Dcrac

Dcrac The Delaware Community Reinvestment Action Council, Inc. We believe wealth is essential for long-term economic security.

(DCRAC) is a tax exempt, charitable nonprofit whose mission is to ensure equitable treatment and equal access to credit and capital throughout Delaware. At DCRAC, our mission is to transform the financial lives of Delawareans by ensuring equitable access to credit and capital—empowering individuals and families to build, protect, and pass on wealth. It enables people to weather hardship, pursue o

pportunity, and invest in their futures. Without access to the financial tools and protections that make wealth possible, too many Delawareans remain vulnerable. Across our state:
• We face a shortfall of 13,617 affordable rental units for low-wage earners.
• 17% of Americans are financially vulnerable, the highest level since 2019.
• Unbanked and underbanked individuals are disproportionately affected.
• Financial vulnerability impacts 30% of renters compared to only 9% of homeowners. What We Do
DCRAC is building the institutions and pathways to wealth that more affluent households take for granted. We do this through four distinct but connected initiatives:
1. Consumer Finance Advocacy (Since 1987)
We advocate for systemic change in financial systems to center the interests of marginalized communities. Our early work created an ecosystem that encouraged bank investment in homeownership and helped bring the SBA to Delaware.
2. The Money School (Founded in 1995; joined DCRAC in 2019)
We offer free, expert-led financial education throughout the state. From credit and investing to estate planning and entrepreneurship, we meet learners where they are—through libraries, partners, and community hubs.
3. Stepping Stones Community Federal Credit Union (Chartered in 2011; fully independent from DCRAC in 2025)
Delaware’s only community credit union chartered that year, Stepping Stones provides essential banking and borrowing services to underserved individuals. In 2024, we expanded into homeownership services, addressing one of the most effective pathways to intergenerational wealth.
4. DCRAC Law (Tax since 2003, Estate launched formally in 2019)
We provide affordable legal services—particularly tax resolution, title, and estate planning—to protect the assets our clients are working hard to build.

06/03/2026

Spending is not the Enemy. It is a tool. Spending reflects your priorities in life. This week, notice where your money goes. Does it align with your values? Your priorities?

05/27/2026

Legacy is more than inheritance. It is also what people carry forward from you.

05/20/2026

May and June are full of celebrations—graduations, milestones, family gatherings.
These moments matter. It is natural to want to show up in a meaningful way. But, meaning is not measured by how much you spend.

05/13/2026

Supporting family does not require self-sacrifice. It shouldn't come at a cost to your stability and sanity.

05/06/2026

What we teach about money--without words. Through how we behave with it. Not just how we talk about it.

DO MORE 24 DELAWARE has begun. Our state’s largest annual 24-hour celebration of nonprofit organizations has kicked off...
03/06/2026

DO MORE 24 DELAWARE has begun. Our state’s largest annual 24-hour celebration of nonprofit organizations has kicked off Please consider giving to DCRAC if you’re able.

We know that access to legal representation regarding financial matters is crucial to success. Whether we represent a client with a tax issue through the Lo...

https://conta.cc/4b0ETby
03/02/2026

https://conta.cc/4b0ETby

Looking for financial tips or inspiration as you work toward your money goals? Check out our weekly Money School Lunch and Learn series on Facebook every Wednesday at noon.

Estate Planning Is For You—Yes, You! By Jaclyn Quinn, Esq., Delaware Community Reinvestment Action Council, IncAt the De...
01/31/2026

Estate Planning Is For You—Yes, You!
By Jaclyn Quinn, Esq., Delaware Community Reinvestment Action Council, Inc

At the Delaware Community Reinvestment Action Council (DCRAC), we make estate planning accessible to as many people as possible. Our team is mindful that the fear of unaffordability keeps people from seeking legal help—an ongoing issue with legal and financial services that DCRAC works to counter more broadly—so we work to keep fees reasonable and transparent to help with the process.
Estate planning can sound overwhelming, expensive, or even unnecessary for many of the families DCRAC Law most frequently services—but none of those needs to be the case. We talk about it in plain English (or Spanish!), and we take the time to make sure every client is comfortable with what we’re doing and understands its importance. Also, if we’re not the right team to support your household’s needs, we tend to know who is. Use this link to continue reading this article https://thewomensjournal.com/estate-planning-is-for-you-yes-you/
Dcrac

Join Jaclyn Quinn and Elizabeth Darling on 8/28 at noon for this virtual class about estate planning. Thank you YWCA De...
08/21/2025

Join Jaclyn Quinn and Elizabeth Darling on 8/28 at noon for this virtual class about estate planning. Thank you YWCA Delaware for hosting!

Estate planning isn’t about how much you own—it’s about making sure your wishes are clear, no matter what stage of life you’re in. If you care about who gets your keepsakes, savings, life insurance, property, or even who will care for your children, dependents, or pets, you need a plan.

Join YWCA Delaware’s 𝘞𝘩𝘦𝘳𝘦 𝘛𝘩𝘦𝘳𝘦 𝘪𝘴 𝘢 𝘞𝘪𝘭𝘭, 𝘛𝘩𝘦𝘳𝘦 𝘪𝘴 𝘢 𝘞𝘢𝘺 webinar via Zoom at 12 p.m. on Thursday, August 28, to learn how to protect loved ones, pass on assets, and even make a will for free.

This event is free to attend, so invite your family and friends! Got questions? Send them in advance so our experts—Elizabeth Darling, WMCP, Edward Jones, and Jaclyn Quinn, Esq., Dcrac—can answer them.

Join us by registering here: https://www.ywcade.org/all-events/where-there-is-a-will-there-is-a-way

P.S. – This webinar is offered for free because YWCA Delaware is dedicated to empowering women and families by providing accessible education and resources that help people take control of their future. We believe everyone deserves the knowledge and tools to protect their loved ones and make informed decisions, regardless of their financial situation. 🧡

Address

600 South Harrison Street
Wilmington, DE
19805

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(302) 298-3250

Website

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