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Bruce McClary´Â Àü¹Ì½Å¿ë»ó´ãÇùȸ(NFCC) Membership & Communications ºÎ¹® ¼ö¼® ºÎȸÀåÀÌ´Ù. ¹Ì±¹ ÃÖ´ë ±Ô¸ð ¹× ÃÖ°í ¿ª»ç¸¦ ÀÚ¶ûÇÏ´Â ºñ¿µ¸® ¹Î°£ ½Å¿ë»ó´ã±â±¸ÀÎ NFCC¿¡¼­ ´ë¿Ü Ä¿¹Â´ÏÄÉÀ̼ÇÀ» ´ã´çÇÏ´Â ¼ö¼® ´ëº¯ÀÎÀÌÀÚ ¾÷°è ³» Çù¾÷°ú ȸ¿ø Áõ´ë ¾÷¹«¸¦ ´ã´çÇÏ°í ÀÖ´Ù. Áö³­ ¼ö ½Ê³â µ¿¾È ±ÝÀ¶¾÷ Á¾»ç °æ·ÂÀ» Áö´Ñ ±×´Â ä±Ç Ãß½É, ´ëÃâ ¹× NFCC ÀÎÁõ ½Å¿ë »ó´ãÀڷμ­ÀÇ Àü¹® °æÇèÀ» ¹ÙÅÁÀ¸·Î °³ÀÎ ½Å¿ë ¹× 乫 °ü·Ã ¾ð·Ð ´ë¿Üº¸µµ ¾÷¹«¸¦ À̲ø°í ÀÖ´Ù. Áö±Ý±îÁö ¼ö õ¸íÀÇ °í°´À» ´ë»óÀ¸·Î 1:1 À繫»ó´ãÀ» ÁøÇàÇÑ ¹Ù ÀÖ°í, À繫 Æ®·¹À̳ʸ¦ Á÷Á¢ ¾ç¼ºÇßÀ¸¸ç, ½Å¹®ÀâÁö ¹× ¹æ¼Û¸Åü¸¦ ÅëÇØ ¼ö ¹é¸¸¸íÀ» ´ë»óÀ¸·Î ´ë¿Üº¸µµ¸¦ ÁøÇàÇÏ°í ÀÖ´Ù.

Bruce McClary is the Senior Vice President of Membership and Communications for the National Foundation for Credit Counseling (NFCC). As the lead spokesperson, Bruce provides communications support for the largest and longest-serving network of nonprofit credit counseling organizations in the United States. He also manages activities focused on industry collaboration and membership growth. With decades of experience in the financial service sector, Bruce often draws upon his direct experience as a debt collector, lender, and NFCC Certified Credit Counselor when speaking with journalists about personal finance matters. During his career, he has provided one-on-one financial counseling to thousands of consumers, trained financial educators, and reached millions more through print and broadcast media.

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Àü¹Ì½Å¿ë»ó´ãÇùȸ(NFCC)´Â ¹Ì±¹ ÃÖ´ë ±Ô¸ð ¹× ÃÖ°í ¿ª»ç¸¦ ÀÚ¶ûÇÏ´Â ºñ¿µ¸® ¹Î°£ ½Å¿ë»ó´ã±â±¸ÀÌ´Ù. 1951³â ⸳µÈ NFCC´Â ¼ö ¹é¸¸¸íÀÇ °³ÀÎÀ» ´ë»óÀ¸·Î ±ÝÀ¶ ¹× ½Å¿ë ¹®Á¦ ÇØ°á Áö¿ø ¼­ºñ½º¸¦ Á¦°øÇÑ´Ù. º» ¹ßÇ¥¿¡¼­´Â ¹Ì±¹ ³» ºñ¿µ¸® ½Å¿ë»ó´ã ÇöÀç »óȲÀ» ¤¾î º¸°í, NFCC ¡°Ã¤¹«°ü¸®°èȹ¡± ÇÁ·Î±×·¥°ú µ¿ ÇÁ·Î±×·¥ÀÇ °³ÀÎ ½Å¿ëȸº¹ ºÎ¹®¿¡¼­ÀÇ ¿µÇâ·Â ¹× º¯È­ÇÏ´Â °í°´ ´ÏÁî ÃæÁ·À» À§ÇÑ º¸´Ù ´Ù¾çÇÑ ´ë¾È Á¦°ø È¿°ú µîÀ» ÁßÁ¡ ¼Ò°³ÇÑ´Ù. ¶ÇÇÑ NFCC ¡°À繫¿ª·®°­È­¡± ÇÁ·Î±×·¥ÀÇ »ó´ã È¿°ú¸¦ ºÐ¼®ÇÑ Ohio State UniversityÀÇ ¿¬±¸°á°ú, 2022³â ÇϹݱâ ÁøÇà ÁßÀÎ »ó´ã ÇÁ·Î±×·¥ ÇöȲ, ºñ¿µ¸® ½Å¿ë »ó´ã ÇÁ·Î±×·¥ÀÇ ¼ö¿ä Áõ´ë¸¦ ÃÊ·¡ÇÒ ¼ö ÀÖ´Â °Å½Ã °æÁ¦Àû Æ®·»µå µîÀ» ¼Ò°³ÇÑ´Ù.

ƯÈ÷, Ohio State University ¿¬±¸°á°ú´Â NFCC ÀÎÁõ ½Å¿ë »ó´ã»ç Ä«¿î¼¿¸µ ÀÌ¿ë °í°´ÀÇ °³Àνſë°ü¸® Á¦¹Ý¿ª·®ÀÌ °­È­µÇ¾úÀ½À» º¸¿©Áִµ¥, ƯÈ÷ ¸®º¼ºù 乫 µî ÃÑ Ã¤¹«¾×, °³ÀÎÀ繫°ü¸® ¿ª·®, À繫½Å¿ëµµ µîÀÌ Ä«¿î¼¿¸µ ¹ÌÀÌ¿ë ´ëÁ¶±×·ì¿¡ ºñ±³ÇØ ¿ùµîÈ÷ °³¼±µÈ °ÍÀ¸·Î Á¶»çµÇ¾ú´Ù. 6,094¸íÀÇ ¡°À繫¿ª·®°­È­¡± ÇÁ·Î±×·¥ Âü¿©ÀÚ¿Í 6,005¸íÀÇ ÇÁ·Î±×·¥ ¹ÌÂü¿© À¯»ç±×·ìÀ» ´ëÁ¶ Æò°¡ÇÑ º» ¿¬±¸¿¡¼­´Â ÇÁ·Î±×·¥ Âü¿© ±×·ìÀÇ ÃÑ Ã¤¹« °¨¼Ò¾×Àº ¾à $9,000·Î, µ¿ ±â°£ µ¿¾È ¿ÀÈ÷·Á 乫 Áõ°¡¼¼¸¦ º¸ÀÎ ´ëÁ¶ ±×·ì ´ëºñ $11,300 »ó´çÀÇ Ã¤¹« °¨¼Ò °á°ú¸¦ º¸¿´´Ù. ¶ÇÇÑ, ÃÖ±Ù Á¶»ç°á°ú¿¡¼­µµ ¡°Ã¤¹«°ü¸®°èȹ¡± ÇÁ·Î±×·¥ Âü¿©ÀÚµéÀÇ 1³â 乫»óȯ±â·ÏÀÌ ÇÁ·Î±×·¥ ¹ÌÂü¿©ÀÚ ´ëºñ »ó´çÈ÷ °³¼±µÇ¾úÀ½À» º¸¿©ÁØ´Ù. ±âÁس⵵·ÎºÎÅÍ 1³â ±â°£ µ¿¾È, µ¿ ÇÁ·Î±×·¥ Âü¿©ÀÚÀÇ ¸®º¼ºù 乫»óȯ Æò±Õ¾×Àº $858Àε¥ ¹ÝÇØ, ´ëÁ¶ ±×·ìÀÇ °æ¿ì ¸®º¼ºù 乫Àܾ×ÀÌ ¿ÀÈ÷·Á $54 Áõ°¡ÇÏ¿´°í µ¿ ÇÁ·Î±×·¥ ¹ÌÂü¿© °í°´ÀÇ °æ¿ì $16 °¨¼Ò¿¡ ±×ÃÆ´Ù.

The National Foundation for Credit Counseling (NFCC) represents the largest and oldest association of nonprofit credit counseling agencies in the United States. Since 1951, the NFCC served as a pathway for millions of people to overcome their financial struggles.

This presentation will examine the current state of nonprofit credit counseling in the United States, with a specific emphasis on the Debt Management Plan (DMP), it¡¯s impact, and the potential to expand options to meet the changing needs of consumers. Included in the presentation are findings from The Ohio State University research on counseling outcomes of the NFCC Sharpen Your Financial Focus program. Other data include recent reporting on counseling sessions conducted in the second quarter of 2022 as well as information about broader economic trends influencing potential demand for nonprofit credit counseling programs.

The Ohio State University research proved that individuals counseled by NFCC Certified Credit Counselors perform better on a variety of credit outcomes, most notably, showing improvement in levels of revolving debt and total debt, better money management and improved financial confidence as compared to a control group of consumers who did not receive the counseling. Through a comparative evaluation, matching 6,094 Sharpen clients to a group of 6,005 similar non-counseled individuals, those who received counseling reduced their total debt by almost $9,000?a statistically significant reduction of $11,300 more than the comparison group, whose total debt increased slightly during the same period. Furthermore, recent research proves that those enrolled in a DMP experience considerably more progress repaying their debt that non-DMP individuals during a one-year period. Within one year after baseline, the average DMP consumer pays off $858 in their revolving debt balance, compared to an increase in debt of $54 for consumers in the comparison group and a decline of only $16 for non-DMP counseled consumers.

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Stuart Stamp ¹Ú»ç´Â µ¶¸³ »çȸÇÐ ¿¬±¸ÀÚÀÌÀÚ Maynooth University ÀÀ¿ë»çȸÇаú ¿¬±¸¿øÀ¸·Î ÀçÁ÷ ÁßÀÌ´Ù. ºÒ°øÁ¤ µî ÀαÇÀû Ãø¸é¿¡¼­ÀÇ °³ÀÎ °ú´ÙºÎä¿Í ±ÝÀ¶¼Ò¿Ü¸¦ Àü¹®ÀûÀ¸·Î ¿¬±¸ÇÏ°í ÀÖÀ¸¸ç, ¾ÆÀÏ·£µå¿Í ¿µ±¹ ³» °³ÀÎ °ú´Ù乫ÀÚ Áö¿ø ¼­ºñ½º ±¸Ãà°ú »ç·ÊÁ¶»ç, Á¶À², Áö¿ø/¿ª·®±³À° µî¿¡ Âü¿©ÇÑ ¹Ù ÀÖ´Ù. ÃÖ±Ù ÁßÁ¡ ¿¬±¸ ºÐ¾ß´Â À̵é À̽´ °ü·Ã ¿¬±¸ ¹× Á¤Ã¥ºÐ¼®À¸·Î, Combat Poverty Agency, Citizens Information Board, Money Advice and Budgeting Services (MABS), Dublin Region Homeless Executive, Free Legal Advice Centres (FLAC) µî °³Àνſëȸº¹ ±â°üÀÇ ¿¬±¸º¸°í¼­¸¦ ´Üµ¶ ¹× °øµ¿ ÁýÇÊÇÑ ¹Ù ÀÖ´Ù. ´õºÒ¾î, °³Àνſëȸº¹ °ü·Ã ¾ÆÀÏ·£µå ¹× ±¹Á¦ ÄÁÆÛ·±½º, ¿¬±¸ ÇÁ·ÎÁ§Æ®, Çмú³í¹® ¹× Àú¼­ ÁýÇÊ, Á¤Ã¥ÀÚ¹® È°µ¿À» Àû±Ø ÆîÄ¡°í ÀÖ´Ù.

±×´Â ¹ýÇÐ ÇÐÀ§, ¼ÒºñÀÚ ºÎ¹® ÁØÇлç ÇÐÀ§, Ä¿¹Â´ÏÄÉÀÌ¼Ç ¹× ¹®È­ÇÐ ¼®»çÇÐÀ§, ÀÀ¿ë»çȸÇÐ ¹Ú»çÇÐÀ§ º¸À¯ÀÚ·Î, ÇöÀç Maynooth University »çȸ°úÇаúÁ¤ ÇÐ»ç °­ÀǸ¦ ´ã´ç ÁßÀ̸ç Ulster University MABS Á÷¿ø ´ë»ó °³ÀÎÀ繫°ü¸® °í±Þ ÁØÇÐ»ç °úÁ¤ °­ÀǸ¦ ´Ù ³â°£ ÁøÇàÇÑ ¹Ù ÀÖ´Ù. ÇöÀç À¯·´ °³ÀÎ乫 ³×Æ®¿öÅ©(European Consumer Debt Network, ECDN), À¯·´ ºñÁ¤ºÎ ±â°ü Finance Watch, Financial Inclusion EuropeÀÇ È¸¿øÀ¸·Î È°µ¿ ÁßÀÌ´Ù.

Dr. Stuart Stamp is an Independent Social Researcher and Research Associate of the Department of Applied Social Studies at Maynooth University. His main areas of interest are personal over-indebtedness and financial exclusion from an inequality and human rights perspective. He has helped to establish services in both Ireland and the UK to assist people who are over-indebted, and has worked in casework, co-ordination and support/training capacities.

In recent years, Stuart has focused more on research and policy analysis on these topics. He has authored/co-authored studies for the Combat Poverty Agency, Citizens Information Board, Money Advice and Budgeting Services (MABS), Dublin Region Homeless Executive, and for the Free Legal Advice Centres (FLAC); he has further contributed to a number of national and international conferences, research projects, academic resources and policy consultations on personal debt issues.

Stuart holds a Law degree, a Diploma in Consumer Affairs, an MA in Communication and Cultural Studies and a PhD in Applied Social Studies. He lectures on the BA. Social Science programme at Maynooth University and tutored for many years on the Advanced Diploma in Money Advice Practice for MABS staff at Ulster University. He is a member of the European Consumer Debt Network (ECDN), Finance Watch (a European Non-Governmental Organisation) and Financial Inclusion Europe.

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º» ¹ßÇ¥¿¡¼­´Â ¾ÆÀÏ·£µå, ¿µ±¹, ÇÁ¶û½º, µ¶ÀÏ µî À¯·´ 4°³±¹ÀÇ À繫»ó´ã, 乫»ó´ã, 乫°ü¸® ¸ðµ¨À» ºñ±³ ´ëÁ¶ ºÐ¼®ÇÏ¿© ¾òÀº ¸ð¹ü»ç·Ê¿Í ±³ÈÆÀ» ¼Ò°³ÇÑ´Ù. À繫»ó´ã°ú 乫»ó´ãÀº ÀÌµé ±¹°¡°¡ °øÅëÀûÀ¸·Î Á¦°øÇÏ´Â ÇÙ½ÉÁö¿ø ¼­ºñ½ºÀÌÁö¸¸, À繫»ó´ãÀ̶ó´Â ¿ë¾î´Â °ú´Ù乫ÀÚ »ó´ãÀ¸·Î ºñÃçÁú ¿ì·Á°¡ ÀÖ¾î º¸´Ù ±¤¹üÀ§ÇÑ ¿ë¾îÀÎ ¡°±ÝÀ¶»ó´ã¡±ÀÌ ¼±È£µÇ´Â ÆíÀÌ´Ù. ÀÌ µÎ »ó´ã ºÎºÐÀº ±âº»¿øÄ¢, »ó´ã½Ç¹« Á¢±Ù¹ý ¹× ÀýÂ÷ ¸é¿¡¼­ ´ëµ¿¼ÒÀÌ Çϳª, »ó´ã ±¸Á¶, Àç¿ø¸¶·Ã ¹× Á¤Ã¥Á¶Á¤ µîÀÇ ¸é¿¡¼­´Â ÁÖ¸ñÇÒ ¸¸ÇÑ Â÷À̸¦ º¸ÀδÙ.

½Å±Ô ¿¬±¸±×·ì¿¡ µû¸£¸é, ±ÝÀ¶»ó´ã ¼­ºñ½º´Â °³ÀÎ/°¡°è ¹× »çȸÀû Â÷¿ø¿¡¼­ »ó´çÇÑ ÆıÞÈ¿°ú¸¦ Áö´Ï°í ÀÖÀ½¿¡µµ »çȸ°æÁ¦Àû ±âÀú À̽´·Î ÀÎÇØ ±× È¿°ú¿¡ ÇÑ°è°¡ ÀÖ´Â °ÍÀ¸·Î Á¶»çµÈ´Ù. ÀÌ¿¡, ±ÝÀ¶»ó´ã ¼­ºñ½º´Â ÀαÇ, ¿ª·®°­È­, ÆòµîÀ̶ó´Â ±âº» ¿øÄ¢°ú ÀýÂ÷¿¡ ÀÔ°¢ÇÏ¿© ä±ÇÀÚ°¡ ±â¿©ÇÏ°í, ±¹°¡Á¤Ã¥ ÁÖµµÇüÀÇ ¹ýÁ¦È­µÈ Áö¿ªÁßÁ¡ °ø°ø ¼­ºñ½º ÇüÅ·ΠÁ¦°øÇÒ °ÍÀÌ ±ÇÀåµÈ´Ù. ¿µÇâÆò°¡ ¿ª½Ã »çÀü ¼³°èµÇ¾î Çʼö ÁøÇàµÇ¾î¾ß ÇÒ °ÍÀÌ´Ù. 乫°ü¸®/°³ÀÎȸ»ý ½Ã½ºÅÛ ºÎ¹®°ú °ü·ÃÇÏ¿© ¸ñÀû, Á¢±Ù¼º, ÀýÂ÷, ÁöºÒÀ¯¿¹, Çʼö »ýÈ°ºñ, º¯Á¦ µî À̷בּ¸¿¡ ÀÖ¾î ¸ð¹ü»ç·Ê ¿øÄ¢µéÀÌ Áö¼Ó µµÃâµÇ°í ÀÖ´Ù. ºÒº¹Ã»±¸ ±ÇÇÑ ÇÏ¿¡ ä±ÇÀÚ ÇÕÀǸ¦ ºÎ°úÇÒ ¼ö ÀÖ´Â ±â°ü ¼³¸³µµ ±ÇÀåµÇ´Â ¹ÙÀÌ´Ù. ¼ÒµæÀ̳ª ÀÚ»êÀÌ Á¦ÇÑÀûÀ̰ųª 乫º¯Á¦¸¦ °¨´çÇϱ⠾î·Á¿î ä±ÇÀÚ¸¦ À§ÇÑ ÁßÁ¡Áö¿ø¾ÈÀ» Á¦°øÇØ ºó°ïÀ¸·Î ÀÎÇÑ ÆÄ»êÀ» ¹æÁöÇÏ´Â °ÍÀÌ ÀûÀýÇÒ °ÍÀÌ´Ù.

±ÝÀ¶»ó´ã°ú 乫»ó´ãÀÇ °ü°è´Â ÀüÀÚ°¡ ÈÄÀÚ¸¦ º¸¿Ï¡¤Áö¿øÇÏ´Â ÇüÅ·ΠÁ¦°øµÇ¾î ÀÌ¿ëÀÚ ÀÔÀåÀ» °øÁ¤ÇÏ°Ô ´ëº¯ÇÒ ¼ö ÀÖ´Â ¼­ºñ½º ¿µ¿ªÀÌ º¸ÀåµÇ¾î¾ß ÇÒ °ÍÀÌ´Ù. À̸¦ ÅëÇØ ¹ýÁ¦Àû ÀýÂ÷¸¦ ¿øÄ¡ ¾Ê´Â À̵éÀº ÀÚ¹ßÀû ´ë¾ÈÀ» ¸ð»öÇÒ ¼ö ÀÖÀ» °ÍÀ̸ç 乫ÀÚ°¡ °Þ´Â ÈûÀÇ ºÒ±ÕÇüµµ ÇؼÒÇϴµ¥ µµ¿òÀ» µÉ °ÍÀÌ´Ù.

My presentation focuses on lessons and good practices that can be learned from comparing and contrasting differing models of provision of financial advice, debt counselling and debt management in four European countries, namely: Ireland, the United Kingdom, France and Germany.

Both financial advice and debt counselling are commonly core elements of service delivery, but the former is less likely to be used discretely, primarily in light of the consequences of over-indebtedness; hence the over-arching term ¡°money advice¡± is preferred. There is further common ground in terms of founding principles, practitioner approach and processes, but noticeable differences in terms of structure, funding and co-ordination. An emerging body of research suggests that money advice services have considerable impacts, both at individual/household and societal levels, but that these tend to be militated by underlying socio-economic issues. A publicly provided, creditor-contributory, nationally co-ordinated, community-focused, statutory-based structure is recommended, based on principles and processes which espouse human rights, empowerment and equality. Impact evaluation should be "designed-in".

As regards debt management/personal insolvency systems, a series of good practice principles emerge from the work of theorists covering aims, access, process, moratoria, essential living expenses, and debt discharge. A body able to impose settlements on creditors, subject to a right of appeal into the courts, is recommended. For those debtors with limited/no surplus income and assets, targeted options are appropriate to ensure that no one is too poor to become insolvent.

As to the relationship between ¡°money advice¡± services and ¡°debt management¡± systems, the work of the former should inform, compliment and support that of the latter, while allowing space for services to advocate independently on behalf of clients. Such a role ensures that a voluntary alternative is pursuable by those wishing to avoid a statutory procedure, and helps to address the power imbalance experienced by debtors.