Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
Liabilities / Revenue
90th percentile
Higher debt load relative to revenue than 90% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
99th percentile
Higher top officer pay than 99% of similar nonprofits.
Top officer pay equals 120.2% of source-year revenue.
Asset Growth
6th percentile
Faster asset growth than 6% of similar nonprofits.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Down$422,959
Down $858,848 (-67%) from 2018
Net Assets
Down$363,859
Down $849,431 (-70%) from 2018
Liabilities
Down$59,100
Down $9,417 (-14%) from 2018
Revenue
Down$201,000
Down $1,500,500 (-88%) from 2018
Expenses
Up$1,050,431
Up $567,500 (+118%) from 2018
Net Income
Down-$849,431
Down $2,068,000 (-170%) from 2018
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 | $1,270,420 | $355,171 | ▼ $915,249 |
| Accounts Receivable | $6,731 | $50,000 | ▲ $43,269 |
| Prepaid Expenses and Deferred Charges | $493 | $12,306 | ▲ $11,813 |
| Land, Buildings, and Equipment, Net | $4,163 | $5,482 | ▲ $1,319 |
| Total Assets | $1,281,807 | $422,959 | ▼ $858,848 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $68,517 | $59,100 | ▼ $9,417 |
| Other Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $68,517 | $59,100 | ▼ $9,417 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $1,213,290 | $363,859 | ▼ $849,431 |
| Net Assets With Donor Restrictions | $0 | $0 | → $0 |
| Total Net Assets Fund Balance | $1,213,290 | $363,859 | ▼ $849,431 |
| Total Liabilities and Net Assets / Fund Balance | $1,281,807 | $422,959 | ▼ $858,848 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $5,482 | $3,324 | $8,806 |
| 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 | President & CEO | FT | $211,666 | $30,000 | $241,666 |
| Kelly Thompson Cochran | Treasurer & Secretary | FT | $158,375 | - | $158,375 |
| Name | Title |
|---|---|
| Jo Ann Barefoot | Chairman of the Board |
| Alexander Acree | Board Member |
| Amy Friend | Board Member |
| Brian Brooks | Board Member |
| Cantwell Falkner Muckenfuss III | Board Member |
| Marla Blow | Board Member |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $712,661 |
| Other Expenses | $337,770 |
| Total Fundraising Expense | $116,510 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $280,980 | $68,768 | $50,293 | $400,041 |
| Other Salaries and Wages | $160,896 | $39,378 | $28,799 | $229,073 |
| Fees for Services Other | $114,664 | $37,550 | $14,000 | $166,214 |
| Travel | $41,536 | $7,419 | $2,962 | $51,917 |
| Occupancy | $40,407 | $2,412 | $7,589 | $50,408 |
| Payroll Taxes | $31,213 | $8,557 | $5,201 | $44,971 |
| Fees for Services Accounting | $7,729 | $24,339 | $2,321 | $34,389 |
| Other Employee Benefits | $15,385 | $4,418 | $2,373 | $22,176 |
| Information Technology | $3,983 | $12,791 | $434 | $17,208 |
| Pension Plan Contributions | $10,228 | $4,644 | $1,528 | $16,400 |
| Office Expenses | $2,552 | $4,330 | $306 | $7,188 |
| Conferences and Meetings | $3,996 | $765 | - | $4,761 |
| Insurance | $1,854 | $883 | $385 | $3,122 |
| Depreciation Depletion | $1,795 | $449 | $319 | $2,563 |
| Total Functional Expenses | $717,218 | $216,703 | $116,510 | $1,050,431 |
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $1,056,273 |
| Expenses per Audited Statements | $1,050,431 |
| Total Expenses per Form 990 | $1,050,431 |
| Expenses Not Reported on Form 990 | $5,842 |
| Expenses Not Reported on Financial Statements | $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.”
“IT, Marketing and Analyst Consultants”
“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 2019. The Organization files Form 990 in the U.S. 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 | 68517 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 59100 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 6731 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 50000 |
| 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 | 201000 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| 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/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1270420 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 355171 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 50293 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 68768 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 280980 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 400041 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 765 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 3996 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 4761 |
| 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 | 201000 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 337770 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 0 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -849431 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 712661 |
| IRS990/CYTotalExpensesAmt | 0 | 1050431 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 116510 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 201000 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 319 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 449 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 1795 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 2563 |
| 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/DonorRestrictionNetAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/DonorRestrictionNetAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 493310 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 2321 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 24339 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 7729 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 34389 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 14000 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 37550 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 114664 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 166214 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form1098CFiledInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form8899Filedind | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 45 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 45 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1 |
| 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | 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/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Melissa Koide |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Kelly Thompson Cochran |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Jo Ann Barefoot |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Alexander Acree |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Cantwell Falkner Muckenfuss III |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Marla Blow |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Amy Friend |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Brian Brooks |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 241666 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 158375 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| 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/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Treasurer & Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Chairman of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Member |
| 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 | 7 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 201000 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 434 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 12791 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 3983 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 17208 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 385 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 883 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 1854 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 3122 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 12 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3324 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 4163 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5482 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 8806 |
| 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/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 | 1213290 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 363859 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 1213290 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 363859 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 7589 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 2412 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 40407 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 50408 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 306 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 4330 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 2552 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 7188 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 2373 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 4418 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 15385 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 22176 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 28799 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 39378 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 160896 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 229073 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 5201 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 8557 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 31213 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 44971 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 1528 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 4644 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 10228 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 16400 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 493 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 12306 |
| IRS990/PrincipalOfficerNm | 0 | Melissa Koide |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Explainability of Machine Learning Underwriting Models: The Organization is conducting research on the capabilities of model diagnostic tools provided by several technology companies that is designed to improve the explainability of machine learning underwriting models. This investigation will focus on the ability of the model diagnostic tools to detect model performance deterioration for various forms of machine learning models, to identify disparate impact and help lenders mitigate the underlying cause, and to reliably identify the primary bases of individual underwriting decisions. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 193004 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
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| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Customer Onboarding/Identity/Know Your Customer: Within the organization's broader research into the challenges and opportunities for addressing financial inclusion goals, the organization is fousing on data and technology solutions to address the financial sector's requirements to verify the identities of customers, which is a legal requirement known as "Know your Customer" under the Bank Secrecy Act. This work generally includes reviews of technology and data solutions that could be studied to identify more effective methods to verify the identities of underserved persons and small businesses. the work specifically entails interviews with technology vendors, reviews of academic and news publications, summaries of secondary research and speeches and other public engagement. |
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| IRS990/PYOtherRevenueAmt | 0 | 1500 |
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| IRS990/PYRevenuesLessExpensesAmt | 0 | 1218569 |
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| 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 2019. The Organization files Form 990 in the U.S. federal jurisdiction. All fiscal years of the Organization could be subject to investigation by the Internal Revenue Service. |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.