501 (C) (3) 53,487       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(35) CCCS OF SOUTHERN NEVADA & UTAH
2630 JONES BLVD
LAS VEGAS,NV89146 		88-0121775 501 (C) (3) 163,838       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(36) CCCS OF NEW JERSEY
185 RIDGEDALE AVE
CEDAR KNOLLS,NJ07927 		22-2222343 501 (C) (3) 26,661       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(37) CCCS OF CENTRAL NEW JERSEY
1931 NOTTINGHAM WAY
HAMILTON,NJ08619 		22-3237254 501 (C) (3) 46,350       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(38) NOVADEBT A GARDEN STATE CONSUMER CREDIT COUNSELING
225 WILLOWBROOK RD
FREEHOLD,NJ07728 		22-3120920 501 (C) (3) 396,358       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(39) CCCS OF BUFFALO
SUITE 300 40 GARDENVILLE PKWY
WEST SENECA,NY14224 		16-0909583 501 (C) (3) 39,535       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(40) CCCS - ROCHESTER
1000 UNIVERSITY AVE STE 900
ROCHESTER,NY14607 		16-0972260 501 (C) (3) 50,889       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(41) CCCS OF WESTERN NORTH CAROLINA INC
50 S FRENCH BROAD AVE STE 227
ASHEVILLE,NC288013217 		59-1056077 501 (C) (3) 14,900       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(42) CCCS OF FAYETTEVILLE
PO BOX 2009
FAYETTEVILLE,NC28302 		56-0845795 501 (C) (3) 12,200       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(43) CCCS OF GASTON COUNTY (A DIVISION OF FAMILY SERVICE INC)
214 E FRANKLIN BLVD
GASTONIA,NC28052 		56-6068395 501 (C) (3) 51,805       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(44) CCCS OF GREATER GREENSBORO A DIVISION OF FAMILY SERVICE OF THE PIEDMONT I
315 E WASHINGTON STREET
GREENSBORO,NC27401 		56-2061741 501 (C) (3) 107,345       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(45) CCCS CATAWBA VALLEY
17 US HIGHWAY 70 SE
HICKORY,NC28602 		56-6020417 501 (C) (3) 29,613       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(46) CCCS - TRIANGLE FAMILY SERVICES
700 BLUE RIDGE RD STE 101
RALEIGH,NC27606 		56-0547491 501 (C) (3) 36,127       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(47) CCCS OF FORSYTH
8064 N POINT BLVD STE 204
WINSTON SALEM,NC27106 		56-1015074 501 (C) (3) 39,495       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(48) CCCS OF THE VILLAGE FAMILY SERVICE CENTER
1201-25TH S
SOUTH FARGO,ND58103 		45-0226423 501 (C) (3) 106,475       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(49) CCCS OF CENTRAL OHIO INC
4500 E BROAD ST
COLUMBUS,OH43213 		31-0731111 501 (C) (3) 347,972       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(50) CCCS OF THE MIAMI VALLEY (SPONSORED BY LUTHERAN SOCIAL SERVICES)
SUITE 300 3131 S DIXIE DRIVE
DAYTON,OH454392284 		31-1325015 501 (C) (3) 40,897       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(51) CCCS OF CENTRAL OKLAHOMA
3230 N ROCKWELL
BETHANY,OK73008 		73-0766646 501 (C) (3) 21,432       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(52) CCCS OF OKLAHOMA INC
4646 S HARVARD
TULSA,OK74159 		23-7138701 501 (C) (3) 28,742       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(53) CCCS OF SOUTHERN OREGON INC
SUITE 202 820 CRATER LAKE AVENUE
MEDFORD,OR97504 		93-0585893 501 (C) (3) 16,048       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(54) CCCS OF DELAWARE VALLEY
1608 WALNUT ST 10TH FL
PHILADELPHIA,PA19103 		23-1671903 501 (C) (3) 491,608       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(55) ADVANTAGE CCCS
SUITE 400 2403 SIDNEY STREET RIVER
PARK COMMONS
PITTSBURGH,PA15203 		25-1201741 501 (C) (3) 33,229       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(56) CCCS OF NORTHEASTERN PENNSYLVANIA INC
401 LAUREL ST
PITTSTON,PA18640 		23-2072807 501 (C) (3) 42,679       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(57) FAMILY SERVICES CCCS
4925 LACROSS RD STE 215
NORTH CHARLESTON,SC29406 		57-0324920 501 (C) (3) 45,274       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(58) CONSUMER CREDIT COUNSELING SERVICE OF LUTHERAN SOCIAL SERVICES OF SOUTH DAK
705 E 41ST ST STE 100
SIOUX FALLS,SD57105 		46-0224731 501 (C) (3) 25,615       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(59) PARTNERSHIP FAMILIES CHILDREN
2245 A OLAN MILLS DR
CHATTANOOGA,TN37421 		62-0911679 501 (C) (3) 42,826       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(60) CCCS OF GREATER DALLAS
SUITE 200 8737 KING GEORGE DR
DALLAS,TX75235 		75-1437638 501 (C) (3) 152,287       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(61) CCCS OF GREATER SAN ANTONIO
SUITE 100 6851 CITIZENS PKWY
SAN ANTONIO,TX78229 		74-1882935 501 (C) (3) 41,074       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(62) CCCS OF HAMPTON ROADS A PROGRAM OF CENTER FOR CHILD & FAMILY SERVICE INC
SUITE 400 2021 CUNNINGHAM DR
HAMPTON,VA23666 		54-0505893 501 (C) (3) 8,936       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(63) CLEARPOINT FINANCIAL
8000 FRANKLIN FARMS DRIVE
RICHMOND,VA23229 		54-1125309 501 (C) (3) 71,316       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(64) AMERICAN FINANCIAL SOLUTIONS
2815 2ND AVE STE 280
SEATTLE,WA98121 		91-1163554 501 (C) (3) 68,381       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(65) CCCS - HUNTINGTON
1102 MEMORIAL BLVD
HUNTINGTON,WV25701 		23-7374240 501 (C) (3) 8,250       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(66) CCCS OF THE MID-OHIO VALLEY
2715 MURDOCH AVE B-4 BEECHWOOD
PLAZA
PARKERSBURG,WV26101 		23-7124716 501 (C) (3) 12,942       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(67) CCCS OF NORTH CENTRAL WEST VIRGINIA (CRISS-CROSS INC)
209 W PIKE ST STE B
CLARKSBURG,WV26301 		55-0567161 501 (C) (3) 8,646       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(68) CCCS SHEBOYGAN
1930 N 8TH ST STE 100
SHEYBOYGAN,WI53081 		39-1945061 501 (C) (3) 117,388       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(69) CCCS NORTHEASTERN WISCONSIN
1800 APPLETON ROAD
MENASHA,WI54952 		39-1496649 501 (C) (3) 36,273       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(70) CCCS OF PUERTO RICO
1607 PONCE DELEON COBIANS PLAZA
SUITE GM09
SAN JUAN,PR00909 		66-0471798 501 (C) (3) 394,622       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
(71) MONEY MANAGEMENT INTERNATIONAL
14141 SOUTHWEST FREEWAY STE 1000
SUGAR LAND,TX774783494 		54-1837741 501 (C) (3) 727,788       HOUSING, LOSS MITIGATION, AND PROGRAM SUPPORT
2
Enter total number of section 501(c)(3) and government organizations listed in the line 1 table ................ Bullet Image
71
3
Enter total number of other organizations listed in the line 1 table ........................ . Bullet Image
0
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 50055P
Schedule I (Form 990) 2013

Schedule I (Form 990) 2013
Page 2
Part III
Grants and Other Assistance to Individuals in the United States. Complete if the organization answered "Yes" to Form 990, Part IV, line 22.
Part III can be duplicated if additional space is needed.
(a)Type of grant or assistance (b)Number of
recipients		 (c)Amount of
cash grant		 (d)Amount of
non-cash assistance		 (e)Method of valuation (book,
FMV, appraisal, other)		 (f)Description of non-cash assistance












Part IV
Supplemental Information. Provide the information required in Part I, line 2, Part III, column (b), and any other additional information.
Return Reference Explanation
PART I, LINE 2: FEDERAL GRANT COMPLIANCE OVERSIGHT IS MANAGED BY THE NATIONAL FOUNDATION FOR CREDIT COUNSELING'S COMPLIANCE AND RISK MANAGEMENT DEPARTMENT WITH OVERSIGHT BY THE NFCC'S CFO AND CEO. THE GRANT COMPLIANCE PROCESS IS DESIGNED TO ENSURE FISCAL AND PROGRAMMATIC ACCOUNTABILITY OF FEDERAL FUNDS AWARDED TO THE NFCC AND AS AN INTERMEDIARY TO ITS SUB GRANTEES.
Schedule I (Form 990) 2013


Additional Data


Software ID:  
Software Version:  


Schedule J
(Form 990)
Department of the Treasury
Internal Revenue Service
Compensation Information
For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
SchJMediumBullet Complete if the organization answered "Yes" to Form 990, Part IV, line 23.
SchJMediumBullet Attach to Form 990. SchJMediumBullet See separate instructions.
SchJMediumBullet Information about Schedule J (Form 990) and its instructions is at www.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public Inspection
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number

53-0132493
Part I
Questions Regarding Compensation
Yes
No
1a
Check the appropiate box(es) if the organization provided any of the following to or for a person listed in Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.
b
If any of the boxes in line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain....
1b
 
 
2
Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked in line 1a? ..
2
 
 
3
Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.
4
During the year, did any person listed in Form 990, Part VII, Section A, line 1a with respect to the filing organization or a related organization:
a
Receive a severance payment or change-of-control payment? ................
4a
 
No
b
Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........
4b
 
No
c
Participate in, or receive payment from, an equity-based compensation arrangement? .........
4c
 
No
If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.
Only 501(c)(3) and 501(c)(4) organizations only must complete lines 5-9.
5
For persons listed in Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:
a
The organization? ...........................
5a
 
No
b
Any related organization? .........................
5b
 
No
If "Yes," to line 5a or 5b, describe in Part III.
6
For persons listed in Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:
a
The organization? ...........................
6a
 
No
b
Any related organization? .........................
6b
 
No
If "Yes," to line 6a or 6b, describe in Part III.
7
For persons listed in Form 990, Part VII, Section A, line 1a, did the organization provide any non-fixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............
7
 
No
8
Were any amounts reported in Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III .............................
8
 
No
9
If "Yes" to line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................
9
 
 
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 50053T
Schedule J (Form 990) 2013

Schedule J (Form 990) 2013
Page 2
Part II
Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.
For each individual whose compensation must be reported in Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.
(A) Name and Title (B) Breakdown of W-2 and/or 1099-MISC compensation (C) Retirement and other deferred compensation (D) Nontaxable
benefits		 (E) Total of columns
(B)(i)-(D) 		(F) Compensation
reported as deferred
in prior Form 990
(i) Base compensation (ii) Bonus & incentive compensation (iii) Other reportable compensation
(1)SUSAN C KEATINGPRESIDENT & CEO (i)
(ii)		 365,729
0 		0
0 		10,799
0 		23,650
0 		19,362
0 		419,540
0 		0
0
(2)DEBRA ADLISCHIEF FINANCIAL OFFICER (i)
(ii)		 142,925
0 		0
0 		438
0 		21,851
0 		11,647
0 		176,861
0 		0
0
(3)HELENE RAYNAUDCHIEF OPERATING OFFICER (i)
(ii)		 128,198
0 		0
0 		7,838
0 		4,316
0 		19,499
0 		159,851
0 		0
0
Schedule J (Form 990) 2013

Schedule J (Form 990) 2013
Page 3
Part III
Supplemental Information
Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II.
Also complete this part for any additional information.
Return Reference Explanation
Schedule J (Form 990) 2013

Additional Data


Software ID:  
Software Version:  
SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service
Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or to provide any additional information.
MediumBullet Attach to Form 990 or 990-EZ.
MediumBullet Information about Schedule O (Form 990 or 990-EZ) and its instructions is at
www.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public
Inspection
Name of the organization
NATIONAL FOUNDATION FOR CREDIT COUNSELING INC
 
Employer identification number

53-0132493
Return Reference Explanation
FORM 990, PART VI, SECTION A, LINE 1 THE BOARD EXECUTIVE COMMITTEE IS RESPONSIBLE FOR CONDUCTING THE BUSINESS OF, AND HAS THE POWER AND AUTHORITY TO ACT ON BEHALF OF, THE BOARD IN BETWEEN THE MEETINGS OF THE BOARD.
FORM 990, PART VI, SECTION A, LINE 6 THE NFCC BYLAWS PROVIDE, IN RELEVANT PART, THE FOLLOWING: CLASSES. THE FOUNDATION SHALL HAVE ONE CLASS OF MEMBERS IN ORDER TO BE A MEMBER AN ORGANIZATION MUST: BE TAX EXEMPT UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. BE DULY QUALIFIED AND EXISTING UNDER THE LAWS OF THE DISTRICT OF COLUMBIA, OR ANY STATES OR TERRITORY OF THE UNITED STATES OF AMERICA. PROVIDE FINANCIAL COUNSELING SERVICES AND ACT IN COMPLIANCE WITH ALL APPLICABLE FEDERAL AND STATE LAWS AND REGULATIONS. BE ACCREDITED BY THE COUNCIL ON ACCREDITATION OR HAVE SUBMITTED APPLICATION AND INITIAL PAYMENT. COMPLY WITH THE NFCC'S MEMBER QUALITY STANDARDS.
FORM 990, PART VI, SECTION A, LINE 7A THE NFCC BYLAWS PROVIDE, IN RELEVANT PART: ARTICLE II, SECTION 7: ANNUAL MEETING. THE ANNUAL MEETING OF MEMBERS SHALL BE HELD PRIOR TO NOVEMBER 1 OF EACH YEAR, AND SHALL BE FOR THE PURPOSE OF ELECTING MEMBER-REPRESENTATIVE TRUSTEES TO THE BOARD, RATIFYING THE ELECTION OF AT-LARGE TRUSTEES TO THE BOARD, ELECTING MEMBERS OF THE OPERATING COMMITTEE, AND FOR THE TRANSACTION OF SUCH OTHER BUSINESS AS MAY COME BEFORE THE MEETING. ARTICLE III, SECTION 4: ELECTION OF AT-LARGE TRUSTEES. EXCEPT AS OTHERWISE SET FORTH IN THIS ARTICLE, NOMINEES FOR AT-LARGE TRUSTEES SHALL BE RECOMMENDED TO THE BOARD BY THE NOMINATING COMMITTEE AND SHALL BE ELECTED BY A MAJORITY VOTE OF THE BOARD AND SUBJECT TO RATIFICATION BY MEMBERS AT THE NEXT ANNUAL MEETING OF MEMBERS. THE SLATE OF AT-LARGE TRUSTEES SHALL BE DISTRIBUTED TO MEMBERS AT LEAST FIFTEEN (15) DAYS PRIOR TO THE ANNUAL MEETING OF MEMBERS. AT THE ANNUAL MEETING OF MEMBERS, MEMBERS SHALL BE ENTITLED TO VOTE TO RATIFY THE ELECTION OF AT-LARGE TRUSTEES BY BALLOT LISTING THE AT-LARGE TRUSTEES SUBJECT TO RATIFICATION. MEMBERS MAY VOTE TO RATIFY THE ELECTION OF AT-LARGE TRUSTEES OR WITHHOLD THEIR VOTE TO RATIFY THE ELECTION OF AT-LARGE TRUSTEES EITHER AS A SLATE OF AT-LARGE TRUSTEES OR AS INDIVIDUAL AT-LARGE TRUSTEES. FOR PURPOSES OF SECTION 3 OF THIS ARTICLE, THE TERM OF OFFICE FOR AN AT-LARGE TRUSTEE SHALL BEGIN AT THE CONCLUSION OF THE ANNUAL MEETING OF MEMBERS AT WHICH THE AT-LARGE TRUSTEE IS RATIFIED BY MEMBERS. SECTION 5: ELECTION OF MEMBER-REPRESENTATIVE TRUSTEES. EXCEPT AS OTHERWISE SET FORTH IN THIS ARTICLE, MEMBER-REPRESENTATIVE TRUSTEES SHALL BE ELECTED BY MEMBERS AT THE ANNUAL MEETING OF MEMBERS FROM A LIST OF ELIGIBLE CANDIDATES WHO HAVE EXPRESSED THEIR WRITTEN INTENTION TO STAND FOR ELECTION TO THE SECRETARY OF THE OPERATING COMMITTEE AT LEAST THIRTY (30) DAYS PRIOR TO THE ANNUAL MEETING OF MEMBERS. THAT LIST SHALL BE DISTRIBUTED TO MEMBERS AT LEAST FIFTEEN (15) DAYS PRIOR TO THE ANNUAL MEETING OF MEMBERS. ALL ELIGIBLE CANDIDATES SHALL APPEAR ON A SINGLE BALLOT, AND THE CANDIDATES RECEIVING THE HIGHEST TOTAL NUMBER OF VOTES SHALL BE ELECTED TO THE OPEN POSITIONS, RESPECTIVELY, FOR THE TERM DESIGNATED BY THIS ARTICLE. TO BE AN ELIGIBLE CANDIDATE UNDER THIS SECTION, A CANDIDATE MUST BE THE VOTING REPRESENTATIVE OF A MEMBER IN GOOD STANDING. MEMBERS OF THE OPERATING COMMITTEE ARE NOT ELIGIBLE TO BE CANDIDATES FOR ELECTION AS MEMBER-REPRESENTATIVE TRUSTEES.
FORM 990, PART VI, SECTION A, LINE 7B SEE LINE 7A.
FORM 990, PART VI, SECTION B, LINE 11 THE 990 IS PREPARED AND VERIFIED BY STAFF, AND THEN PROVIDED TO THE NFCC'S FINANCE COMMITTEE FOR REVIEW AND ACCEPTANCE. THE NFCC'S TREASURER, AS CHAIR OF THE FINANCE COMMITTEE, PRESENTS THE FORM 990 TO THE BOARD OF TRUSTEES.
FORM 990, PART VI, SECTION B, LINE 12C PLEASE NOTE THAT ALL TRUSTEES, OFFICERS AND COMMITTEE MEMBERS ("INTERESTED PERSONS") ARE SUBJECT TO THE CONFLICT OF INTEREST POLICY AND ARE REQUIRED TO ANNUALLY AFFIRM HAVING RECEIVED, READ AND UNDERSTOOD THE POLICY AND HAVE AGREED TO COMPLY WITH THE POLICY. THE POLICY, IN RELEVANT PART, REQUIRES: DISCLOSURE REQUIREMENT. IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICT, AN INTERESTED PERSON MUST DISCLOSE THE EXISTENCE OF THE FINANCIAL INTEREST AND BE GIVEN THE OPPORTUNITY TO DISCLOSE ALL MATERIAL FACTS TO THE TRUSTEES AND/OR COMMITTEE MEMBERS CONSIDERING THE PROPOSED TRANSACTION OR ARRANGEMENT. CONFLICT DETERMINATION BY BOARD. FOLLOWING FULL DISCLOSURE OF AN ACTUAL OR POSSIBLE CONFLICT, AND AFTER ANY DISCUSSION WITH THE INTERESTED PERSON, HE/SHE SHALL LEAVE THE BOARD OR COMMITTEE MEETING, AS THE CASE MAY BE, WHILE THE DETERMINATION OF A CONFLICT IS DISCUSSED AND VOTED UPON. THE REMAINING BOARD OR COMMITTEE MEMBERS SHALL DECIDE IF A CONFLICT EXISTS. THE POLICY FURTHER SPECIFIES THE PROCEDURE FOR ADDRESSING CONFLICTS THAT ARISE AND VIOLATIONS OF THE POLICY. PROCEDURES FOR ADDRESSING POSSIBLE CONFLICTS. (A) AN INTERESTED PERSON MAY MAKE A PRESENTATION AT THE BOARD OR COMMITTEE MEETING, BUT AFTER THE PRESENTATION, HE/SHE SHALL LEAVE THE MEETING DURING THE DISCUSSION OF, AND THE VOTE ON, THE TRANSACTION OR ARRANGEMENT INVOLVING THE ACTUAL OR POSSIBLE CONFLICT. (B) THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, MAY, IF APPROPRIATE, APPOINT ONE OR MORE DISINTERESTED PERSONS OR COMMITTEE TO INVESTIGATE ALTERNATIVES TO THE PROPOSED TRANSACTION OR ARRANGEMENT. (C) AFTER EXERCISING DUE DILIGENCE, THE BOARD OR COMMITTEE, AS THE CASE MAY BE, WILL DETERMINE WHETHER THE NFCC CAN OBTAIN WITH REASONABLE EFFORTS A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT FROM A PERSON OR ENTITY THAT WOULD NOT GIVE RISE TO A CONFLICT. (D) IF A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT IS NOT REASONABLY POSSIBLE UNDER THE CIRCUMSTANCES WITHOUT PRODUCING A CONFLICT, THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, WILL DETERMINE, BY A MAJORITY VOTE OF THE DISINTERESTED MEMBERS, (I) WHETHER THE TRANSACTION OR ARRANGEMENT IS IN THE NFCC'S BEST INTEREST FOR ITS OWN BENEFIT, AND (II) WHETHER ITS TERMS AND CONDITIONS ARE FAIR AND REASONABLE. IN CONFORMITY WITH THE ABOVE DETERMINATIONS, THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, WILL MAKE ITS DECISION AS TO WHETHER TO AUTHORIZE THE NFCC TO ENTER INTO THE TRANSACTION OR ARRANGEMENT. VIOLATIONS OF THE CONFLICTS OF INTEREST POLICY (A) IF THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, HAS REASONABLE CAUSE TO BELIEVE A PERSON HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE CONFLICT, IT WILL INFORM THE PERSON OF THE BASIS FOR THAT BELIEF AND AFFORD THE PERSON AN OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. (B) IF, AFTER HEARING THE PERSON'S RESPONSE AND MAKING FURTHER INVESTIGATION AS WARRANTED BY THE CIRCUMSTANCES, THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, DETERMINES THAT THE PERSON HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE CONFLICT, IT WILL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION.
FORM 990, PART VI, SECTION B, LINE 15 THE NATIONAL FOUNDATION FOR CREDIT COUNSELING'S BOARD OF TRUSTEES ENACTED THE FOLLOWING POLICY ON THE PROCESS OF DETERMINING COMPENSATION FOR THE NFCC'S PRESIDENT AND CHIEF EXECUTIVE OFFICER; AND OTHER OFFICERS AND KEY EMPLOYEES OF THE NFCC WHOSE COMPENSATION IS REQUIRED TO BE DISCLOSED ON FORM 990. THE PROCESS INCLUDES ALL OF THE FOLLOWING ELEMENTS: 1. REVIEW AND APPROVAL. (A) COMPENSATION OF THE PRESIDENT AND CHIEF EXECUTIVE OFFICER IS REVIEWED AND APPROVED BY THE NFCC'S PERSONNEL COMMITTEE, PROVIDED THAT PERSONS WITH CONFLICTS OF INTEREST WITH RESPECT TO THE COMPENSATION ARRANGEMENT AT ISSUE ARE NOT INVOLVED IN THIS REVIEW AND APPROVAL. (B) COMPENSATION OF THE OTHER OFFICERS AND KEY EMPLOYEES IS APPROVED BY THE PRESIDENT AND CHIEF EXECUTIVE OFFICER AND OVERALL STAFF COMPENSATION IS REVIEWED ON AN ANNUAL BASIS BY THE NFCC'S BOARD OF TRUSTEES OR THE PERSONNEL COMMITTEE. 2. USE OF DATA AS TO COMPARABLE COMPENSATION. THE COMPENSATION OF THE PERSON IS REVIEWED AND APPROVED USING DATA AS TO COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED ORGANIZATIONS. 3. CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING. THERE IS CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO THE DELIBERATIONS AND DECISIONS REGARDING THE COMPENSATION ARRANGEMENT.
FORM 990, PART VI, SECTION C, LINE 19 NFCC DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC.
FORM 990, PART XII, LINE 2C: THE AUDIT OVERSIGHT PROCESS HAS REMAINED UNCHANGED FROM THE PRIOR YEAR.
For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.
Cat. No. 51056K
Schedule O (Form 990 or 990-EZ) 2013

Additional Data


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