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About the FCAA

ѻý (FCAA) is a membership association comprised of the nation’s leading credit counseling agencies. Its members provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management and various financial education services to consumers across the United States.

Fact Sheet

ѻýFact Sheet 2025
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Contact Us

To schedule an interview with an ѻýfinancial counseling expert, please submit a request online, and we will respond within 24 hours. If you are on an immediate deadline, please call Lori Pollack at 866-278-1567.

In The News

Some organizations, such as a pro bono advisor or credit counseling agency, offer free financial advice. The WSJ explores the services offered as well as the advantages, trade-offs and how to select a trustworthy resource.

ѻýPresident Martin Lynch shares insights with Bloomberg about the latest financial challenges for government employees affected by the shutdown and gives step-by-step advice on what to do next.

A job loss or financial emergency could cause you to miss a debt payment. What should you do to minimize the impact? The ѻýsuggests steps to help you catch up and minimize damage to your credit.

The FCAA's Martin Lynch talks with reporter about the importance of budgeting, especially for those who see credit delinquencies on the horizon. Lynch encourages people to see budgeting as "a tool to preserve your lifestyle."

Credit counselors Michael F. Sullivan and Karen Carlson, who represent ѻýmember agencies, advise parents on the advantages and pitfalls of teaching your child early on how to manage money and use credit cards responsibly.

Listen to the interview with CNBC senior personal finance correspondent Sharon Epperson who explains ways to cut spending and build a manageable budget. She also talks about how the ѻýcan help with its free budget builder and certified credit counselors.

Seriously overdue credit card debt is at the highest level in more than a decade, and people 35 and under are struggling more than other age groups to pay their bills. The ѻýoffers advice in this interview.

While using credit cards can help fill in the gaps in your budget, it comes at a hefty price. One of the hardest parts of facing your credit card journey is looking at the mountain of credit card debt you've accrued. But, it's also one of the first steps in managing it.

Press Releases

circle of fist bumps representing ѻýnew members

ѻýWelcomes New Credit Counseling Agency Members

ѻý (FCAA) is pleased to announce the addition of three new member agencies. Money Management International, American Financial Solutions and InCharge Debt Solutions have joined the ranks of other leading non-profit credit counseling agencies (CCAs) that make up the organization. “These outstanding agencies not only

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woman making a budget to avoid holiday debt

3 Smart Strategies to Avoid Holiday Debt

The upcoming holiday season can bring a mixture of emotions for many people. When money is tight, joyful gatherings and gift exchanges can cause anxiety and stress. Follow these smart strategies to stay out of debt over the holidays. Holiday giving and how people pay People love to give around

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young woman worrying about student loan repayments

Student Loan Repayments Restart This Month

Prepare for your student loan bill and learn about options to help with student loan debt After a three-year pause, federal student loan repayments started up again on October 1. For nearly 45 million borrowers, the added burden of student loan payments may make life a lot harder. Today, many

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Industry Experts

Scheduling Expert Interviews

ѻýmember agencies have industry experts who can speak on a variety of personal finance topics – including credit card debt, student loan debt, housing-related debts and living on a budget. We will be happy to connect you to the best source depending on your topic.

Representing the organization directly, ѻýpresident, Martin Lynch, is also available for media interviews.

We understand the nature of media deadlines and will respond to your resource requests quickly and efficiently.

Martin Lynch

Martin Lynch
President, FCAA

Martin Lynch is President of the Financial Counseling Association of America (FCAA), a membership and trade association comprising the nation’s leading non-profit credit counseling agencies that provide free and nominal-fee services to consumers nationwide. For two decades, he has also served as Compliance Manager and Director of Education at Cambridge Credit Counseling in Agawam, Massachusetts. In addition to his compliance duties, Lynch also conducts free seminars and webinars for a variety of nonprofits representing teachers and public employee unions; public schools and colleges; and incarcerated individuals preparing for their release into the community, among other groups.

Lynch is an authority on personal finance and has been cited in articles appearing in The Wall Street Journal,USA Today, MSN.com,Money, NerdWallet, LendingTree and a host of other news outlets. In 2024, he was invited to participate in the U.S. State Department’s Business Fellows program, serving as a host and advisor to business executives from El Salvador.

Lynch is available to speak on a variety of finance topics, including:

  • U.S. economic trends
  • Consumer credit usage
  • Debt management options
  • Student loan debt, federal repayment plans and loan forgiveness
  • Financial education
  • Credit building: scores and reports
  • Credit card debt
  • Budgeting and saving strategies
  • Debt management regulation
  • Credit repair scams