Liabilities / Assets
43rd percentile
Higher debt load relative to assets than 43% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
43rd percentile
Higher debt load relative to assets than 43% of similar nonprofits.
Liabilities / Revenue
34th percentile
Higher debt load relative to revenue than 34% of similar nonprofits.
Net Margin
96th percentile
Higher net margin than 96% of similar nonprofits.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
$1,281,807
No earlier filing loaded for comparison.
Net Assets
$1,213,290
No earlier filing loaded for comparison.
Liabilities
$68,517
No earlier filing loaded for comparison.
Revenue
$1,701,500
No earlier filing loaded for comparison.
Expenses
$482,931
No earlier filing loaded for comparison.
Net Income
$1,218,569
No earlier filing loaded for comparison.
The Organization's mission is to test new technologies and data to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cash and Non-Interest-Bearing Accounts | $464 | $1,270,420 | ▲ $1,269,956 |
| Accounts Receivable | - | $6,731 | - |
| Land, Buildings, and Equipment, Net | $537 | $4,163 | ▲ $3,626 |
| Prepaid Expenses and Deferred Charges | - | $493 | - |
| Total Assets | $1,001 | $1,281,807 | ▲ $1,280,806 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $6,280 | $68,517 | ▲ $62,237 |
| Other Liabilities | - | $0 | - |
| Total Liabilities | $6,280 | $68,517 | ▲ $62,237 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $-5,279 | $1,213,290 | ▲ $1,218,569 |
| Permanently Rstr Net Assets | $0 | $0 | → $0 |
| Temporarily Rstr Net Assets | $0 | $0 | → $0 |
| Total Net Assets Fund Balance | $-5,279 | $1,213,290 | ▲ $1,218,569 |
| Total Liabilities and Net Assets / Fund Balance | $1,001 | $1,281,807 | ▲ $1,280,806 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $4,163 | $761 | $4,924 |
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Melissa Koide | CEO, Treasurer, Secretary | FT | $191,667 | $5,750 | $197,417 |
| Name | Title |
|---|---|
| Jo Ann Barefoot | Board Chair |
| Alex Acree | Board Member |
| Amy Friend | Board Member |
| Brian Brooks | Board Member |
| Kabir Kumar | Board Member |
| Marla Blow | Board Member |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $269,655 |
| Other Expenses | $213,276 |
| Total Fundraising Expense | $37,010 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $134,167 | $28,750 | $28,750 | $191,667 |
| Fees for Services Other | $94,799 | $21,595 | - | $116,394 |
| Travel | $39,374 | $1,203 | - | $40,577 |
| Other Salaries and Wages | $17,694 | $21,125 | $833 | $39,652 |
| Payroll Taxes | $14,809 | $5,481 | $2,863 | $23,153 |
| Fees for Services Legal | - | $20,000 | - | $20,000 |
| Occupancy | $9,243 | $3,421 | $1,786 | $14,450 |
| Fees for Services Accounting | $6,874 | $1,473 | $1,473 | $9,820 |
| Other Employee Benefits | $5,814 | $2,000 | $888 | $8,702 |
| Pension Plan Contributions | - | $6,481 | - | $6,481 |
| Information Technology | $1,039 | $2,852 | - | $3,891 |
| Conferences and Meetings | $3,091 | - | - | $3,091 |
| Insurance | $1,509 | $323 | $323 | $2,155 |
| Office Expenses | $829 | $1,308 | - | $2,137 |
| Depreciation Depletion | $487 | $180 | $94 | $761 |
| Total Functional Expenses | $329,729 | $116,192 | $37,010 | $482,931 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $482,931 |
| Total Expenses per Audited Statements | $482,931 |
| Total Expenses per Form 990 | $482,931 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
“The 990 is made available to all Board Members to review.”
“(a) An Interested Person may make a presentation at the Board or Committee meeting, but after the presentation, the Interested Person shall leave the meeting during the discussion of, and the vote on, the Proposed Transaction. (b) The chairperson of the Board or Committee shall, if appropriate, appoint a disinterested person or committee to investigate alternatives to the Proposed Transaction. (c) After exercising due diligence, the Board or Committee shall determine whether the Company can obtain with reasonable efforts a more advantageous transaction or arrangement from a person or entity that would not give rise to a Conflict of Interest. (d) If a more advantageous transaction or arrangement is not reasonably possible under circumstances not producing a Conflict of Interest, the Board or Committee shall determine by a majority vote of the disinterested directors whether the Proposed Transaction is in the Company's best interest, for its own benefit, and whether it is fair and reasonable. In conformity with the above determination it shall make its decision as to whether to enter into the Proposed Transaction.”
“A meeting of the disinterested, non-employee members of the board of directors of FinRegLab, Inc. (the "Independent Directors") was held to review and determine the CEO's compensation. The CEO did not attend the meeting of the Independent Directors. The Independent Directors reviewed data on comparable positions at similarly situated non-profit organizations and compensation information provided by an independent third-party non-profit consultant. The Independent Directors reviewed the compensation information, considered the findings, and then determined the compensation package for the CEO, which was then voted on and approved unanimously by the Independent Directors.”
“Governing documents are made available to the public upon request. The form 990 is made available to the public via Guidestar.”
“Contractors”
“The accounting standard on accounting for uncertainty in income taxes addresses the determination of whether tax benefits claimed or expected to be claimed on a tax return should be recorded in the financial statements. Under that guidance, the Organization may recognize the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities based on the technical merits of that position. The tax benefits recognized in the financial statements from such a position are measured based on the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement. There were no unrecognized tax benefits identified or recorded as liabilities for fiscal 2018. The Organization file Form 990 in the US federal jurisdiction. All fiscal years of the Organization could be subject to investigation by the Internal Revenue Service.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 6280 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 68517 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 6731 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | The Organization's mission is to test new technologies and data to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. |
| IRS990/AllOtherContributionsAmt | 0 | 1700000 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 0 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Easy Office dba Jitasa |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2082874777 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1750 W Front Street Suite 200 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Boise |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | ID |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 83702 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 464 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1270420 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 28750 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 28750 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 134167 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 191667 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 3091 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3091 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContriRptFundraisingEventAmt | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 1700000 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 213276 |
| IRS990/CYOtherRevenueAmt | 0 | 1500 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 0 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1218569 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 269655 |
| IRS990/CYTotalExpensesAmt | 0 | 482931 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 37010 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1701500 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 94 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 180 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 487 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 761 |
| IRS990/Desc | 0 | Borrower Risk Assessment with Cash Flow Data - The Organization examines data from participating companies that provide various credit products to consumers and businesses using underwriting models that rely on cash-flow data. The information is used to assess the predictiveness of the cash flow scores and other metrics, the extent to which the companies extend credit to underserved populations, and whether use of the data created potential fair lending risks. Where possible, we also compared the cash-flow data to traditional credit scores and variables. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 4 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 264903 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 1473 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 1473 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 6874 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 9820 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 20000 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 20000 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 21595 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 94799 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 116394 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 45 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Jo Ann Barefoot |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Marla Blow |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Alex Acree |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Amy Friend |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Kabir Kumar |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Brian Brooks |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Melissa Koide |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 191667 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CEO, Treasurer, Secretary |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 2017 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/FundraisingAmt | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1701500 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 2852 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 1039 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3891 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 323 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 323 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 1509 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 2155 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 8 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 761 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 537 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4163 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 4924 |
| IRS990/LegalDomicileStateCd | 0 | DC |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembershipDuesAmt | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | The Organization's mission is to test new technologies and data to inform public policy and drive the financial sector toward a responsible and inclusive financial marketplace. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | -5279 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1213290 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 1786 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 3421 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 9243 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 14450 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 1308 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 829 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 2137 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 888 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 2000 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 5814 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 8702 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 541611 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Speakers Fees |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1500 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1500 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 1500 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 833 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 21125 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 17694 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 39652 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 2863 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 5481 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 14809 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 23153 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 6481 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 6481 |
| IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 493 |
| IRS990/PrincipalOfficerNm | 0 | Melissa Koide |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Credit Policy Working Group - This program is made up of three individual groups each with a wide group of stakeholder, including observers from several federal financial regulatory agencies. Each group has a specific focus, namely the fair and inclusive access to credit, consumer understanding and consent issues in connection with both cash-flow based underwriting and related data transfers, and other policy concerns raised by new types of information ecosystems to facilitate transfers of transaction account data between companies for credit and other uses. The organization also conducts one-on-one interviews and independent analysis of legal and financial policies to identify which issues are most important to determining the pace of adoption for cash-flow based underwriting going forward, the mitigation of risks in the evolving market, and the spread of practices that benefits consumers and small businesses. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 64826 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 0 |
| IRS990/PYTotalExpensesAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1218569 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 0 |
| IRS990ScheduleA/First5Years170Ind | 0 | X |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt | 0 | Speaker Fees |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc | 0 | Schedule A, Part II, Line 10 |
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| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 1500 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 34030 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 1665970 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 1700000 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 1700000 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 1701500 |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
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| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 0 |
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| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
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| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 4163 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 761 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 4924 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 482931 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
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| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
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| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
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| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1701500 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | The accounting standard on accounting for uncertainty in income taxes addresses the determination of whether tax benefits claimed or expected to be claimed on a tax return should be recorded in the financial statements. Under that guidance, the Organization may recognize the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities based on the technical merits of that position. The tax benefits recognized in the financial statements from such a position are measured based on the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement. There were no unrecognized tax benefits identified or recorded as liabilities for fiscal 2018. The Organization file Form 990 in the US federal jurisdiction. All fiscal years of the Organization could be subject to investigation by the Internal Revenue Service. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part X, Line 2 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4163 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 482931 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 0 |
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| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 482931 |
| IRS990ScheduleJ/AnyNonFixedPaymentsInd | 0 | 0 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | 0 |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/Form990OfOtherOrganizationsInd | 0 | X |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Melissa Koide |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO, Treasurer, Secretary |
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| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The 990 is made available to all Board Members to review. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | (a) An Interested Person may make a presentation at the Board or Committee meeting, but after the presentation, the Interested Person shall leave the meeting during the discussion of, and the vote on, the Proposed Transaction. (b) The chairperson of the Board or Committee shall, if appropriate, appoint a disinterested person or committee to investigate alternatives to the Proposed Transaction. (c) After exercising due diligence, the Board or Committee shall determine whether the Company can obtain with reasonable efforts a more advantageous transaction or arrangement from a person or entity that would not give rise to a Conflict of Interest. (d) If a more advantageous transaction or arrangement is not reasonably possible under circumstances not producing a Conflict of Interest, the Board or Committee shall determine by a majority vote of the disinterested directors whether the Proposed Transaction is in the Company's best interest, for its own benefit, and whether it is fair and reasonable. In conformity with the above determination it shall make its decision as to whether to enter into the Proposed Transaction. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | A meeting of the disinterested, non-employee members of the board of directors of FinRegLab, Inc. (the "Independent Directors") was held to review and determine the CEO's compensation. The CEO did not attend the meeting of the Independent Directors. The Independent Directors reviewed data on comparable positions at similarly situated non-profit organizations and compensation information provided by an independent third-party non-profit consultant. The Independent Directors reviewed the compensation information, considered the findings, and then determined the compensation package for the CEO, which was then voted on and approved unanimously by the Independent Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Governing documents are made available to the public upon request. The form 990 is made available to the public via Guidestar. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Contractors |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part IX, Line 11g |
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| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | DC |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 1001 |
| IRS990/TotalAssetsEOYAmt | 0 | 1281807 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 1001 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 1281807 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalContributionsAmt | 0 | 1700000 |
| IRS990/TotalEmployeeCnt | 0 | 4 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 37010 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 116192 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 329729 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 482931 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 6280 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.