Civic Intelligence

San Francisco Consumer Action

990 • Fiscal year 2016 • EIN 23-7172908

Apr 01, 2015 to Mar 31, 2016 • Filed on Jan 31, 2017

1170 Market Street No 500San Francisco, CA 94102

(415) 777-9648

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

28th percentile

0.04x

Higher debt load relative to assets than 28% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

44th percentile

0.14x

Higher debt load relative to revenue than 44% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Net Margin

12th percentile

-23%

Higher net margin than 12% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

82nd percentile

$238,689

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 8.9% of source-year revenue.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Asset Growth

17th percentile

-5.5%

Faster asset growth than 17% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

5th percentile

-51%

Faster revenue growth than 5% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Assets

Down

$9,651,559

Down $562,091 (-5.5%) from 2015

Net Assets

Down

$9,263,082

Down $626,516 (-6.3%) from 2015

Liabilities

Up

$388,477

Up $64,425 (+20%) from 2015

Revenue

Down

$2,688,994

Down $2,848,918 (-51%) from 2015

Expenses

Up

$3,315,510

Up $281,847 (+9.3%) from 2015

Net Income

Down

-$626,516

Down $3,130,765 (-125%) from 2015

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$15M$10M$5.0M$0Assets 2014: $7,681,830Liabilities 2014: $296,481Net Assets 2014: $7,385,3492014Assets 2015: $10,213,650Liabilities 2015: $324,052Net Assets 2015: $9,889,5982015Assets 2016: $9,651,559Liabilities 2016: $388,477Net Assets 2016: $9,263,0822016Assets 2018: $5,965,339Liabilities 2018: $357,543Net Assets 2018: $5,607,7962018Assets 2019: $4,796,950Liabilities 2019: $310,961Net Assets 2019: $4,485,9892019Assets 2020: $2,777,631Liabilities 2020: $237,851Net Assets 2020: $2,539,7802020Assets 2021: $1,959,175Liabilities 2021: $548,702Net Assets 2021: $1,410,4732021Assets 2022: $1,493,172Liabilities 2022: $231,729Net Assets 2022: $1,261,4432022Assets 2023: $1,266,588Liabilities 2023: $242,369Net Assets 2023: $1,024,2192023Assets 2024: $983,906Liabilities 2024: $113,810Net Assets 2024: $870,0962024Assets 2025: $1,222,629Liabilities 2025: $265,736Net Assets 2025: $956,8932025

Highlighted filing

2016

Assets$9,651,559
Liabilities$388,477
Net Assets$9,263,082

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2014: $2,942,892Expenses 2014: $3,023,428Net Income 2014: -$80,5362014Revenue 2015: $5,537,912Expenses 2015: $3,033,663Net Income 2015: $2,504,2492015Revenue 2016: $2,688,994Expenses 2016: $3,315,510Net Income 2016: -$626,5162016Revenue 2018: $1,972,569Expenses 2018: $3,279,222Net Income 2018: -$1,306,6532018Revenue 2019: $2,185,910Expenses 2019: $3,307,717Net Income 2019: -$1,121,8072019Revenue 2020: $941,331Expenses 2020: $2,887,540Net Income 2020: -$1,946,2092020Revenue 2021: $1,209,565Expenses 2021: $2,338,910Net Income 2021: -$1,129,3452021Revenue 2022: $1,658,690Expenses 2022: $1,801,939Net Income 2022: -$143,2492022Revenue 2023: $1,164,687Expenses 2023: $1,404,196Net Income 2023: -$239,5092023Revenue 2024: $974,773Expenses 2024: $1,126,841Net Income 2024: -$152,0682024Revenue 2025: $1,269,490Expenses 2025: $1,186,385Net Income 2025: $83,1052025

Highlighted filing

2016

Revenue$2,688,994
Expenses$3,315,510
Net Income-$626,516
Jump To
Filing Snapshot
Filing Period
Apr 1, 2015 to Mar 31, 2016
Signed
Jan 31, 2017
Return Version
2015v3.0
Gross Receipts
$2,688,994
Mission and Program Overview

Mission

To empower consumers to achieve financial security through education and advocacy.

Consumer action's mission is to provide consumer education and advocacy to and on behalf of consumers around the nation. Its primary activities are to write and produce consumer education materials, respond with free advice and assistance to consumers who call or email our complaint and information switchboard and train community-based organizations on how to promote financial and consumer literacy in their diverse communities. Our consumer education materials include pamphlets, translated into several languages, which are distributed for free to consumers throughout our network of 8,000 community group contacts. We distributed one million publications last year.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$9,856,456$8,688,490▼ $1,167,966
Cash and Non-Interest-Bearing Accounts$39,963$465,920▲ $425,957
Land, Buildings, and Equipment, Net$58,319$240,332▲ $182,013
Pledges and Grants Receivable$150,000$159,430▲ $9,430
Prepaid Expenses and Deferred Charges$25,609$40,329▲ $14,720
Total Assets$10,213,650$9,651,559▼ $562,091
Other Assets Total$83,303$57,058▼ $26,245
Liabilities
Accounts Payable and Accrued Expenses$287,630$327,456▲ $39,826
Other Liabilities$36,422$61,021▲ $24,599
Total Liabilities$324,052$388,477▲ $64,425
Net Assets / Fund Balance
Temporarily Rstr Net Assets$9,152,609$8,563,110▼ $589,499
Unrestricted Net Assets$736,989$699,972▼ $37,017
Total Net Assets Fund Balance$9,889,598$9,263,082▼ $626,516
Total Liabilities and Net Assets / Fund Balance$10,213,650$9,651,559▼ $562,091

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$240,332$64,153$304,485
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ken MceldowneySecretary & E.d.FT$207,199$31,490$238,689
Kathy LiSf Office DirectorFT$163,362$15,150$178,512
Linda SherryWashington, Dc Office DirectorFT$148,854$14,272$163,126
Ruth AlbertDeputy Director, National PriorityFT$106,690$14,975$121,665

Board Members and Trustees

NameTitle
Pat SturdevantPresident
Anna Alvarez BoydBoard Member
Anna FloresBoard Member
Ben LauBoard Member
Dr Irene LeechBoard Member
Faith BautistaBoard Member
Pastor Herrera JrBoard Member
Sue RoganBoard Member
Sue HestorTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,630,961
Program Service Revenue
$1,500
Investment Income
$56,533
Other Revenue
$0
All Other Contributions
$2,411,421
Change in Net Assets
$-626,516

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,688,994
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,688,994
Total Revenue per Form 990
$2,688,994
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,334,855
Other Expenses$907,655
Total Fundraising Expense$140,183
Professional Fundraising Fees$43,000
Grants and Similar Amounts Paid$30,000

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,295,797$384,265$36,865$1,716,927
Occupancy$185,108$50,559$7,523$243,190
Current Officers, Directors, Trustees, and Key Employees$184,482$20,045$23,291$227,818
Office Expenses$125,032$50,974$1,600$177,606
Conferences and Meetings$165,059$5,329-$170,388
Other Employee Benefits$119,014$32,657$4,837$156,508
Payroll Taxes$106,284$29,140$4,319$139,743
Information Technology$93,879$11,759$1,464$107,102
Pension Plan Contributions$71,421$19,535$2,903$93,859
Travel$77,321$2,908$12,235$92,464
Depreciation Depletion$34,000$9,286$1,380$44,666
Fees for Services Professional Fundraising--$43,000$43,000
Grants to Domestic Orgs$30,000--$30,000
Fees for Services Accounting-$27,676-$27,676
Other Expenses-$24,510$366$24,876
Fees for Services Other$13,250$983$400$14,633
Insurance-$5,054-$5,054
Total Functional Expenses$2,500,647$674,680$140,183$3,315,510

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,315,510
Total Expenses per Audited Statements$3,315,510
Total Expenses per Form 990$3,315,510
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Easter Seals of Central TexasAustin, TX501(c)(3)Support Consumer Education and Advocacy$5,000
Empowering Students and Parents IncGlenwood, MD501(c)(3)Support Consumer Education and Advocacy$5,000
Hopes Community Action PartnershipHoboken, NJ501(c)(3)Support Consumer Education and Advocacy$5,000
Opportunities Industrialization Center of DcWashington, DC501(c)(3)Support Consumer Education and Advocacy$5,000
Opportunities Industrialization Center of OuachitaMonroe, LA501(c)(3)Support Consumer Education and Advocacy$5,000
Zoe Life Fellowship CenterRiverside, CA501(c)(3)Support Consumer Education and Advocacy$5,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$43,000
Fundraising Direct Expenses$0
Fundraising Gross Income$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
44th Anniversary Fundraiser$216,600---
Total Events$216,600---
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Rent$61,021
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 8B

The organization does not have a committee with authority to act on behalf of the governing body.

Form 990, Part VI, Section B, Line 11

All board members received copies of the filed form 990, and discussed its contents at a board meeting.

Form 990, Part VI, Section B, Line 12C

Board members are required to fill out and sign annually a disclosure form indicating whether or not they have or may have any conflicts of interest. On an annual basis they are asked to affirm that no conflict has arisen. This they may do verbally at a board meeting.

Form 990, Part VI, Section C, Line 19

Governing documents, conflict of interest policy, and financial statements are available to public upon request.

Filing and Contact Details

Filer

Filer Name
San Francisco Consumer Action
EIN
23-7172908
Phone
4157779648
Address
1170 MARKET STREET NO 500, SAN FRANCISCO, CA 94102
Doing Business As
Consumer Action

Signing Officer

Name
Ken Mceldowney
Title
Sec./exec. Director
Phone
4157779635
Signed
2017-01-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ken Mceldowney
Formed
1971
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
26
Volunteers
12

Preparer

Firm
Dzh Phillips Llp
Address
1330 BROADWAY SUITE 630, OAKLAND, CA 94612
Preparer
Hydeh Ghaffari
Phone
5108346542
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The audit committee selects and oversees an independent accounting firm to conduct the audit. No change in the selection method occurred this year.

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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY & E.D.
IRS990/Form990PartVIISectionAGrp/TitleTxt10SF OFFICE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11WASHINGTON, DC OFFICE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DEPUTY DIRECTOR, NATIONAL PRIORITY
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IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt030000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt030000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02688994
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt01464
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt011759
IRS990/InformationTechnologyGrp/ProgramServicesAmt093879
IRS990/InformationTechnologyGrp/TotalAmt0107102
IRS990/InsuranceGrp/ManagementAndGeneralAmt05054
IRS990/InsuranceGrp/TotalAmt05054
IRS990/InvestmentIncomeGrp/ExclusionAmt056533
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt056533
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt08
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt064153
IRS990/LandBldgEquipBasisNetGrp/BOYAmt058319
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0240332
IRS990/LandBldgEquipCostOrOtherBssAmt0304485
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt02940
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CONSUMER ACTION IS DEDICATED TO HELPING INDIVIDUAL CONSUMERS ASSERT THEIR RIGHTS IN THE MARKETPLACE AND TO ADVANCING PRO-CONSUMER MARKETPLACE CHANGES TO PROMOTE ECONOMIC JUSTICE FOR THE BENEFIT OF ALL CONSUMERS. THE ORGANIZATION ACHIEVES ITS MISSION THROUGH CONSUMER EDUCATION, MULTILINGUAL COMMUNITY OUTREACH AND ISSUE-BASED ADVOCACY THROUGH ITS OFFICES IN SAN FRANCISCO, LOS ANGELES, WASHINGTON, DC, WORKING TOGETHER WITH MANY COMMUNITY-BASED ORGANIZATIONS AROUND THE COUNTRY. OUR MATERIALS, TRAINING AND SUPPORT SERVICES TO COMMUNITY ORGANIZATIONS ENSURE THAT COMMUNITY EDUCATORS HAVE THE MOST UPDATED CONSUMER LITERACY TOOLS AND INFORMATION FOR THEIR CONSTITUENTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09889598
IRS990/NetAssetsOrFundBalancesEOYAmt09263082
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt07523
IRS990/OccupancyGrp/ManagementAndGeneralAmt050559
IRS990/OccupancyGrp/ProgramServicesAmt0185108
IRS990/OccupancyGrp/TotalAmt0243190
IRS990/OfficeExpensesGrp/FundraisingAmt01600
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt050974
IRS990/OfficeExpensesGrp/ProgramServicesAmt0125032
IRS990/OfficeExpensesGrp/TotalAmt0177606
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt083303
IRS990/OtherAssetsTotalGrp/EOYAmt057058
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt04837
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt032657
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0119014
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0156508
IRS990/OtherExpensesGrp/Desc0DUES, FEES AND MISC.
IRS990/OtherExpensesGrp/FundraisingAmt0366
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt024510
IRS990/OtherExpensesGrp/TotalAmt024876
IRS990/OtherLiabilitiesGrp/BOYAmt036422
IRS990/OtherLiabilitiesGrp/EOYAmt061021
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt036865
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0384265
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01295797
IRS990/OtherSalariesAndWagesGrp/TotalAmt01716927
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt04319
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt029140
IRS990/PayrollTaxesGrp/ProgramServicesAmt0106284
IRS990/PayrollTaxesGrp/TotalAmt0139743
IRS990/PensionPlanContributionsGrp/FundraisingAmt02903
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt019535
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt071421
IRS990/PensionPlanContributionsGrp/TotalAmt093859
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0150000
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0159430
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt025609
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt040329
IRS990/PrincipalOfficerNm0KEN MCELDOWNEY
IRS990/ProfessionalFundraisingInd01
IRS990/ProgramServiceRevenueGrp/Desc0CONTRACT INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01500
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01500
IRS990/ProgSrvcAccomActy2Grp/Desc0FINANCIAL LITERACY PROJECT - THIS PROJECT RESEARCHED, WROTE AND PUBLISHED EDUCATIONAL MATERIALS IN SEVERAL LANGUAGES, TO HELP CONSUMERS UNDERSTAND HOW TO SHOP FOR AND USE BANKING, CREDIT AND OTHER CONSUMER FINANCIAL SERVICES. THE MATERIALS PRODUCED BY THE PROJECT ALSO COVERED FINANCIAL PLANNING, DEBT MANAGEMENT AND RETIREMENT. CONSUMER ACTION TRANSLATED THESE MATERIALS INTO CHINESE, SPANISH, KOREAN AND VIETNAMESE, DISTRIBUTED THEM FOR FREE AROUND THE COUNTRY AND CONDUCTED TRAININGS TO HELP COMMUNITY AGENCY STAFF WORK WITH THE FREE MATERIALS TO MEET THE NEEDS OF THEIR CLIENTS FOR EDUCATION ABOUT FINANCIAL LITERACY. THE PROJECT RAN A WEBSITE, WWW.MANAGINGMONEY.ORG, DESIGNED TO SERVE AS A FINANCIAL LITERACY CLEARINGHOUSE. IT FEATURED MULTILINGUAL EDUCATIONAL MATERIALS, NEWS ON TOPICS ABOUT PERSONAL FINANCES, AND RECOMMENDED PUBLICATIONS CREATED BY OTHER COMMUNITY ORGANIZATIONS AND GOVERNMENT AGENCIES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0186380
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0INSURANCE CY PRES PROJECT - CONSUMER ACTION RECEIVED A GRANT FROM A LARGE CY PRES LEGAL SETTLEMENT AND USED THAT FUNDING TO TACKLE SEVERAL TOPICS WITHIN THAT FIELD. CA CREATED SEVERAL FREE PUBLICATIONS ON INSURANCE, SUCH AS "AUTO INSURANCE: THE BASICS", WHICH IT TRANSLATED INTO CHINESE, KOREAN, SPANISH AND VIETNAMESE AND DISTRIBUTED AROUND THE COUNTRY THROUGH COMMUNITY-BASED ORGANIZATIONS. IT ALSO PUBLISHED INFORMATION ON HOME INSURANCE, HEALTH INSURANCE AND LIFE INSURANCE. THIS GRANT HELPED TO SUPPORT CA'S FREE INFORMATION HOTLINE, WHICH ANSWERED MANY QUESTIONS FROM PEOPLE AROUND THE COUNTRY ABOUT SHOPPING FOR AND USING MANY KINDS OF INSURANCE.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0298156
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProgSrvcAccomActyOtherGrp/Desc0BANKING & CREDIT CARD EDUCATION PROJECTS
IRS990/ProgSrvcAccomActyOtherGrp/Desc1DASH FOR THE STASH PROGRAM
IRS990/ProgSrvcAccomActyOtherGrp/Desc2HOUSING EDUCATION PROJECT
IRS990/ProgSrvcAccomActyOtherGrp/Desc3IB INSURANCE & LOW COST AUTO INSURANCE PROJECTS
IRS990/ProgSrvcAccomActyOtherGrp/Desc4IP TRANSITION PROJECT
IRS990/ProgSrvcAccomActyOtherGrp/Desc5INTERNET PRIVACY & SECURITY PROJECTS
IRS990/ProgSrvcAccomActyOtherGrp/Desc6NATIONAL CONSUMER EDUCATION CONFERENCE
IRS990/ProgSrvcAccomActyOtherGrp/Desc7NATIONAL DEBT COLLECTION EDUCATION PROJECTS
IRS990/ProgSrvcAccomActyOtherGrp/Desc8ROSE FOUNDATION FINANCIAL EDUCATION GRANT
IRS990/ProgSrvcAccomActyOtherGrp/Desc9VETERANS EDUCATION PROJECT
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0399965
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt134430
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt2114091
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt3334842
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt4247627
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt5160859
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt6174938
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt7205382
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt870000
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt972586
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt00
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt10
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt20
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt30
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt40
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt50
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt60
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt70
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt830000
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt05491836
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt043531
IRS990/PYOtherExpensesAmt0789792
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02545
IRS990/PYRevenuesLessExpensesAmt02504249
IRS990/PYSalariesCompEmpBnftPaidAmt02194371
IRS990/PYTotalExpensesAmt03033663
IRS990/PYTotalProfFndrsngExpnsAmt049500
IRS990/PYTotalRevenueAmt05537912
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-626516
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09856456
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08688490
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt02630961
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt05491836
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt02904969
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt02440806
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt03144055
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt016612627
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt056533
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt043531
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt033731
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt049158
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt057130
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0240083
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt08029
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0208
IRS990ScheduleA/OtherIncome170Grp/TotalAmt0208
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.49110
IRS990ScheduleA/PublicSupportPY170Pct00.50170
IRS990ScheduleA/PublicSupportTotal170Amt08276739
IRS990ScheduleA/SubstantialContributorsTotAmt08335888
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt02630961
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt05491836
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt02904969
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt02440806
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt03144055
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt016612627
IRS990ScheduleA/TotalSupportAmt016852918
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleC/DirectContactLegislatorsAmt01166
IRS990ScheduleC/DirectContactLegislatorsInd01
IRS990ScheduleC/GrantsOtherOrganizationsInd00
IRS990ScheduleC/MailingsMembersAmt013090
IRS990ScheduleC/MailingsMembersInd01
IRS990ScheduleC/MediaAdvertisementsInd00
IRS990ScheduleC/NotDescribedSection501c3Ind00
IRS990ScheduleC/OtherActivitiesInd00
IRS990ScheduleC/PaidStaffOrManagementInd01
IRS990ScheduleC/PublicationsOrBroadcastAmt060

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