2026_006_RFP Constituent Financial Empowermen.pdf

Department of Purchasing and Contracting

Maloof Administration Building, 1300 Commerce Drive, 2nd Floor, Decatur, Georgia 30030

February 16, 2026

REQUEST FOR PROPOSALS (RFP)

FOR

CONSTITUENT FINANCIAL EMPOWERMENT SERVICES

(Three (3) Year Multiyear Contract with

One (1) Option to Renew)

DEKALB COUNTY, GEORGIA

Solicitation No.:

Procurement Agent:

2026-006-RFP

Yesenia Diaz

Email: ydiaz@dekalbcountyga.gov

Mandatory DeKalb First LSBE Meeting:

(Responders must attend 1 meeting on either of the dates listed.)

February 18, 2026, February 25, 2026, or March 4, 2026 (Meetings are held at 10:00 A.M. and 2:00 P.M.)

For attendance instructions, utilize the following link:

https://www.dekalbcountyga.gov/purchasing-contracting/general-information

Non-Mandatory Pre-Proposal Conference:

2:30 P.M. ET, February 24, 2026 (Zoom Webinar):

https://dekalbcountyga.zoom.us/webinar/register/WN_jO5p2 OhNRQOgacQI4JmR8Q

Deadline for Submission of Questions: 5:00 PM ET, March 2, 2026 Deadline for Receipt of Proposals: 3:00 PM ET, March 19, 2026 Proposal Opening: 3:00 PM ET, March 19, 2026 (Zoom Webinar:)

https://dekalbcountyga.zoom.us/webinar/register/WN_thNw KItlTcKSxU4XLMtS2A

Proposal Validity Period: 150 Days

THE RESPONSIBILITY FOR SUBMITTING A RESPONSE TO THIS RFP TO THE

DEPARTMENT OF PURCHASING AND CONTRACTING OF DEKALB COUNTY

GOVERNMENT ON OR BEFORE THE STATED DATE AND TIME WILL BE SOLELY AND

STRICTLY THE RESPONSIBILITY OF THE RESPONDER.

Solicitation No.

2026-006-RFP

TABLE OF CONTENTS

Section Page

I. Introduction II. Scope of Work III. Proposal Format

A. Cost Proposal B. Technical Proposal C. DeKalb First Ordinance D. Federal Work Authorization Program

IV. Criteria for Evaluation V. Contract Administration

A. Standard County Contract B. Submittal Instructions C. Non-Mandatory Pre-Proposal Conference D. Questions E. Acknowledgement of Addenda F. Proposal Duration G. Project Director/Contract Manager H. Expenses of Preparing Responses to this RFP I. Georgia Open Records Act J. First Source Jobs Ordinance K. Business License L. Ethics Rules M. Right to Audit N. Cooperative Agreement

VI. Award of Contract Attachment A. Scope of Work Attachment B. Cost Proposal Form Attachment C. Contractor Affidavit Attachment D. Subcontractor Affidavit Attachment E. Sub-subcontractor Affidavit Attachment F. Contractors Reference and Release Form Attachment G. Subcontractor Reference and Release Form Attachment H. DeKalb First LSBE Information & Exhibits Attachment I. First Source Jobs Ordinance Information & Exhibits Attachment J. County’s Sample Contract Attachment K. Proposal Cover Sheet

I. INTRODUCTION

A. Purpose:

DeKalb County Government (the County) seeks electronic proposals from qualified individuals and firms with experience in homeownership counseling, financial literacy and credit counseling, and facilitation of technical assistance for small businesses and entrepreneurs for Solicitation No. 2026-006-RFP Constituent Financial Empowerment Services (Three (3) Year Multiyear Contract with One (1) Option to Renew).

B. DeKalb County General Overview

Population Growth and Demographic Context

DeKalb County is one of the most populous and dynamic counties in the State of Georgia. As of the most recent estimates, the County’s population is approximately 770,000 residents, maintaining its status as Georgia’s fourth-most populous county and a key component of the Atlanta metropolitan statistical area. Annual estimates reflect ongoing, steady growth— consistent with broader regional expansion in the 11-county Metro Atlanta area, which has added tens of thousands of residents in recent years as part of continued suburban and exurban expansion.

The County exhibits notable racial, ethnic, and cultural diversity. Black or African American and White residents compose the two largest demographic groups, with meaningful representation from Asian, Hispanic, and other populations as well. A significant share of County residents are foreign-born, reflecting both local diversity and broader immigration patterns in the region.

Municipal Presence and Local Governance

DeKalb County is home to 13 operating municipalities, each with its own government and community identity, while unincorporated areas also contribute substantially to the County’s overall character. These municipalities range from small, historic cities to larger suburban centers and include:

Atlanta (portion within DeKalb County) Avondale Estates Brookhaven Chamblee Clarkston Decatur Doraville Dunwoody Lithonia Pine Lake Stonecrest Stone Mountain Tucker

This network of cities contributes to the County’s governance complexity and economic vibrancy, with each municipality fostering local services, business environments, and community development initiatives that align with distinct resident and stakeholder needs.

Economic Diversity and Growth

DeKalb County’s economy is characterized by robust sector diversity, a sizeable employment base, and a mix of industries that support both urban and suburban economic activity. Key economic attributes include:

A median household income around the mid-$70,000s, illustrating a relatively strong earnings profile compared with statewide averages, even as income variation persists across communities and income brackets within the County.

A substantial number of employer establishments and associated employment across sectors such as retail, transportation, health care, professional services, and logistics.

Continued employment and business growth as reflected in recent employment increases and payroll expansion, pointing toward economic resiliency and opportunity within the County.

The presence of major institutions and employers in and around DeKalb County—such as Emory University, healthcare systems, research organizations, and proximity to Atlanta’s major corporate hubs—amplifies local economic activity and contributes to job creation and investment. These assets support a broad economic base that spans education, healthcare, professional services, government, and entrepreneurial ventures.

Economic Diversity in Practice

DeKalb’s economic landscape includes:

Residential and commercial development across a mix of inner-ring and outer-suburban communities.

Small business ecosystems supported by local chambers, development authorities, and business incubator activity.

A range of household incomes, translating into diverse consumer markets and workforce talent pools.

A blend of service, retail, and knowledge-based sectors that collectively support a resilient economic environment.

This diversity supports both stability and growth potential as the County continues to attract new residents, businesses, and investment across multiple industries.

Outlook

DeKalb County’s demographic trajectory and economic profile position it as a critical component of the broader Atlanta region’s growth. Projections anticipate continued population increases in the coming decades, signaling sustained demand for housing, services, and economic opportunity.

Together, the County’s population growth, diverse municipalities, and multifaceted economy underscore its prominence within the Atlanta metropolitan area and its strategic importance for long-term regional development planning.

C. Statement of Need and Rationale

DeKalb County, Georgia is a diverse and economically dynamic jurisdiction within the Atlanta metropolitan region. Despite sustained population growth, expanding employment opportunities, and a strong base of small businesses and institutions, many County residents and entrepreneurs continue to face structural barriers to long-term financial stability, wealth creation, and economic mobility. Homeownership counseling, financial literacy and credit counseling, and small business technical assistance represent proven, evidence-based strategies for addressing these challenges in a coordinated and cost-effective manner.

Need for Homeownership Counseling

Homeownership remains one of the most significant pathways for household wealth accumulation and long-term housing stability. However, DeKalb County’s homeownership rate lags behind state and national averages, reflecting persistent barriers related to credit readiness, affordability, and access to accurate information about the homebuying process.

These gaps are particularly pronounced among first-time homebuyers and historically underserved populations.

DeKalb County owner-occupied rate (2019–2023): 58.5% Georgia owner-occupied rate (2019–2023): 65.4% United States owner-occupied rate (2019–2023): 65.0%

This difference matters because even a modest “ownership gap” across a large county such as DeKalb County translates into thousands of households who are renting rather than building equity—often while facing rising housing costs and tighter mortgage qualification standards.

Research conducted and compiled by the U.S. Department of Housing and Urban Development (HUD) demonstrates that pre-purchase and post-purchase housing counseling can improve mortgage readiness, support informed borrowing decisions, and reduce the risk of delinquency and foreclosure. Housing counseling is therefore not only a tool for increasing access to homeownership, but also a risk-mitigation strategy that promotes sustainable ownership, neighborhood stability, and reduced downstream public costs associated with housing instability.

For DeKalb County constituents, access to high-quality homeownership counseling supports informed decision-making, strengthens long-term affordability, and helps ensure that gains in homeownership translate into durable wealth-building outcomes rather than financial distress.

Need for Financial Literacy and Credit Counseling

Household financial capability is foundational to economic mobility, housing stability, and resilience in the face of economic shocks. While DeKalb County benefits from a relatively strong regional economy, aggregate income measures obscure significant variation in household financial security, credit profiles, and access to mainstream financial products.

National and regional research consistently shows that structured financial counseling and coaching—particularly when paired with individualized action planning—can improve budgeting behaviors, reduce high-cost debt, and produce measurable improvements in credit outcomes. Federal agencies and research institutions have documented that these services help households stabilize finances, increase savings, and improve readiness for major financial milestones such as homeownership or business investment. For example:

Urban Institute evaluations of financial coaching programs show improvements in financial behaviors and, in some settings, measurable credit score gains for participants who received coaching.

The Consumer Financial Protection Bureau (CFPB) reports outcomes and lessons from its Financial Coaching Initiative, citing gains in areas such as money management and objective indicators of financial health for participating consumers.

Within the Atlanta metropolitan region, which has been identified in multiple studies as exhibiting relatively low levels of upward economic mobility for lower-income households, financial literacy and credit counseling are especially important. For DeKalb County residents, these services help translate income into stability, reduce vulnerability to financial shocks, and create clearer pathways to asset-building opportunities.

Need for Small Business and Entrepreneur Technical Assistance

Small businesses and entrepreneurs are central to DeKalb County’s economic vitality, job creation, and neighborhood-serving commercial activity. However, many small businesses— particularly startups and minority-owned enterprises—face challenges related to business planning, financial management, regulatory compliance, and access to capital. These challenges can limit firm survival, constrain growth, and reduce the broader economic benefits that local enterprises can generate.

Research and program evaluations at the national level indicate that management counseling and technical assistance are associated with improved small business survival rates, revenue growth, and employment outcomes. Technical assistance helps entrepreneurs strengthen core business fundamentals, prepare for financing, and navigate complex regulatory and market environments. These outcomes, in turn, support household income stability for business owners and employees, while contributing to vibrant commercial corridors and local tax bases.

Note:

A frequently cited study in Technovation examined the effects of counseling hours on firm survival and growth, finding evidence that technical assistance is associated with improved outcomes for small firms.

National and state Small Business Development Center (SBDC) impact studies report that assisted clients generate sales and employment impacts and that the benefits can exceed program operating costs—supporting the case for structured technical assistance as an economic development tool.

Small Business Administration (SBA) also emphasizes the role of counseling/mentoring and assistance in helping firms survive and grow, aligning with the County’s interest in sustaining local enterprises over time.

For DeKalb County, facilitating access to coordinated, high-quality small business technical assistance aligns with broader economic development goals by strengthening locally rooted enterprises and supporting inclusive economic growth.

Rationale for Coordinated Services: One “Pipeline” for Mobility and Stability

When delivered in a coordinated manner, homeownership counseling, financial literacy and credit counseling, and small business technical assistance function as complementary components of a broader economic mobility and stability strategy. Financial counseling improves credit and cash-flow readiness; homeownership counseling converts readiness into sustainable asset ownership; and small business technical assistance supports income generation, job creation, and community-serving enterprises.

Providing these services to DeKalb County constituents is supported by a substantial body of research and aligns with best practices in housing stabilization, financial capability building, and local economic development. Together, these interventions help address disparities in homeownership, strengthen household and business resilience, and promote long-term economic sustainability across the County.

D. Expectations and Deliverables

The selected contractor shall be responsible for comprehensive program management and administration, including staffing and credentialing of qualified personnel; participant intake, assessment, and eligibility verification; scheduling and coordination of services; secure maintenance of confidential records; compliance with all applicable federal, state, and local requirements; and ongoing coordination with DeKalb County staff and designated partners.

The contractor shall also implement robust data collection and performance monitoring systems to track service delivery and outcomes. This shall include reporting on the number of individuals and businesses served, types and duration of services provided, improvements in credit and financial benchmarks, homeownership readiness and sustainability outcomes, small business formation or growth indicators, and referrals completed. Reports shall be submitted at intervals specified by DeKalb County and shall include both quantitative metrics and qualitative narrative analysis.

Minimum deliverables shall include a program implementation plan and service delivery schedule; counseling curricula and educational materials; participant intake, assessment, and action-planning tools; periodic performance and outcome reports; and a final summary report documenting results, lessons learned, and recommendations.

The services shall commence within thirty (30) calendar days after receipt of a written Notice to Proceed and shall be performed during an initial three (3) year contract term, with one (1) option to renew for an additional year effective upon adoption and approval by the DeKalb County Governing Authority and the Contractor in accordance with the terms of the Contract.

E. Required Documents

The following Required Documents Checklist includes a list of attachments which are requested to be completed and returned with the Responder’s technical proposal:

Required Documents Attachment Cost Proposal Form (1 copy, separate from Technical Proposal)*

B

Contractor Affidavit C Subcontractor Affidavit (if applicable) D Sub-subcontractor Affidavit (if applicable) E Contractor Reference and Release Form F Subcontractor Reference and Release Form (make additional copies as needed)

G

DeKalb First LSBE Documents – Exhibits 1 and 2* H First Source Jobs Ordinance Acknowledgement Form I New Employee Tracking Form I Proposal Cover Sheet* K Business License - Copy of HUD-Certified Housing Counselor Certification *

*Failure to complete and return these attachments with your proposal will render your proposal non-responsive.

II. SCOPE OF WORK

Contractor shall provide services as defined in Attachment A, Scope of Work, attached hereto and included herein by reference.

III. PROPOSAL FORMAT

Responders are required to submit their proposals in the following format:

A. Cost Proposal

1. The cost proposal must be submitted electronically in a separate pdf via the County eProcurement Portal at https://procurement.opengov.com/portal/dekalbcountyga, for, “Solicitation No. 2026-006-RFP Constituent Financial Empowerment Services (Three

(3) Year Multiyear Contract with One (1) Option to Renew)”.

2. The pdf containing the cost proposal should be uploaded separately as an additional attachment and should not be included with the technical proposal documents.

3. DO NOT INCLUDE FEES OR COSTS IN ANY AREA OUTSIDE OF THE COST

PROPOSAL. Including fees in any area outside of the Cost Proposal in its separate attachment shall result in Responder’s proposal being deemed non-responsive.

4. Responders are required to submit their costs on Attachment B, Cost Proposal Form.

Responder shall not alter the Cost Proposal Form.

B. Technical Proposal

1. Responders should complete Attachment K, Proposal Cover Sheet, and include this as the first page of the technical proposal, followed by the Introduction, Technical Approach, Project Management, Organizational Qualifications, Personnel, Financial Responsibility, References, and the remaining required documents (see Section I. E. for the list of required documents). To ensure that all requested information is captured in the proposal, Responder should use the format as provided below to respond to this RFP. The Technical Proposal shall not contain any cost information, or the proposal will be deemed non-responsive.

Technical Proposals must be submitted electronically via the County eProcurement Portal at https://procurement.opengov.com/portal/dekalbcountyga.

DO NOT INCLUDE ANY COSTS OF ANY KIND IN THE TECHNICAL PROPOSAL

2. Introduction:

Provide general information about your company to include:

a. Firm name and address;

b. Former firm names, joint venture information, out of state offices, as applicable;

c. A statement of which office shall handle the project, if multiple offices exist;

d. A statement of whether you are a DeKalb County firm or not;

e. A clear and concise response as to why the County should select your firm for this project;

f. A list of any litigations, arbitrations, or mediations in which the firm has been involved in the past five (5) years involving claims for more than $50,000 made by a County against the firm or by the firm against the County, and indicate the disposition of each claim, the name of the County, and the nature of the claim; and

g. A statement that the proposal shall remain in effect for and not be withdrawn for one-hundred fifty (150) days after the due date to the County.

3. Technical Approach:

a. Responders are required to describe the procedures and methods that will achieve the required outcome of the project as specified herein;

b. Include a listing of the County’s responsibilities and the Responder’s responsibilities required to complete the project; and

c. Provide a project schedule at the task level starting with the receipt of the Notice to

Proceed and ending with project completion.

d. Sample Curriculum and Course Examples:

Responders shall submit representative samples of curriculum materials, course outlines, or instructional content relevant to the services proposed under this RFP, including but not limited to homeownership counseling, financial literacy and credit counseling, and/or small business technical assistance. Samples may include agendas, learning objectives, participant materials, or workshop outlines.

Submitted samples will be used for evaluation purposes only.

4. Project Management:

a. Describe how the project will be organized and managed;

b. Describe progress reporting procedures for the project;

c. Include the anticipated use of subcontractors or vendors; and

d. Describe the resources necessary to accomplish the purpose of the project.

5. Personnel:

a. Identify the individuals who will be part of the project team and indicate the specific task level at which each will contribute;

b. Include any outside personnel, such as subcontractors; and

c. Provide detailed resumes of team members and subcontractors who will be directly working on the project, including documentation of required certifications, as applicable.

6. Organizational Qualifications:

a. Describe Responder’s experience, capabilities, and other qualifications for this project.

i. Minimum five (5) years of relevant experience providing homeownership counseling, financial literacy, credit counseling, and/or small business technical assistance.

ii. Qualified staff with appropriate certifications, training, and professional credentials, including at least one (1) HUD-Certified Housing Counselor, as defined by the U.S. Department of Housing and Urban Development (HUD), must be assigned to deliver housing counseling services. Other related certifications are preferred but not mandatory.

iii. Experience serving diverse and underserved populations including participation in community-based outreach or engagement efforts.

iv. References and/or identification of prior or existing consulting clients, partners, and/or partnership engagements.

v. Capacity to deliver services within DeKalb County.

vi. Strong data tracking, performance measurement, and reporting capabilities.

b. State number of years Responder has operated under current company name; and

c. State whether the Responder has ever been debarred, suspended, proposed for debarment, declared ineligible, or voluntarily excluded by any Federal department or agency from doing business with the Federal Government.

7. Financial Responsibility:

a. Responder must provide financial statements for the last three (3) years that evidences the responder’s financial capabilities to perform the scope of work.

(Audited statements are preferable but a minimum of balance sheet, income statement and cash flow statement may be accepted.); and

b. Provide year of incorporation/establishment.

8. References:

a. Responder shall provide three (3) references for projects similar in size and scope to the project specified herein using the Contractor Reference and Release Form attached hereto as Attachment F; and

b. Provide three (3) references for each subcontractor proposed as a part of the project team. The references shall be for the same or similar types of services to be performed by the subcontractor (including LSBE-DeKalb and LSBE-MSA firms) on projects similar in size and scope to the project outlined in this RFP. Use Attachment G, Subcontractor Reference, and Release Form. Make additional copies as needed.

C. DeKalb First Ordinance

1. It is the objective of the Chief Executive Officer and Board of Commissioners of DeKalb

County to provide maximum practicable opportunity for all businesses to participate in the performance of government contracts. The current DeKalb County List of Certified DeKalb First Local Small Business Enterprise (LSBE) Vendors may be found on the DeKalb County website.

2. It is required that all Responders attend the mandatory LSBE meeting on at least one of the meeting dates provided on the first page of the solicitation or subsequent addenda, and comply with, complete and submit all LSBE forms (Attachment G, DeKalb First LSBE Information with Exhibits 1 and 2) with the proposal in order to remain responsive. Please visit the following link for instructions on how to attend:

https://www.dekalbcountyga.gov/purchasing-contracting/general information.

3. For further details regarding the DeKalb First Local Small Business Enterprise Ordinance, contact the LSBE Program representative at (404) 371-7051.

D. Federal Work Authorization Program Contractor and Subcontractor Evidence of Compliance

All qualifying Responders and subcontractors performing work with DeKalb County, Georgia must register and participate in the Federal work authorization program to verify the work eligibility information of new employees. Successful Responder(s) shall be required to register and participate in the Federal work authorization program, which is a part of Attachment J, Sample County Contract. Attachment C, Contractor Affidavit, should be completed and submitted with the Responder’s proposal.

IV. CRITERIA FOR EVALUATION

The following evaluation criteria and the maximum points stated below will be used as the basis for the evaluation of proposals.

A. Cost Proposal (10 Points)

B. Technical Proposal (80 points):

1. Technical Approach (15 points)

2. Project Management (15 points)

3. Personnel (15 points)

4. Organizational Qualifications (20 points)

5. Financial Responsibility (10 points)

6. References (5 points)

C. Local Small Business Enterprise Participation (10 points)

D. Optional Interview (10 points) – bonus; The County reserves the right to conduct optional interviews with all Responders or a short-listed group of Responders. The Evaluation Committee may award a maximum of ten (10) points to each interviewed Responder. If the County determines that it is in its best interest to develop a short list of responders for interview, it shall be based on the following calculation: Highest Responder Score – 10 points = Short-listed Score (Example: 91 – 10 = 81. Any Responder with a score of 81 or greater would be interviewed.)

V. CONTRACT ADMINISTRATION

A. Standard County Contract

The attached sample contract is the County’s standard contract document (see Attachment J), which specifically outlines the contractual responsibilities. All Responders should thoroughly review the document with an officer of the firm having authority to execute the contract prior to submitting a proposal. Any proposed revisions to the terms or language, to include the insurance requirements, of this document must be submitted in writing prior to the questions deadline. Revisions should not be submitted with the proposal unless approved via addendum at the close of the question-and-answer period. Proposed revisions that were not presented and approved during the question-and-answer period, but are submitted with the proposal, may result in a proposal being rejected. No alterations can be made in the contract after award by the Board of Commissioners.

B. Submittal Instructions

1. One (1) Technical Proposal and one (1) Cost Proposal (see Section III. A. for additional instructions regarding submittal of Cost Proposal), must be submitted electronically via the County eProcurement Portal https://procurement.opengov.com/portal/dekalbcountyga, no later than March 19, 2026, 3:00 P.M. ET.

2. Proposals must be clearly labeled with the Responder’s name and “Solicitation No. 2026- 006-RFP Constituent Financial Empowerment Services (Three (3) Year Multiyear Contract with One (1) Option to Renew)”.

3. Proposals may be received up to but not later than March 19, 2026, 3:00 P.M. ET, via the County eProcurement Portal located at https://procurement.opengov.com/portal/dekalbcountyga. The County eProcurement Portal Clock is the official clock for the determination of all deadline dates and times.

Without exception, responses will not be accepted after the submission deadline regardless of any technical difficulties such as poor internet connections. DeKalb County strongly recommends completing your response well ahead of the deadline Responders should plan enough time to ensure that they will be able to deliver their submission prior to our deadline. Late submissions, for whatever reason, will not be evaluated. Responders should plan their submittals accordingly. Paper, telephone or fax proposals will not be accepted.

C. Non-Mandatory Pre-Proposal Conference

A pre-proposal conference will be held at 2:30 P.M. ET, February 24, 2026, via Zoom Webinar. Interested Responders are strongly encouraged to attend and participate in the pre-proposal conference. Please RSVP via the County eProcurement Portal, located at https://procurement.opengov.com/portal/dekalbcountyga

D. Questions:

All requests must be in writing. All questions concerning this RFP and requests for interpretation of the Contract may be asked and answered during the pre-proposal conference;

however, oral answers are not authoritative. Responders shall submit all inquiries regarding this Proposal via the County eProcurement Portal, located at https://procurement.opengov.com/portal/dekalbcountyga. Please note the deadline for submitting inquiries. All answers to inquiries will be posted on the County eProcurement Portal. Responders may also click “Follow” on this solicitation to receive an email notification when answers are posted. It is the responsibility of the Responder to check the website for answers to inquiries. Questions and requests for interpretation, revisions or exceptions must be submitted via the County eProcurement Portal by 5:00 P.M. ET, March 2, 2026.

Questions/requests received by the Department of Purchasing and Contracting after this date may not receive a response or be the subject of addenda.

E. Acknowledgment of Addenda

Addenda may be issued in response to changes in the RFP. Responders are required to register for an account via the County eProcurement Portal hosted by OpenGov. Once the bidder/responder has completed registration, they will receive addenda notifications to their email by clicking “Follow” on the solicitation. Ultimately, it is the sole responsibility of each responder to periodically check the site for any addenda at https://procurement.opengov.com/portal/dekalbcountyga. It is also the responsibility of the Responder to ensure awareness of all addenda issued for this solicitation.

F. Proposal Duration

Proposals submitted in response to this RFP must be valid for a period of one hundred fifty

(150) days from proposal submission deadline and must be so marked.

G. Project Director/Contract Manager

The County will designate a Project Director/Contract Manager to coordinate this project for the County. The successful Responder will perform all work required pursuant to the contract under the direction of and subject to the approval of the designated Project Director/Contract Manager. All issues including, payment issues, shall be submitted to the Project Director/Contract Manager for resolution.

H. Expenses of Preparing Responses to this RFP

The County accepts no responsibility for any expenses incurred by the Responders to this RFP.

Such expenses are to be borne exclusively by the Responders.

I. Georgia Open Records Act

Without regard to any designation made by the person or entity making a submission, DeKalb County considers all information submitted in response to this invitation or request to be a public record that will be disclosed upon request pursuant to the Georgia Open Records Act, O.C.G.A. §50-18-70 et seq., without consulting or contacting the person or entity making the submission, unless a court order is presented with the submission. You may wish to consult an attorney or obtain legal advice prior to making a submission.

J. First Source Jobs Ordinance

The First Source Ordinance is a public regulation which requires contractors and beneficiaries of eligible DeKalb County projects to make a good faith effort to hire fifty percent (50%) of all jobs using the First Source Registry. Beneficiaries are immediate recipients of county grants or community development block funds administered by the county of at least $50,000.

Contractors include an individual or entity entering into any type of agreement with the county, funded in whole or in part with county funds. WorkSource DeKalb (WSD) maintains the First Source Registry, comprised of qualified and trained DeKalb County residents. Business Solutions Unit (BSU) is available to assist the employer with selecting the most qualified candidate by using the First Source Registry to meet the company’s hiring needs. WSD manages the First Source program through the Business Solutions Unit by assigning a specific BSU Specialist. The First Source process is conducted similarly to the BSU business service request process. The BSU Specialist works closely with employers using TALEO and BSU processes to ensure the hiring needs of the employers are met.

For more information on the First Source Jobs Ordinance requirement, please contact WorkSource DeKalb at https://www.dekalbcountyga.gov/workforce-center/welcome-workforce-development or 404-687-3400.

K. Business License

Responder shall submit a copy of its current, valid business license with its proposal or upon award. If the Responder is a Georgia corporation, Responder shall submit a valid county or city business license. If the Responder is not a Georgia corporation, Responder shall submit a certificate of authority to transact business in the state of Georgia and a copy of its valid business license issued by its home jurisdiction. If Responder holds a professional certification which is licensed by the state of Georgia, then Responder shall submit a copy of its valid professional license. Any license submitted in response to this requirement shall be maintained by the Responder for the duration of the contract.

L. Ethics Rules

Responders are subject to the Ethics provision within the DeKalb County Purchasing Policy;

the Organizational Act, Section 22A, the Code of DeKalb County; and the rules of Executive Order 2014-4. Any violations will be addressed, pursuant to these policies and rules.

To the extent that the Organizational Act, Section 22A, the Code of DeKalb County, and the rules of Executive Order 2014-4 allow a gift, meal, travel expense, ticket, or anything else of value to be purchased for a CEO employee by a contractor doing business with the County, the contractor must provide written disclosure, quarterly, of the exact nature and value of the purchase to the Chief Integrity Officer, if created, or the Finance Director or his/her designee. Every contractor conducting business with the County will receive a copy of these ethical rules at the time of execution of the contract.

M. Right to Audit

The County shall have the right to audit all books and records, including electronic records, relating or pertaining to this contract or agreement, including but not limited to all financial and performance related records, property, and equipment purchased in whole or in part with County funds and any documents or materials which support those records, kept under the control of the Contractor, including but not limited to those kept by the Contractor's employees, agents, assigns, successors and subcontractors. The County also has the right to communicate with Contractor's employees related to the audited records.

The Contractor shall maintain such books and records, together with such supporting or underlying documents and materials, for the duration of this contract and for seven (7) years after termination or expiration, including any and all renewals thereof. The books and records, together with supporting documents and materials shall be made available, upon request to the County or its designee, during normal business hours at the Contractor's office or place of business. In the event that no such location is available, then the books, records, and supporting documents shall be made available for audit at a time and location which is convenient for the County.

DeKalb County assures every effort will be made to ensure nondiscrimination in all of its programs and activities, whether those programs and activities are federally funded or not.

In addition, DeKalb County will take reasonable steps to provide meaningful access to services for persons with Limited English Proficiency (LEP).

N. Cooperative Agreement

The County through the Department of Purchasing and Contracting may permit piggybacks to this contract from other city, county, local authority, agency, or board of education if the vendor will extend the same prices, terms, and conditions to the city. Piggybacking shall only be available where competition was used to secure the contract and only for a period of 12-months following entry, renewal or extension of the contract. This provision shall not apply to any contract where otherwise prohibited or mandated by state law.

VI. AWARD OF CONTRACT

A. An evaluation committee will review and rate all proposals and shall determine if interviews are necessary.

B. If interviews are conducted, short-listed firms will be scheduled for an oral presentation to the evaluation committee not to exceed one hour’s duration, to respond to questions from the evaluation committee relevant to the firm’s proposal.

C. The evaluation committee will make its recommendation for award to the DeKalb County

Board of Commissioners, who will make the final decision as to award of contract.

THE COUNTY RESERVES THE RIGHT TO REJECT ANY AND ALL PROPOSALS, TO

WAIVE INFORMALITIES, AND TO RE-ADVERTISE.

Sincerely, Yesenia Diaz Procurement Agent Department of Purchasing and Contracting

Attachment A: Scope of Work Attachment B: Cost Proposal Form with Exhibit 1 Attachment C:

Attachment D:

Attachment E:

Attachment F:

Attachment G:

Contractor Affidavit Sub-Contractor Affidavit Sub-Subcontractor Affidavit Contractor Reference and Release Form Subcontractor Reference and Release Form

Attachment H: DeKalb First LSBE Information with Exhibits 1 & 2 Attachment I: First Source Jobs Ordinance Information (consisting of 4 pages) Attachment J: Sample County Contract Attachment K: Proposal Cover Sheet

ATTACHMENT A

SCOPE OF WORK

1. General Overview

The selected responder(s) shall provide integrated consulting services supporting homeownership counseling, financial literacy and credit counseling, and facilitation of technical assistance for small businesses and entrepreneurs serving residents and enterprises within DeKalb County, Georgia.

Services may be delivered through in-person, virtual, or hybrid formats, subject to County approval.

The contractor shall ensure services are accessible, culturally responsive, and aligned with industry best practices and applicable regulatory standards.

1.1 Program Goal

The goal of this program is to improve financial stability, asset readiness, and economic mobility for DeKalb County residents and small businesses by delivering coordinated, high-quality counseling, education, and technical assistance services. The Contractor shall support participants in strengthening household financial capability, increasing readiness for sustainable homeownership, and improving small business viability and growth, with an emphasis on measurable outcomes, equitable access, and Countywide service delivery.

1.2 Program Objectives

The objectives of this program are to:

• Support residents in improving budgeting, credit management, and overall financial decision-making;

• Promote readiness for sustainable homeownership through education and counseling;

• Encourage stabilization and responsible growth of small businesses; and

• Improve access to coordinated financial counseling and technical assistance services

Countywide.

• Serve at least fifty (50) small businesses annually through financial counseling, technical assistance facilitation, and related support services.

1.3 Target Population

Services shall be provided through structured counseling and technical assistance sessions. At a minimum, the Contractor shall offer up to four (4) sessions per resident or business within a sixty (60) day period, or more at the discretion of the Contractor based on participant need and program capacity.

There shall be no limit per household; however, services shall be limited to three (3) sessions per individual, per service category, within any twelve (12) month period, unless otherwise approved by the County.

2. Homeownership Counseling Services

The contractor shall provide comprehensive, industry-standard homeownership counseling services aligned with U.S. Department of Housing and Urban Development (HUD) guidance and other recognized best practices.

2.1 Pre-Purchase Counseling

Services may include, but are not limited to:

First-time and repeat homebuyer education.

Mortgage readiness and affordability assessments.

Household budget analysis and debt-to-income evaluation.

Education on mortgage products, underwriting criteria, and lending requirements.

Assistance navigating down payment assistance and subsidy programs available in DeKalb

County and the greater Atlanta region.

Fair housing education and borrower rights.

2.2 Homebuyer Education Workshops

Group workshops covering the full homebuying process.

Curriculum aligned with HUD, CFPB, or equivalent standards.

Certificates of completion where applicable.

2.3 Post-Purchase Counseling

Home maintenance and repair planning.

Escrow accounts, insurance, and property tax education.

Financial sustainability and long-term affordability counseling.

2.4 Foreclosure Prevention and Housing Stability (as applicable)

Early intervention counseling for households experiencing financial distress.

Education on loss mitigation and workout options.

Referrals to mortgage servicers, legal aid, and housing stabilization partners.

3. Financial Literacy and Credit Counseling Services

The contractor shall deliver financial capability services designed to improve short- and long-term financial outcomes for DeKalb County residents.

3.1 Financial Literacy Education

Budgeting and cash flow management.

Banking relationships and financial product education.

Savings strategies and emergency preparedness.

Debt management and responsible credit use.

Basic financial planning and tax readiness.

3.2 Credit Counseling and Improvement

Credit report review and explanation.

Credit score improvement strategies.

Dispute and error resolution guidance.

Debt repayment planning and monitoring.

3.3 Individual Financial Coaching

One-on-one counseling sessions.

Development of individualized financial action plans.

Ongoing progress tracking tied to housing or business goals.

4. Small Business and Entrepreneur Technical Assistance Facilitation

The contractor shall facilitate access to and coordination of technical assistance services for small businesses and entrepreneurs located in or serving DeKalb County.

4.1 Business Readiness and Capacity Building

Business plan development and refinement.

Financial statement preparation and analysis.

Cash flow forecasting and budgeting.

Entity formation and compliance education.

Licensing, permitting, and regulatory navigation.

4.2 Capital Readiness and Financial Systems

Business credit readiness counseling.

Loan packaging and documentation support.

Education on financing options, including loans, grants, and alternative capital.

Referrals and connections to lenders, Community Development Financial Institutions

(CDFIs), and other capital providers.

4.3 Technical Assistance Coordination

Facilitation of referrals to specialized service providers, including:

o Legal services o Accounting and bookkeeping o Marketing and branding.

o Procurement and contracting assistance

Coordination with chambers of commerce, incubators, accelerators, and economic development partners.

4.4 Entrepreneur Education and Workshops

Group training sessions and clinics.

Topic-specific workshops responsive to participant needs.

Navigation of local and regional business support ecosystems.

5. Program Management and Administration

The contractor shall be responsible for overall program administration, including:

Staffing, at a minimum, shall include qualified counselors, case or project managers, and data reporting personnel responsible for service delivery, participant management, and performance tracking and reporting. Counselors delivering homeownership counseling services shall meet the certification requirements set forth in Section 3. B. 6. Organizational Qualifications.

Participant intake, assessment, and eligibility verification.

Scheduling and coordination of services.

Secure maintenance of confidential participant records.

Compliance with applicable federal, state, and local regulations.

Ongoing coordination with DeKalb County staff and designated partners.

Management of service delivery to ensure compliance with session limits and participation thresholds established by the County.

Participant-focused program outreach and communications, including distribution of County-approved informational materials through digital and print channels (e.g., social media, email, mailings) to promote awareness of available services.

Community engagement and senior-level stakeholder coordination, as requested by the County, to support program implementation.

6. Data Collection, Reporting, and Performance Monitoring

The contractor shall implement systems to collect, track, and report program data, which may include:

Number of individuals and businesses served.

Type, frequency, and duration of services provided.

Credit score improvements and financial benchmarks.

Homeownership readiness, purchase, and sustainability outcomes.

Business formation, stabilization, or growth indicators.

Referrals made and services accessed.

Number of small businesses served annually, including progress toward the minimum target of fifty (50) businesses per year.

Reports shall be submitted quarterly, at intervals specified by DeKalb County, and shall include both quantitative metrics and qualitative narrative analysis. The reporting format shall be determined by DeKalb County; however, respondents may submit sample reports or reporting formats used for other clients as part of their proposal.

7. Deliverables

Minimum deliverables shall include, but are not limited to:

Program implementation plan and service delivery schedule

Counseling curricula and educational materials Participant intake, assessment, and action-planning tools Periodic performance and outcome reports Final summary report detailing outcomes, lessons learned, and recommendations

END OF SCOPE OF WORK

ATTACHMENT B

COST PROPOSAL FORM

Constituent Financial Empowerment Services (Three (3) Year Multiyear Contract with One (1) Option to Renew)

(Page 1 of 3)

Responder: Please complete the attached page of the Cost Proposal Form and return it with this cover page. The cost proposal must be submitted as a separate PDF and labeled as Cost Proposal Form for “Solicitation No. 2026-006-RFP Constituent Financial Empowerment Services (Three (3) Year Multiyear Contract with One (1) Option to Renew)”.

By signing this page, Responder acknowledges that they have carefully examined and fully understand the Contract, Scope of Work, and other attached documents, and hereby agrees that if the proposal is accepted, they will contract with DeKalb County according to the Request for Proposal documents.

Please provide the following information:

Name of Firm: ___________________________________________________________

Address: _______________________________________________________________

Contact Person Submitting Proposal:__________________________________________

Title of Contact Person:____________________________________________________

Telephone Number:_______________________________________________________

Fax Number:_____________________________________________________________

E-mail Address:__________________________________________________________

Signature of Contact Person

Title of Contact Person

ATTACHMENT B

COST PROPOSAL FORM

(Page 2 of 3)

INSTRUCTIONS TO RESPONDERS

Responders shall complete this Cost Proposal Form in its entirety. All costs shall be stated in U.S.

Dollars. Failure to complete all required sections of this Cost Proposal Form, including the annual cost, will result in the proposal being deemed non-responsive.

SECTION 1: Firm Fixed Lump Sum

Responder: State a Firm Fixed Lump Sum amount covering the full three (3) year initial contract term for all costs associated with Solicitation No. 2026-006-RFP – Constituent Financial Empowerment Services (Three (3) Year Multiyear Contract with One (1) Option to Renew).

The Firm Fixed Lump Sum shall include all direct and indirect costs necessary to fully perform the scope of services, including but not limited to personnel and staffing, program operations and service delivery, administrative and indirect costs, supplies, materials and equipment, technology and data management, reporting, and any other related costs.

The sum of the annual cost for Years 1, 2, and 3 must equal the total Firm Fixed Lump Sum proposed for the full three-year initial contract term. No additional compensation beyond the stated Firm Fixed Lump Sum shall be permitted, except as expressly authorized by written contract amendment or Change Order executed in accordance with the terms of the Contract.

Total Firm Fixed Lump Sum – Initial Contract Term (Three (3) Years) Only:

(State the amount in writing on this line.)

$_______________________________________ (State amount in figures on this line.)

ATTACHMENT B

COST PROPOSAL FORM

(Page 3 of 3)

SECTION 2: Firm Fixed Lump Sum by Year

A. The Responder shall provide the amount for each year of the initial contract term with the total for all three years (Initial Contract Term).

Contract Year Firm Fixed Lump Sum

Year 1 $

Year 2 $

Year 3 $

TOTAL – Initial Contract Term $

B. Optional Renewal Term: If the one (1) optional renewal year is…