Private Organization Accreditation

Money Management International is a nationwide nonprofit organization that provides counseling and education related to credit, housing and bankruptcy, and offers debt management assistance if needed. MMI also conducts community education programs in the areas where we have a physical presence.


Mike Angstadt

Volunteer Roles: Commissioner; Hague Evaluator; Lead Evaluator; Peer Reviewer; Team Leader

Serving as a Team Leader for COA has been an enriching experience in many ways. Utilizing the Contextual Accreditation process to discern the means in which agencies, offering a variety of services, located throughout the US, Canada ,the Philippines and other countries provide best and most promising practices to their consumers has been particularly rewarding. read more>>


Clients who receive Financial Education and Counseling services learn to solve financial problems and gain personal financial management skills.

PA-FEC 13: Truth in Marketing

Services are accurately depicted in the agency’s marketing efforts.

Rating Indicators
Full Implementation, Outstanding Performance
A rating of (1) indicates that the agency's practices fully meet the standard and reflect a high level of capacity.  
  • All elements or requirements outlined in the standard are evident in practice, with rare or no exceptions; exceptions do not impact service quality or agency performance. 
Substantial Implementation, Good Performance
A rating of (2) indicates that an agency's infrastructure and practices are basically sound but there is room for improvement. 
  • The majority of the standards requirements have been met and the basic framework required by the standard has been implemented.  
  • Minor inconsistencies and not yet fully developed practices are noted; however, these do not significantly impact service quality or agency performance.  
Partial Implementation, Concerning Performance
A rating of (3) indicates that the agency's observed infrastructure and/or practices require significant improvement.  
  • The agency has not implemented the basic framework of the standard but instead has in place only part of this framework.   
  • Omissions or exceptions to the practices outlined in the standard occur regularly, or practices are implemented in a cursory or haphazard manner. 
  • Service quality or agency functioning may be compromised.   
  • Capacity is at a basic level.
Unsatisfactory Implementation or Performance
A rating of (4) indicates that implementation of the standard is minimal or there is no evidence of implementation at all.  
  • The agency’s observed service delivery infrastructure and practices are weak or non-existent; or show signs of neglect, stagnation, or deterioration.  
Please see Rating Guidance for additional rating examples. 

Table of Evidence

Self-Study Evidence On-Site Evidence On-Site Activities
    • Provide information given to consumers
    • Media advertisements
    • Interview:
      1. Marketing personnel

  • PA-FEC 13.01

    The agency’s marketing efforts:

    1. accurately describe the agency and its services; and
    2. provide relevant contact information, including a current address, on all printed or electronic advertisements.

  • PA-FEC 13.02

    An agency that uses a vendor to generate consumer leads does not provide incentives for such leads.

    Interpretation: This standard requires that the agency does not base payment to the lead vendor on the number of leads generated. Such a practice may encourage lead vendors to generate leads using statements that do not accurately reflect the agency’s services.

    Interpretation: The use of a locator service is permissible.  These services connect an individual via telephone or a website with the nearest credit counseling agency based on the location of the person. There is a small fee each time a person is connected to pay for the locator services operation. According to 501q.1.f of the Internal Revenue Service code, 501c3 agencies cannot receive any amount of money for sending or receiving referrals for debt management plans.

    NA The agency does not use a vendor to generate consumer leads.

  • PA-FEC 13.03

    Written information explains:

    1. the range of services and options available, including bankruptcy; and
    2. that receipt of financial education and counseling services does not guarantee participation in debt management program services.
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