San Francisco Consumer Action

“Prior to its filing, the 990 is reviewed by the Executive Director and Business Manager. It is circulated among the board of directors after filing.”

“All Board members covered; annual assertions requested to confirm lack of conflicts.”

“All of these documents are available to the public upon request; Form 990 posted on our web site.”

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

“OTHER PROGRAM SERVICES 4: The Credit Card Tying Cy Pres Project: This project has produced "Questions and Answers About Secured Credit Cards", a training manual and group leader's guide designed to give community advocates and outreach workers a background on the topic so that they can counsel clients and/or lead workshops for other staff members. It is intended to be used with the brochure titled "Building and Repairing Your Credit with a Secured Credit Card," an easy-to-read introduction to the subject available in Chinese, English and Spanish. OTHER PROGRAM SERVICES 5: The Financial Literacy Project: Consumer Action's Financial Literacy Project has produced many fact sheets to help people be aware of their financial rights and options. These fact sheets cover opening a bank account, shopping for savings instruments and resolving complaints against financial institutions. OTHER PROGRAM SERVICES 6: The Housing Education Project: The Housing Education Project works to help people become aware of their rights as tenants. It has worked with the federal housing department to make people aware of how to assert their rights when they are victims of housing discrimination. OTHER PROGRAM SERVICES 7: OTHER PROGRAM SERVICES 8: The Annual Best Practices Consumer Conference: Every fall Consumer Action holds a Best Practices 2-day consumer advocacy and education conference in Chicago, bringing together consumer advocates and educators from around the country. OTHER PROGRAM SERVICES 9: Chase Financial Technology Grant: The purpose of the grant was to scale the work we have been doing with financial technology and education, with proven success for underbanked, diverse and LMI consumers to achieve the following intended outcomes: 1) introduce financial health and financial technology to a total of 250 LMI, underbanked and diverse adult consumers and five - ten CBO staff at five sites across the nation to build financial capability and resilience; 2) use the CFSI Financial Health Score Toolkit to diagnose financial health and track changes in financial health for 95 of the 250 consumers and five CBO staff (based on previous adoption rates); and 3) translate the FinTech fact sheet into four languages and distribute electronic and printed, bulk copies to 100 CBOs for the direct benefit of 10,000 consumers. OTHER PROGRAM SERVICES 10: Wells Fargo Financial Technology Grant: Consumer Action will use a human-centered design and evidence-based approach. Consumer Action's partner community-based organizations (CBOs) will measure and report financial capability metrics using the CFSI Financial Health Score Toolkit Survey. The eight-question survey measures financial capability in the areas of saving, spending, borrowing and planning. The CFSI Financial Health Score is designed to help financial service providers, employers, and other organizations diagnose and track the financial health of their consumers and workforce. The framework provides a holistic, moment-in- time snapshot of a consumer's financial health. The qualitative survey data is self-reported by consumers and compared against national benchmarks. The information is also used to diagnose financial health and select financial technology tools that meet specific financial health needs self-identified by consumers. CBOs will introduce clients to financial technology tools at group trainings, counseling coaching appointments and through digital or print campaigns. At least one staff person at each test site will use the financial technology tools along with the consumers. Counselors will familiarize themselves with tools and provide clients with instructions, technical assistance and referrals to outside resources. CBOs will measure financial health of the consumers via electronic surveys at program entry, 3- month and 6-month intervals. CBOs will demonstrate outcomes using the CFSI Financial Health Score Toolkit and consumer achievement in these areas: acquired a financial asset, improved d”

“(Cont'd from pg. 2) These publications cover such topics as: earning a paycheck, budgeting and saving, learning about credit, achieving financial goals, dealing with debt and taxes, saving and renting versus home ownership and mortgages, investing for a longer life, retirement income, home equity loans, protecting assets, long-term care insurance and medical expenses. This project has now taken over the MoneyWise Project formerly funded by Capital One, which for 14 years created innovative and educational pamphlets about banking services. The extensive MoneyWise publication list includes such topics as: "Building and Keeping Good Credit", Tracking your Money", "Manage Your Money". "Banking Basics", "Rebuilding Your Credit", "Bankruptcy", "Saving to Build Wealth", "Talking to Teens About Money", "Micro Business Basics", Xand "Elder Fraud". All of these publications are available for free from Consumer Action, and are available in English, Chinese, Korean, Spanish and Vietnamese while supplies last. This MM123 Chase cy pres project has also launched a new series on Job Training, including a free publication on "A guide to finding the right job training school". Individuals and CBOs interested in these publications and Consumer Action's CBO training programs should contact Consumer Action at [email protected].”