2022-09-30T09:20:24-05:00 2021-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2021-01-01 541837741 MONEY MANAGEMENT INTERNATIONAL INC MONE 6022464520 2401 W PEORIA 120 PHOENIX AZ 85029 JIM TRIGGS PRESIDENT & CEO 6022464520 2022-09-30 1 JIM TRIGGS 999009999 MELISSA HANGSLEBEN P02087031 6022662248 2022-09-27 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z JIM TRIGGS 2401 W PEORIA 120 PHOENIX AZ 85029 45598774 0 X WWW.MONEYMANAGEMENT.ORG X 2002 TX WE STRIVE TO BENEFIT THE COMMUNITY BY PROVIDING EXCEPTIONAL FINANCIAL EDUCATION AND COUNSELING PROGRAMS INCLUDING CREDIT, HOUSING, AND BANKRUPTCY COUNSELING. 9 8 445 8 257578 0 4614795 14488765 33444083 26600544 275675 728783 260627 129872 38595180 41947964 0 0 0 0 28530693 30315772 0 0 374708 16107622 13049568 44638315 43365340 -6043135 -1417376 55363723 50841625 22045530 17209762 33318193 33631863 X TO IMPROVE LIVES THROUGH FINANCIAL EDUCATION. 0 0 24084091 0 19634697 CREDIT COUNSELING AND DEBT MANAGEMENT - SEE SCHEDULE O. 11970119 0 4520106 HOUSING COUNSELING AND EDUCATION - SEE SCHEDULE O. 348782 0 1067673 BANKRUPTCY COUNSELING AND EDUCATION: MMI HAS BEEN APPROVED SINCE 2005 TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND ISSUE COUNSELING CERTIFICATES IN COMPLIANCE WITH THE BANKRUPTCY CODE. MMI IS ALSO APPROVED TO DELIVER PRE-DISCHARGE BANKRUPTCY EDUCATION SERVICES ALONG WITH THE CERTIFICATE OF PARTICIPATION THAT ALLOWS THE CONSUMER TO PROCEED WITH THE BANKRUPTCY DISCHARGE PROCESS. MMI PROVIDED 1451 SESSIONS FOR CONSUMERS PRIOR TO THEIR FILING FOR BANKRUPTCY AND 842 DEBTORS PARTICIPATED IN PRE-DISCHARGE EDUCATION PROGRAMS. 1128723 0 1120490 OTHER PROGRAMS - IN ADDITION TO ONE-ON-ONE COUNSELING, MMI PROVIDES FINANCIAL CAPABILITY EDUCATION ON A BROAD RANGE OF TOPICS. IN 2021, MMI REACHED 42,373 CONSUMERS THROUGH EDUCATIONAL PROGRAMS. OUR EDUCATIONAL WORKSHOPS ARE GENERALLY FREE TO CONSUMERS AND COVER A RANGE OF TOPICS TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND AVOID FINANCIAL PROBLEMS. WORKSHOP TOPICS INCLUDE TRACKING EXPENSES, BUDGETING, CASH FLOW MANAGEMENT, WISE USE OF CREDIT, PREPARING FOR THE HOME-BUYING PROCESS, FORECLOSURE, BANKRUPTCY, AND WAYS TO AVOID ACCUMULATING EXCESSIVE DEBT. MMI CONDUCTS EDUCATION CLASSES IN ENGLISH AND SPANISH.MMI PROVIDED FINANCIAL CAPABILITY OUTREACH AND EDUCATION TO 14,109 CONSUMERS THROUGH 561 LIVE EVENTS IN 2021. ADDITIONALLY, 2,104 CONSUMERS REGISTERED FOR ONLINE, SELF-PACED FINANCIAL LITERACY EDUCATION IN THE MMI UNIVERSITY PLATFORM IN 2021. ADDITIONALLY, THE MMI EDUCATION TEAM DEPLOYED 19 FINANCIAL LITERACY RELATED VIDEOS FOR THE MMI YOUTUBE CHANNEL WITH 6,330 CONSUMERS EDUCATED.MMI CREATED THE MMI PEER ADVOCATE PROGRAM, WHICH IS MADE UP OF FORMER MMI CLIENTS WHO OVERCAME DEBT CHALLENGES AND HAVE AGREED TO PUBLICLY SHARE THEIR STORIES THROUGH MEDIA INTERVIEWS AND SOCIAL ENGAGEMENT. PEER ADVOCATES ACT AS OUR BRAND AMBASSADORS AND CREATE CONVERSATIONS TO HELP OTHERS OVERCOME STIGMA RELATED TO DEBT AND FINANCIAL INSECURITY. THROUGH THIS PROGRAM, MMI SEEKS TO REACH INDIVIDUALS AND FAMILIES, IN COMMUNITIES ACROSS THE NATION, WITH A FOCUS ON THOSE STRUGGLING WITH BUDGETING, SAVINGS, CREDIT, DEBT, HOUSING AND THE ECONOMIC IMPACT OF THE PANDEMIC AND OTHER NATURAL DISASTERS. MMI CURRENTLY BOASTS 128 PEER ADVOCATES ACROSS 38 STATES, INCLUDING REPRESENTATION IN 20 OF THE TOP 25 U.S. MEDIA MARKETS. 1128723 0 1120490 37531715 1 1 0 0 0 0 0 0 1 0 1 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 1 18 0 445 1 1 1 0 0 0 0 0 0 0 0 0 0 0 X 9 8 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AK AZ AR CA CO CT FL HI IL KS KY ME MD MA MI MN MS NJ NM NY ND OR PA TN WA WV WI NH X JIM TRIGGS 6022464520 2401 W PEORIA 120 PHOENIX AZ 85029 JIM TRIGGS PRESIDENT & CEO 40.00 2.00 X X 409957 0 22716 KAREN ANCILLAI CHAIR 3.00 1.00 X X 0 0 0 DOUGLAS DURNIN DIRECTOR 3.00 1.00 X 0 0 0 ELIZABETH HOTZE DIRECTOR 3.00 0.00 X 0 0 0 WILLIAM A PUPO DIRECTOR 3.00 0.00 X 0 0 0 GREG MCBRIDE DIRECTOR 3.00 0.00 X 0 0 0 MANUEL MARIO PERDOMO DIRECTOR 3.00 0.00 X 0 0 0 ANNE-MARIE BAKER DIRECTOR 3.00 0.00 X 0 0 0 JERRY NEMORIN DIRECTOR 3.00 0.00 X 0 0 0 LYLE LANSDELL CHIEF FINANCIAL OFFICER/TREASURER 40.00 2.00 X 314021 0 28120 ZYNDA SELLERS CHIEF COMPLIANCE OFFICER/SECRETARY 40.00 2.00 X 255820 0 25252 ANTHONY SCATAGLIA CHIEF OPERATING OFFICER 40.00 1.00 X 320392 0 37727 MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFFICER 40.00 1.00 X 307191 0 34921 JOHN FISHER SVP, INDUSTRY RELATIONS 40.00 0.00 X 215359 0 5581 DANIEL LEVINE CHIEF TECHNOLOGY OFFICER 40.00 0.00 X 210285 0 6309 CHRISTOPHER RAY VICE PRESIDENT MARKETING 40.00 0.00 X 142514 0 4265 IVAN HAND SPECIAL ADVISOR 40.00 0.00 X 812459 0 29394 CHRISTOPHER FONTENOT SR. DIRECTOR INFORMATION TECHNOLOGY 40.00 0.00 X 149987 0 4499 MATTHEW MUELLER MANAGER, INFORMATION TECHNOLOGY 40.00 0.00 X 133118 0 3889 TYRA TURNQUEST INFORMATION TECHNOLOGY DIRECTOR 40.00 0.00 X 130827 0 3834 3401930 0 206507 36 0 1 0 NORTON ROSE FULBRIGHT US LLP DEPT 2613 PO BOX 122613 DALLAS TX 75312 LEGAL SERVICES 648359 1 5028152 9460613 14488765 BUDGET AND DEBT COUNSELING 541990 19634697 19634697 HOUSING COUNSELING 541990 4520106 4520106 AGENCY SUPPORT SERVICES 541990 1375186 1117608 257578 0 BANKRUPTCY COUNSELING 541990 1067673 1067673 STUDENT SERVICES 541990 2882 2882 26600544 423748 423748 127762 0 127762 127762 127762 3091197 864648 2763631 887179 327566 -22531 305035 305035 MISCELLANEOUS 900099 2110 2110 2110 41947964 26342966 257578 858655 2193651 553613 1467950 172088 22421226 21432695 867255 121276 359428 359428 3710950 3502676 194749 13525 1630517 1488880 127240 14397 787264 421197 365407 660 67355 36036 31263 56 152329 152329 1117044 597634 518474 936 1945667 1490866 430265 24536 1068194 1009331 57427 1436 119848 95232 24616 1692783 1573904 114932 3947 130400 97635 29378 3387 359351 269059 80957 9335 37035 230 36805 2343367 2196117 145678 1572 392470 392470 EQUIPMENT RENTAL & MAIN 1557401 1487196 70177 28 BANK CHARGES 453025 409296 43729 DIRECT COST OF REVENUE 390574 390574 LICENSES & TAXES 229472 31016 198456 205989 89100 109360 7529 43365340 37531715 5458917 374708 3090886 4293427 3102137 3253407 1034477 1038929 24737440 19117435 7597263 5620005 28940020 28214406 11598940 8421451 55363723 50841625 5259084 5413810 667210 3614620 11342928 8181332 4776308 22045530 17209762 X 33214191 33540774 104002 91089 33318193 33631863 55363723 50841625 -1417376 1731046 0 X X 0 1 X 1 1 1 X 7233750 6734990 6291081 4614795 14488765 39363381 36710368 40388323 32785714 33411061 26342966 169638432 43944118 47123313 39076795 38025856 40831731 209001813 28217357 7071218 3346297 2889035 3985332 45509239 0 28217357 7071218 3346297 2889035 3985332 45509239 163492574 3222890 678132 525024 556817 551510 5534373 1347442 658714 906440 47703 257578 3217877 4570332 1336846 1431464 604520 809088 8752250 48514450 48460159 40508259 38630376 41640819 217754063 0.75080 0.71780 0.04020 0.04300 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 143116 90909 52207 3195452 2098728 1096724 21398872 16927798 4471074 5620005 CASH HELD FOR CUSTOMERS 8181332 DEPOSITS AND OTHER ASSETS 240119 8421451 X PART IV, LINE 2B: MMI COLLECTS PAYMENTS FROM CLIENTS WHO ARE ON DEBT MANAGEMENT PLANS, PLACES THOSES PAYMENTS INTO A SEPARATE TRUST ACCOUNT, AND THEN DISBURSES THOSE FUNDS TO THE CREDITORS OF THE CLIENTS. PART X, LINE 2: AS AN ORGANIZATION DESCRIBED IN IRC SECTION 501(C)(3), THE COMPANY IS EXEMPT FROM FEDERAL INCOME TAXES ON ITS RELATED INCOME PURSUANT TO IRC SECTION 501(A). IT IS ALSO EXEMPT FROM VARIOUS STATE INCOME TAXES UNDER SIMILAR STATE STATUTES. MMI - HOUSING AND SEMINOLE RIDGE ARE DISREGARDED ENTITIES FOR FEDERAL TAX PURPOSES. THE COMPANY HAD NO TAXABLE UNRELATED BUSINESS INCOME IN 2021. ACCORDINGLY, NO PROVISION FOR INCOME TAXES HAS BEEN RECORDED. MANAGEMENT HAS EVALUATED THE COMPANY'S TAX POSITIONS AND CONCLUDED THAT THE COMPANY HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE CONSOLIDATED FINANCIAL STATEMENTS. WITH FEW EXCEPTIONS, THE COMPANY IS NO LONGER SUBJECT TO U.S. FEDERAL OR STATE INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2016. THE COMPANY RECORDS TAX-RELATED INTEREST AND PENALTIES IN EXPENSES IN THE CONSOLIDATED STATEMENT OF ACTIVITIES AND CHANGES IN NET ASSETS. THERE WERE NO TAX-RELATED INTEREST OR PENALTIES IN 2021. X 1 1 X X X X 1 0 0 0 0 0 0 1 0 IVAN HAND SPECIAL ADVISOR 0 0 790625 0 21834 0 0 0 29394 0 841853 0 0 0 JIM TRIGGS PRESIDENT & CEO 310432 0 75000 0 24525 0 4100 0 18616 0 432673 0 0 0 ANTHONY SCATAGLIA CHIEF OPERATING OFFICER 245250 0 0 0 75142 0 8333 0 29394 0 358119 0 0 0 LYLE LANSDELL CHIEF FINANCIAL OFFICER/TREASURER 248359 0 50000 0 15662 0 8524 0 19596 0 342141 0 0 0 MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFFICER 237147 0 50000 0 20044 0 8550 0 26371 0 342112 0 0 0 ZYNDA SELLERS CHIEF COMPLIANCE OFFICER/SECRETARY 189830 0 50000 0 15990 0 7671 0 17581 0 281072 0 0 0 JOHN FISHER SVP, INDUSTRY RELATIONS 167356 0 10000 0 38003 0 5581 0 0 0 220940 0 0 0 DANIEL LEVINE CHIEF TECHNOLOGY OFFICER 175285 0 35000 0 0 0 6309 0 0 0 216594 0 0 0 CHRISTOPHER FONTENOT SR. DIRECTOR INFORMATION TECHNOLOGY 144987 0 5000 0 0 0 4499 0 0 0 154486 0 0 0 PART I, LINE 1A MMI PAID COUNTRY CLUB DUES FOR JIM TRIGGS, THE PRESIDENT & CEO. PART I, LINE 4A DURING CALENDAR 2021, THE FOLLOWING INDIVIDUALS RECEIVED SEVERANCE PAYMENTS: ANTHONY SCATAGLIA - $41,569 JOHN FISHER - $35,385 PART I, LINE 7 IVAN HAND'S COMPENSATION REFLECTS A PAYMENT OF $790,625 IN 2021 THAT WAS PART OF A "TRANSITION AGREEMENT" PUT IN PLACE IN 2019 TO ENSURE A TRANSITION FOR THE NEW PRESIDENT AND CHIEF EXECUTIVE OFFICER. FORM 990, PART III, LINE 4A: MONEY MANAGEMENT INTERNATIONAL (MMI) PROVIDES PERSONAL FINANCIAL COUNSELING AND EDUCATION FOR THOSE NEEDING ASSISTANCE WITH BUDGETING AND MONEY MANAGEMENT. CONSUMERS RECEIVE FINANCIAL GUIDANCE FROM A CERTIFIED CREDIT COUNSELOR. DURING A SESSION, THE COUNSELOR WILL HELP THE CONSUMER ASSESS THEIR FINANCIAL SITUATION, DEVELOP A SPENDING PLAN, SET FINANCIAL GOALS AND CREATE AN ACTION PLAN. SOME CONSUMERS MAY BE ENROLLED IN A DEBT MANAGEMENT PLAN (DMP) FOR SYSTEMATIC REPAYMENT OF CERTAIN DEBTS. TEAMS OF CERTIFIED SUPPORT COUNSELORS PROVIDE ADMINISTRATION AND SUPPORT FOR MMI'S DMP CLIENTS BY PROVIDING ON-GOING FINANCIAL COUNSELING AND EDUCATION FROM THE START THROUGH COMPLETION. CORPORATE POLICY REQUIRES ALL SUPPORT COUNSELORS RECEIVE IN-DEPTH TRAINING AND ARE REQUIRED TO BE INDEPENDENTLY CERTIFIED PRIOR TO COUNSELING A CONSUMER. MMI'S CERTIFIED TRAINING STAFF PROVIDES EDUCATIONAL CLASSES IN PERSON, VIA WEBINAR, AND THROUGH SELF-PACED ONLINE MODULES THAT COVER A WIDE VARIETY OF CONSUMER FINANCE TOPICS. IN 2021, MMI PROVIDED OVER 33,000 DEBT AND BUDGET COUNSELING SESSIONS. ADDITIONALLY, MMI HELPED 52,600 INDIVIDUALS AND FAMILIES REPAY NEARLY $242 MILLION IN DEBT. CLIENTS REDUCED THEIR INTEREST RATES TO AN AVERAGE OF JUST 6.4%, SAVING UP TO $27,600 IN INTEREST BASED ON AGGREGATE DATA; AND INCREASED THEIR CREDIT SCORE BY 90 POINTS OVER THE COURSE OF THE DMP, ON AVERAGE. FORM 990, PART III, LINE 4B MMI PROVIDES A WIDE VARIETY OF HOUSING COUNSELING SERVICES AIMED AT SAVING HOMES AND BUILDING COMMUNITIES. FORECLOSURE PREVENTION COUNSELING ASSISTS THOSE WHO HAVE FALLEN BEHIND ON THEIR MORTGAGE PAYMENTS TO KEEP THEIR HOME AND AVOID THE COST AND CREDIT RATING DAMAGE ASSOCIATED WITH FORECLOSURE. RENTAL COUNSELING PROVIDES GUIDANCE AND SOLUTIONS TO THOSE WHO ARE AT RISK OF EVICTION. THROUGH ITS DISASTER RECOVERY PROGRAM, PROJECT PORCHLIGHT, MMI PROVIDED IMMEDIATE AND LONG-TERM SUPPORT TO CONSUMERS IMPACTED BY NATURAL DISASTER, AS WELL AS THOSE EXPERIENCING ECONOMIC DISRUPTION CAUSED BY THE PANDEMIC. POST-MODIFICATION COUNSELING IS A LONG-TERM FINANCIAL COACHING PROGRAM DESIGNED TO SUPPORT LONG-TERM REPAYMENT SUCCESS FOR CONSUMERS WHO HAVE PREVIOUSLY FALLEN DELINQUENT ON THEIR MORTGAGE. REVERSE MORTGAGE COUNSELING EDUCATES SENIORS ON THE BENEFITS, CONSEQUENCES, OPTIONS AND PROCESS OF OBTAINING A HOME EQUITY CONVERSION MORTGAGE, WHILE REVERSE MORTGAGE DEFAULT SUPPORTS SENIORS WHO ARE AT RISK OF DEFAULT DUE TO LAPSED PROPERTY TAX OR INSURANCE PAYMENTS. MMI ASSISTS POTENTIAL HOME BUYERS BY EDUCATING THEM ON THE COSTS AND RESPONSIBILITIES OF HOME OWNERSHIP. FUNDING IS PROVIDED BY THE U.S. DEPARTMENT OF HOUSING, URBAN DEVELOPMENT (HUD) AND THROUGH CONTRACTUAL ARRANGEMENTS WITH MORTGAGE SERVICERS AND GSE'S. MMI PROVIDED OVER 40,000 HOUSING SPECIFIC SESSIONS. MMI PROVIDED HOMEOWNERSHIP EDUCATION ON THE TOPICS OF HOME BUYING, LOSS MITIGATION, RENTAL RIGHTS, AND EVICTION PREVENTION TO 345 CONSUMERS VIA LIVE CLASSES AND 19,149 CONSUMERS VIA ONLINE, SELF PACED EDUCATION IN THE MMI UNIVERSITY, FRAMEWORK AND EHOME AMERICA PLATFORMS IN 2021. ADDITIONALLY, THE MMI EDUCATION TEAM DEPLOYED 19 HOMEOWNERSHIP AND RENTAL RELATED VIDEOS ON THE MMI YOUTUBE CHANNEL IN 2021 WITH 336 CONSUMERS EDUCATED. FORM 990, PART VI, SECTION A, LINE 1A BY THE AFFIRMATIVE VOTE OF AT LEAST SEVENTY-FIVE PERCENT (75%) OF THE DIRECTORS, THE BOARD OF DIRECTORS MAY CREATE AN EXECUTIVE COMMITTEE, WHICH SHALL HAVE AND EXERCISE ALL THE AUTHORITY OF THE BOARD OF DIRECTORS IN THE MANAGEMENT OF THE CORPORATION, AND MAY APPOINT TWO OR MORE PERSONS, A MAJORITY OF WHOM ARE MEMBERS OF THE BOARD OF DIRECTORS, TO SERVE ON IT. BY MAJORITY VOTE, THE BOARD OF DIRECTORS MAY CREATE ONE OR MORE OTHER COMMITTEES AND APPOINT MEMBERS OF THE BOARD OF DIRECTORS TO SERVE ON THEM. ANY SUCH COMMITTEE MAY EXERCISE ALL CORPORATE AUTHORITY DELEGATED TO IT BY THE BOARD OF DIRECTORS EXCEPT AS LIMITED BY APPLICABLE LAW. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND THE AUDIT COMMITTEE AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE DRAFT OF THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AND COMMENTS PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ALL EXECUTIVES (DIRECTORS, OFFICERS, AND KEY EMPLOYEES) OF MMI ARE BOUND BY A CONFLICT OF INTEREST POLICY AND MUST COMPLETE A QUESTIONNAIRE ON AN ANNUAL BASIS DETAILING ANY OTHER INTERESTS. THE EXECUTIVE MUST UPDATE THE DISCLOSURE FORM SHOULD ANY MATERIAL CHANGES ARISE DURING THE COURSE OF THE YEAR. THESE FORMS ARE MAINTAINED WITH OTHER CORPORATE DOCUMENTS BY THE SECRETARY OF THE CORPORATION. FORM 990, PART VI, SECTION B, LINE 15 MMI HAS DEVELOPED AND IMPLEMENTED A COMPENSATION POLICY ADHERING TO THE STANDARDS PROVIDED IN TREASURY REGULATIONS SECTION 53.4858-6. THE POLICY REQUIRES A COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS TO REVIEW AND APPROVE COMPENSATION FOR OFFICERS AND KEY EMPLOYEES; THAT THE COMMITTEE OBTAIN AND RELY UPON COMPARABILITY DATA AND VALUATION STUDIES PREPARED BY INDEPENDENT EXECUTIVE COMPENSATION EXPERTS; THE COMMITTEE CONTEMPORANEOUSLY DOCUMENTS ITS DELIBERATIONS AND DECISIONS IN WRITING; AND MUST HAVE ALL COMPENSATION DECISIONS APPROVED BY THE FULL BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 MMI COMPLIES WITH THE PUBLIC INSPECTION REQUIREMENTS OF THE IRC 6104 BY MAKING AVAILABLE TO THE PUBLIC ITS FORM 1023, APPLICATION OF RECOGNITION OF EXEMPTION UNDER 501(C)3 OF THE IRC, DETERMINATION LETTER FROM THE IRS AND FORMS 990 AND 990-T FOR ITS THREE MOST RECENTLY COMPLETED TAX PERIODS. IN ADDITION TO THIS INFORMATION, EVEN THOUGH NOT REQUIRED OF SECTION 501(C)3 ORGANIZATIONS UNDER THE IRC 6104, MMI HAS CHOSEN TO DISCLOSE THEIR GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICIES AND FINANCIAL STATEMENTS UPON REQUEST. FORM 990, PART XII, LINE 2C: THE ORGANIZATION DID NOT CHANGE ITS OVERSIGHT OR SELECTION PROCESS DURING THE YEAR. MMI HOUSING LLC 2401 W PEORIA 120 PHOENIX AZ 85029 460985114 REAL ESTATE DE 0 0 MONEY MANAGEMENT INTERNATIONAL INC MMI SEMINOLE RIDGE INVESTMENT LLC 2401 W PEORIA 120 PHOENIX AZ 85029 460984731 REAL ESTATE DE 0 0 MONEY MANAGEMENT INTERNATIONAL INC CCCS OF SOUTHERN NEW ENGLAND INC 12603 SOUTHWEST FREEWAY SUITE 450 STAFFORD TX 77477 237230816 CREDIT COUNSELING MA 501(C)(3) LINE 10 MONEY MANAGEMENT INTERNATIONAL INC 1 MMI FINANCIAL EDUCATION FOUNDATION 12603 SOUTHWEST FREEWAY SUITE 450 STAFFORD TX 77477 760691702 FINANCIAL EDUCATION TX 501(C)(3) LINE 12A, I MONEY MANAGEMENT INTERNATIONAL INC 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0