2023-08-11T11:20:22-05:00 2022-09-30 410746749 CLIFTONLARSONALLEN LLP 901 N GLEBE ROAD SUITE 200 ARLINGTON VA 22203 990 2021-10-01 361505650 MORTGAGE BANKERS ASSOCIATION MORT 2025572700 1919 M STREET NW 5TH FL WASHINGTON DC 20036 LISA HAYNES CFO & CDIO 2025572700 2023-08-08 1 LISA HAYNES 999009999 ROBERT WILLIAMS P01345960 5712279500 2023-08-08 3 AAL1 IAL1 2021 2023-04-26 12:10:37Z ROBERT D BROEKSMIT 1919 M STREET NW 5TH FL WASHINGTON DC 20036 97155990 0 X WWW.MBA.ORG X 1914 IL MBA'S PRINCIPAL ACTIVITIES ARE INDUSTRY, EDUCATION, RESEARCH, AND ADVOCACY. 39 39 179 2000 1130977 0 141834 110032 44294096 69300588 3159723 3239789 597586 595130 48193239 73245539 480990 553387 0 0 33769176 36189311 0 0 0 12966887 25128807 47217053 61871505 976186 11374034 151811395 142430652 41246396 39624157 110564999 102806495 X THE MORTGAGE BANKERS ASSOCIATION (MBA) IS THE NATIONAL ASSOCIATION REPRESENTING THE REAL ESTATE FINANCE INDUSTRY, AN INDUSTRY THAT EMPLOYS MORE THAN 280,000 PEOPLE IN VIRTUALLY EVERY COMMUNITY IN THE COUNTRY. HEADQUARTERED IN WASHINGTON, D.C., MBA INVESTS IN COMMUNITIES 0 0 MEETINGSDUE TO THE ON-GOING PANDEMIC, MBA CONTINUED TO OFFER VIRTUAL MEETINGS FOR A MAJORITY OF FY2021. BEGINNING IN FY2022 WITH THE ANNUAL CONVENTION IN OCTOBER 2021, MBA WAS FULLY IN PERSON FOR ALL OUR MEETINGS. THE COVID DELTA VARIANT LOOKED LIKE IT COULD DERAIL THE ANNUAL ATTENDANCE, BUT DESPITE THIS EARLY ASSAULT, THE ANNUAL WAS A HUGE SUCCESS. WE RECORDED THE GENERAL SESSIONS AND MARKETED THEM FOR THOSE THAT STILL COULD NOT TRAVEL DUE TO CORPORATE RESTRICTIONS. THIS ALLOWED US TO COVER ALL POSSIBLE REVENUE STREAMS. MBA'S FISCAL YEAR 2022 (FY2022), ENDING SEPTEMBER 30, 2022, SAW MORE THAN 14,648 INDIVIDUAL ATTENDEES AT 16 CONFERENCES AND MEETINGS THAT PROVIDED ATTENDEES WITH TIMELY INFORMATION ABOUT THE ECONOMY, BUSINESS TRENDS, TECHNOLOGICAL INNOVATION AND LEGISLATIVE AND REGULATORY CHANGES AND PROSPECTS. MBA CONDUCTED A SUCCESSFUL ANNUAL CONVENTION IN OCTOBER 2021 WITH 4000 ATTENDEES, THE CREF/MULTIFAMILY HOUSING CONVENTION & EXPO WAS HELD IN FEBRUARY 2022 IN SAN DIEGO WITH 2321 ATTENDEES. SPONSORSHIPS FOR FY2022 SAW SOME OF THEIR STRONGEST NUMBERS IN HISTORY AT 350 FOR THE YEAR AND BOTH SALES WERE STRONG AS VENDORS LOOKED TO INVEST AFTER BEING DORMANT FOR SO LONG DURING THE PANDEMIC. 404 COMPANIES EXHIBITING THEIR PRODUCTS AND SERVICES FOR THE YEAR IS EXTREMELY STRONG. IN ADDITION TO THE TWO LARGE CONVENTIONS EXPECTED FROM A MAJOR ASSOCIATION MENTIONED ABOVE, MBA USUALLY HOSTS 3 ADDITIONAL LARGE CONFERENCES AND EXPOS EACH YEAR (SERVICING SOLUTIONS CONFERENCE AND EXPO, TECHNOLOGY SOLUTIONS CONFERENCE AND EXPO, AND SECONDARY AND CAPITAL MARKETS CONFERENCE AND EXPO) AS WELL AS 10 MORE FINELY FOCUSED SPECIAL INTEREST CONFERENCES, WHICH ARE SPECIALIZED PROGRAMS HELP PARTICIPANTS GAIN KNOWLEDGE AND INFORMATION IN SUCH AREAS AS LEGAL ISSUES AND REGULATORY COMPLIANCE, COMMERCIAL SERVICING, RISK MANAGEMENT, AND ACCOUNTING AND FINANCIAL MANAGEMENT. SEVERAL PROGRAMS QUALIFIED FOR CONTINUING LEGAL EDUCATION CREDIT (CLE), CPE AND OTHER CONTINUING EDUCATION CREDITS. IT IS WORTH MENTIONING THAT WE HAD OVER 330 SESSIONS WITH 922 SPEAKERS. ADVOCACY FOR MEMBERS AND THE INDUSTRYMBA CONTINUES TO BE THE LEADING ADVOCATE FOR THE ENTIRE REAL ESTATE FINANCE INDUSTRY BOTH IN WASHINGTON, D.C. AND IN STATE CAPITALS. IN 2022, THE ASSOCIATION PROVIDED THOUGHT LEADERSHIP ON A VARIETY OF PUBLIC POLICY ISSUES, INCLUDING PATHWAYS TO CREATING AFFORDABLE RENTAL AND HOMEOWNERSHIP OPPORTUNITIES, CLOSING THE RACIAL HOMEOWNERSHIP GAP, STRUCTURAL REFORMS OF THE SECONDARY MORTGAGE MARKET, RATIONALIZING RISK-BASED CAPITAL STANDARDS, COVID-19-RELATED ISSUES IMPACTING INDUSTRY STAKEHOLDERS, TAX POLICIES IMPACTING REAL ESTATE FINANCE, AND OTHER LEGISLATIVE, REGULATORY, AND SUPERVISORY ISSUES. OUR FEDERAL LEGISLATIVE ACCOMPLISHMENTS INCLUDED PROVIDING TESTIMONY AND STATEMENTS FOR THE RECORD BEFORE THE HOUSE FINANCIAL SERVICES AND SENATE BANKING COMMITTEES AND SUPPORT FOR THE ENACTMENT OF SEVERAL INDUSTRY PRIORITIES (BOTH RESIDENTIAL AND COMMERCIAL/MULTIFAMILY), INCLUDING THOSE RELATED TO VA HOME LOAN APPRAISAL REFORMS, FUNDING FOR CRITICAL HUD INFORMATION TECHNOLOGY INFRASTRUCTURE, EXTENDING THE NATIONAL FLOOD INSURANCE PROGRAM, AND THE ADJUSTABLE INTEREST RATE (LIBOR) ACT. THROUGH REGULAR MEETINGS WITH FEDERAL LEGISLATORS AND CONGRESSIONAL STAFF OUR LEGISLATIVE AFFAIRS TEAM PROVIDED EDUCATION AND ADVOCACY ON A WIDE VARIETY OF OTHER REAL ESTATE FINANCE ISSUES (E.G., TAX POLICY, REGULATORY CLARITY, GOVERNMENT HOUSING PROGRAMS, BOTH SINGLE AND MULTIFAMILY, MINIMUM FEDERAL REMOTE ONLINE NOTARIZATION STANDARDS, DATA PRIVACY, FALSE CLAIMS ACT, ETC.). MORE THAN 400 MBA MEMBERS COMPLETED 265 CAPITOL HILL MEETINGS, AND THE MORTGAGE ACTION ALLIANCE REGISTERED 61,000 PARTICIPANTS TO CONDUCT CONSTITUENT ENGAGEMENT.WITH REGARD TO REGULATORY ACHIEVEMENTS IN THE RESIDENTIAL REAL ESTATE FINANCE SECTOR, MBA SUBMITTED COMMENT LETTERS AND PROVIDED GUIDANCE AND SUBSTANTIVE RECOMMENDATIONS THROUGHOUT THE YEAR TO REGULATORY AGENCIES, INCLUDING HUD, VA, USDA, TREASURY, CFPB, FHFA, SEC, OCC, FDIC, AND THE FEDERAL RESERVE. THESE RECOMMENDATIONS COVERED A WIDE-RANGING SET OF MORTGAGE FINANCE ISSUES, INCLUDING ORIGINATION AND SERVICING GUIDELINES, SECONDARY MARKET STRUCTURE, TAX AND ACCOUNTING REQUIREMENTS, CAPITAL AND LIQUIDITY REQUIREMENTS, CONSUMER PROTECTION REGULATIONS, AND DATA SECURITY/PRIVACY. CONSIDERING THE ONGOING CHALLENGES ASSOCIATED WITH THE COVID-19 PANDEMIC IN 2021, THE ASSOCIATION PLAYED A CRITICAL ROLE IN EDUCATING MORTGAGE SERVICERS AND ORIGINATORS, AND ADVISING THE REGULATORY AGENCIES, ON THE IMPACTS OF THESE RULES AND REQUIREMENTS. THE ASSOCIATION ALSO FILED AMICUS BRIEFS IN NUMEROUS CASES SUPPORTING THE INDUSTRY IN DISPUTES OVER IMPORTANT LEGAL ISSUES.IN THE COMMERCIAL AND MULTIFAMILY REAL ESTATE FINANCE SECTOR, MBA'S PUBLIC POLICY IN FISCAL YEAR 2021 SUPPORTED OUR MEMBERS' INTERESTS BY FURTHERING THE OBJECTIVE OF FACILITATING LIQUIDITY AND CAPITAL AVAILABILITY FOR THE INDUSTRY, INCLUDING CONTINUED SUPPORT THROUGHOUT THE COVID-19 PANDEMIC. MBA PROVIDED DATA, INFORMATION, AND RECOMMENDATIONS ON ISSUES AFFECTING THE COMMERCIAL REAL ESTATE FINANCE INDUSTRY TO THE ADMINISTRATION AND REGULATORY AGENCIES, INCLUDING THE CFPB, FDIC, THE FEDERAL RESERVE, FHFA, HUD, OCC, SEC, AND TREASURY. ISSUES INCLUDED: AFFORDABLE RENTAL HOUSING, CLIMATE RISK AND GREEN LENDING, LOW-INCOME HOUSING TAX CREDITS, CONTINUED CAPITAL, AND ACCOUNTING FLEXIBILITY FOR LOAN MODIFICATIONS DURING THE COVID-19 PANDEMIC; FLOOD INSURANCE REGULATIONS, CONTINUED ECONOMIC RELIEF DURING THE PANDEMIC; LIFE COMPANY RISK-BASED CAPITAL STANDARDS, GSE CAPITAL AND REGULATORY POLICY; FHA ISSUES IMPACTING MULTIFAMILY AND RESIDENTIAL HEALTHCARE FINANCE, AND APPRAISAL MATTERS. AT THE STATE LEVEL, WE WORKED WITH NUMEROUS STATE MORTGAGE BANKING ASSOCIATIONS AND OTHER PARTNERS ON A WIDE VARIETY OF HOUSING, LICENSING, AND REAL ESTATE FINANCE ISSUES BY PROVIDING DATA AND POLICY ANALYSIS TO SUPPORT THEIR EFFORTS. AS THE COVID-19 PANDEMIC FORCED SOCIAL DISTANCING, WE WORKED WITH STATES TO URGE THEM TO ALLOW MORTGAGE EMPLOYEES TO WORK REMOTELY, A COMMON-SENSE SOLUTION TO ALIGN OUR INDUSTRY WITH THE REALITIES OF THE PANDEMIC. WE ALSO ADVOCATED IN SUPPORT OF STATE LAWS PERMITTING THE USE OF REMOTE ONLINE NOTARIZATION. IN THE COMMERCIAL AND MULTIFAMILY FINANCE SPACE, WE WORKED WITH OUR STATE AND LOCAL CHAPTERS TO FIND COMMON SENSE SOLUTIONS TO HELP RENTERS, OWNERS, AND LENDERS DURING THE COVID-19 PANDEMIC, AND TO RATIONALIZE ANY NEW TAXES AFFECTING THE INDUSTRY. ADDITIONAL ADVOCACY EFFORTS FOCUSED ON STATE LAWS AND REGULATIONS RELATED TO DATA PRIVACY/SECURITY, MORTGAGE SERVICER CAPITAL AND LIQUIDITY REQUIREMENTS, AND STATE COMMUNITY REINVESTMENT MATTERS.AS THE VOICE OF THE REAL ESTATE INDUSTRY IN WASHINGTON, D.C. AND THROUGHOUT THE NATION, MBA PROVIDES NUMEROUS BUSINESS SEGMENT FORUMS FOR INDUSTRY PROFESSIONALS TO MEET AND DISCUSS ISSUES UNIQUE TO THEIR SECTOR OF THE REAL ESTATE FINANCE MARKET. MBA IS ALSO PROUD TO HOST AND SUPPORT DIVERSITY AND INCLUSION INITIATIVES, YOUNG PROFESSIONALS' GROUPS, AND AFFORDABLE HOMEOWNERSHIP COALITIONS. MEMBERSHIP MBA'S MEMBERSHIP INCLUDES BUSINESSES FROM ALL SEGMENTS OF THE REAL ESTATE FINANCE INDUSTRY. WE ENDED 2022 WITH MORE THAN 2,275 TOTAL MEMBERS. EDUCATIONMBA EDUCATION PROVIDED TRAINING AND DEVELOPMENT TO OVER 80,000 REAL ESTATE PROFESSIONALS REPRESENTING SINGLE-FAMILY AND COMMERCIAL/MULTIFAMILY LENDING DURING THE FISCAL YEAR ENDING SEPTEMBER 30, 2022. TRAINING IS PROVIDED THROUGH A MIX OF DELIVERY FORMATS INCLUDING CLASSROOM-BASED COURSES, INSTRUCTOR-GUIDED ONLINE COURSES, CERTIFICATION AND DESIGNATION PROGRAMS, WEBINARS, AND WEB-BASED SELF-STUDY COURSES. ACROSS MBA EDUCATION'S LIVE PROGRAMMING AND SELF-PACED OFFERINGS, THE DEPARTMENT OFFERS NEARLY 450 TRAINING PROGRAMS COVERING ALL FACETS OF THE INDUSTRY. DURING THE YEAR, MBA EDUCATION LAUNCHED A THREE-MONTH PROGRAM COVERING FHA AFFORDABLE 221(D)(4) LENDING FOR OUR MULTIFAMILY LENDER MEMBERS. OUR 3-COURSE FLAGSHIP PROGRAM, THE SCHOOL OF MORTGAGE BANKING, COMBINED TO TRAIN NEARLY 1,200 STUDENTS. SUCCESSFUL COMPLETION OF THE THREE COURSES RESULTS IN STUDENTS BEING AWARD THE ACCREDITED MORTGAGE PROFESSIONAL (AMP) CERTIFICATION. MBA EDUCATION'S CERTIFICATION AND DESIGNATION PROGRAMS CONTINUED TO BE A SIGNIFICANT BENEFIT TO INDUSTRY PROFESSIONALS. DURING THE FISCAL YEAR, OVER 2,700 INDIVIDUALS ENROLLED IN ONE OF MBA EDUCATION'S SEVEN CERTIFICATION AND DESIGNATION PROGRAMS. 0 1 1 1 0 0 0 0 0 1 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 1 152 0 179 1 1 1 0 0 0 1 1 0 1 0 X 39 39 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X LISA J HAYNES 2025572835 1919 M STREET NW 5TH FLOOR WASHINGTON DC 20036 MARK JONES VICE-CHAIRMAN 4.00 X X 4478 0 0 KRISTY FERCHO CHAIRMAN 4.00 X X 0 0 0 MATTHEW G ROCCO SR CHAIRMAN-ELECT 7.00 X X 0 0 0 SUSAN T STEWART IMMEDIATE PAST CHAIRMAN 1.00 X X 0 0 0 ALBERT P BLANK BOARD MEMBER 0.50 X 0 0 0 BYRON L BOSTON BOARD MEMBER 0.50 X 0 0 0 PATRICK CAREY BOARD MEMBER 0.50 X 0 0 0 TODD CHAMBERLAIN BOARD MEMBER 0.50 X 0 0 0 CHRISTINE R CHANDLER BOARD MEMBER 0.50 X 0 0 0 WILLIAM C EMERSON BOARD MEMBER 0.50 X 0 0 0 LAURA ESCOBAR BOARD MEMBER 0.50 X 0 0 0 MATTHEW E GALLIGAN BOARD MEMBER 0.50 X 0 0 0 ERIC GATES BOARD MEMBER 0.50 X 0 0 0 JACK GAY BOARD MEMBER 0.50 X 0 0 0 CHRISTOPHER M GEORGE BOARD MEMBER 0.50 X 0 0 0 NIMA GHAMSARI BOARD MEMBER 0.50 X 0 0 0 OWEN V LEE BOARD MEMBER 0.50 X 0 0 0 WILLIAM LOWMAN BOARD MEMBER 0.50 X 0 0 0 SONYA LUECHAUER BOARD MEMBER 0.50 X 0 0 0 ANGELA G MAGO BOARD MEMBER 0.50 X 0 0 0 JEFFREY MAJEWSKI BOARD MEMBER 0.50 X 0 0 0 MARY ANN MCGARRY BOARD MEMBER 0.50 X 0 0 0 CLAUDIA J MERKLE BOARD MEMBER 0.50 X 0 0 0 STANLEY C MIDDLEMAN BOARD MEMBER 0.50 X 0 0 0 J DAVID MOTLEY BOARD MEMBER 0.50 X 0 0 0 PETER NORDEN BOARD MEMBER 0.50 X 0 0 0 MARK O'DONOVAN BOARD MEMBER 0.50 X 0 0 0 GARY N OTTEN BOARD MEMBER 0.50 X 0 0 0 KURT PFOTENHAUER BOARD MEMBER 0.50 X 0 0 0 JAY PLUM BOARD MEMBER 0.50 X 0 0 0 CHRISTINE C RHEA BOARD MEMBER 0.50 X 0 0 0 DAVID SPECTOR BOARD MEMBER 0.50 X 0 0 0 DEBRA W STILL BOARD MEMBER 0.50 X 0 0 0 MICHAEL S TANNER BOARD MEMBER 0.50 X 0 0 0 JEFFREY C TAYLOR BOARD MEMBER 0.50 X 0 0 0 JOE TYRRELL BOARD MEMBER 0.50 X 0 0 0 JIM WEHMANN BOARD MEMBER 0.50 X 0 0 0 JEFF WEIDELL BOARD MEMBER 0.50 X 0 0 0 THOMAS L WIND BOARD MEMBER 0.50 X 0 0 0 ROBERT D BROEKSMIT PRESIDENT & CEO 34.70 0.30 X 2029502 0 468385 LISA J HAYNES SVP, CFO AND CDIO 32.70 2.30 X 390837 0 55037 MICHAEL W BRIGGS SVP & GC 32.70 2.30 X 374682 0 41650 MARCIA M DAVIES COO 34.70 0.30 X 902273 0 49782 GORDON R MILLS SVP, RES. POLICY & MEM. ENG. 35.00 X 649239 0 53589 WILLIAM P KILLMER SVP, LEG. & POLITICAL AFFAIRS 35.00 X 600551 0 50531 MICHAEL P FLOOD SVP, CREF & MULTIFAMILY 35.00 X 475285 0 56288 MICHAEL C FRATANONI CHIEF ECON./SVP OF RESR. & IND. TECH. 33.00 2.00 X 447721 0 56024 PETER J GRACE CIO/SVP, STRAT. AND MEM. SERV. 35.00 X 441042 0 57186 STEPHEN O'CONNOR SVP, AFF. HOUSING INITIATIVES 35.00 X 422847 0 55103 JEFFREY SCHUMMER VP, EDUCATION 35.00 X 341063 0 47067 ELAINE HOWARD VP, MEETINGS 35.00 X 324241 0 57553 TRICIA MIGLIAZZO VP, MEMBER ENGAGEMENT 35.00 X 334466 0 25263 JOHN MECHEM VP, PUBLIC AFFAIRS 35.00 X 297602 0 58712 JAMES WOODWELL VP, COMM. REAL ESTATE RES. 35.00 X 313141 0 38297 8348970 0 1170467 106 0 1 0 STRATMOR GROUP LLC PO BOX 19436 BOULDER CO 80308 DATA DRIVEN MORTGAGE ADVISORY 440385 REPUBLIC CONSULTING LLC 8828 CRICK ALY ORLANDO FL 32827 LOBBYING & BUSINESS DEVELOPMENT 180000 THORN RUN PARTNERS 100 M STREET SE SUITE 750 WASHINGTON DC 20003 GOVERNMENT RELATIONS, POLICY & STRATEGIC 150000 BUCKLEY SANDLER LLP 2001 M STREET NW SUITE 500 WASHINGTON DC 20036 FINANCIAL SERVICES, GOVT ENFORCEMENT, AN 120550 PORTERFIELD FETTIG & SEARS LLC 400 NORTH CAPITOL ST NW SUITE 363 WASHINGTON DC 20001 GOVERNMENT RELATIONS AND PUBLIC AFFAIRS 120000 9 110032 110032 MEMBERSHIP DUES 900099 31586884 31586884 CONFERENCES AND PROGRAMS 900099 25477705 25477705 EDUCATION AND PROGRAMS 900099 6527087 6527087 OTHER PROGRAM SERVICES 900099 3850999 3707564 143435 PERIODICALS AND PUBLICATIONS 541800 1857913 870371 987542 69300588 2556104 2556104 595130 595130 24594136 23910451 683685 683685 683685 73245539 68169611 1130977 3834919 553387 7269221 22332612 1714363 3243050 1630065 92411 79500 533920 397640 2022452 147242 3209327 3111093 1975018 2327393 9655109 1203278 374424 61871505 34461877 40694875 386910 526789 2763150 3737792 8598877 5319108 3920511 3279769 109430847 93135844 848100 1055583 151811395 142430652 6528173 6935522 32348342 30141176 2369881 2547459 41246396 39624157 X 110444190 102669504 120809 136991 110564999 102806495 151811395 142430652 11374034 -19132538 0 X 0 1 X 1 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED MORTGAGE BANKERS ASSOCIATION PAC 1919 M STREET NW 5TH FLR WASHINGTON DC 20036 526144335 1704516 0 0 1 31586884 2681421 -2480693 200728 3158688 -2957960 PART I-A LINE 1 MBA'S POLITICAL ACTIVITY FOR THE YEAR ENDED 9/30/22 CONSISTED OF ACTIVITIES CONDUCTED SOLELY THROUGH ITS CONNECTED PAC, THE MORTGAGE BANKERS ASSOCIATION PAC (MORPAC) 3012043 2082719 929324 5096547 2769482 2327065 490287 466907 23380 3279769 DEFERRED RENT AND LEASE INCENTIVE 2330610 DUE TO AFFILIATES 37579 457 PLAN LIABLITY 179270 2547459 0 BISHOP JOHN T WALKER SCHOOL FOR BOYS 1801 MISSISSIPPI AVE SE WASHINGTON DC 20020 530196608 501C3 15000 0 ANNUAL DINNER SPONSOR CONGRESSIONAL SPORTS FOR CHARITY PO BOX 1987 ALEXANDRIA VA 22313 812118591 501C3 10000 0 SPONSOR GRAND SLAM CONGRESS BASEBALL FANNIE MAE - WALL STREET PREP 1100 15TH STREET NW WASHINGTON DC 20005 520883107 STATE GOV 25500 0 SPONSOR FUTURE HOUSING LEADERS PROG HBCU BUSINESS DEANS ROUNDTABLE PO BOX 6873 COLUMBUS GA 31917 721491905 501C3 15000 0 HBCU BUSINESS DEANS ROUNDTABLE HOMEFREE-USA INC 6200 BALTIMORE AVE RIVERDALE MD 20737 521885132 501C3 62500 0 GENERAL SUPPORT/SPONSORSHIP HOMEOWNERSHIP COUNCIL OF AMERICA 712 H ST NE UNIT 725 WASHINGTON DC 20002 870798977 501C3 10000 0 ANNUAL DONATION LENDERS ONE 12747 OLIVE BLVD STE 300 ST LOUIS MO 63141 431916565 COOP 12500 0 ANNUAL SPONSORSHIP MBA OPENS DOORS FOUNDATION 1919 M ST NW 5TH FL WASHINGTON DC 20036 320355086 501C3 40524 0 DONATIONS AND MBA STAFF MATCHING GIFTS NAACP LEGAL DEFENSE & EDUCATIONAL FUND INC 40 RECTOR ST FL 5 NEW YORK NY 10006 131655255 501C3 50000 0 ANNUAL DONATION NATIONAL ASSOCIATION OF MINORITY MORTGAGE BANKERS OF AMERICA IN PO BOX 7246 ATLANTA GA 30357 814649521 501C3 15000 0 SPONSOR ANNUAL DIAMOND DINNER NATIONAL ASSOCIATION OF REAL ESTATE BROKERS 9831 GREENBELT RD STE 309 LANHAM MD 20706 366125210 501C3 35000 0 GENERAL SUPPORT/SPONSORSHIP NATIONAL COMMUNITY REINVESTMENT COALITION 727 15TH ST NW STE 900 WASHINGTON DC 20005 521766126 501C3 10000 0 ANNUAL CONFERENCE SPONSOR NATIONAL FAIR HOUSING ALLIANCE 1101 VERMONT AVE NW STE 710 WASHINGTON DC 20005 521676364 501C3 10000 0 ANNUAL CONFERENCE SPONSOR NATIONAL HOUSING CONFERENCE INC 1900 M ST NW STE 200 WASHINGTON DC 20035 530208180 501C3 15000 0 MEMBERSHIP & SPONSORSHIP NATIONAL URBAN LEAGUE 80 PINE STREET 9TH FLR NEW YORK NY 10005 131840489 501C3 10000 0 SPONSOR URBAN SOLUTIONS COUNCIL OHIO MORTGAGE BANKERS ASSOCIATION 242 THURMAN AVENUE COLUMBUS OH 43206 237111836 501C6 15000 0 SPONSOR OMBA AFFORDABLE HOUSING TN HOUSING DEVELOPMENT AGENCY 502 DEADERICK ST FL3 NASHVILLE TN 37243 526001445 STATE GOV 12500 0 SPONSORSHIP UP FOR GROWTH ACTION INC 1627 I ST NW STE 1130 WASHINGTON DC 20006 823579775 CORP 13500 0 SPONSOR STATE SERIES WEBINAR/SUMMIT URBAN INSTITUTE 2100 M ST NW WASHINGTON DC 20037 520880375 501C3 10000 0 CONTRIBUTION COLUMBIA UNIVERSITY COLUMBIA UNIVERSITY IN THE CITY OF NY NEW YORK NY 10027 135598093 501C3 25000 0 DONATION-GIVING TO COLUMBIA NF FORWARD INC 1074 WOODWARD AVENUE DETROIT MI 48226 821672519 501C3 7500 0 DONATION 16 5 X X X X 1 1 X X X X 0 0 0 ROBERT D BROEKSMIT PRESIDENT & CEO 1104537 0 903053 0 21912 0 432983 0 35402 0 2497887 0 0 0 MARCIA M DAVIES COO 614209 0 265000 0 23064 0 24650 0 25132 0 952055 0 0 0 GORDON R MILLS SVP, RES. POLICY & MEM. ENG. 540675 0 105000 0 3564 0 24650 0 28939 0 702828 0 0 0 WILLIAM P KILLMER SVP, LEG. & POLITICAL AFFAIRS 502487 0 75000 0 23064 0 24650 0 25881 0 651082 0 0 0 MICHAEL P FLOOD SVP, CREF & MULTIFAMILY 387275 0 80000 0 8010 0 24650 0 31638 0 531573 0 0 0 MICHAEL C FRATANONI CHIEF ECON./SVP OF RESR. & IND. TECH 361979 0 65000 0 20742 0 24650 0 31374 0 503745 0 0 0 PETER J GRACE CIO/SVP, STRAT. AND MEM. SERV. 360300 0 60000 0 20742 0 24650 0 32536 0 498228 0 0 0 STEPHEN O'CONNOR SVP, AFF. HOUSING INITIATIVES 365650 0 50000 0 7197 0 24650 0 30453 0 477950 0 0 0 LISA J HAYNES SVP, CFO AND CDIO 332515 0 50000 0 8322 0 24650 0 30387 0 445874 0 0 0 MICHAEL W BRIGGS SVP & GC 337360 0 35000 0 2322 0 24650 0 17000 0 416332 0 0 0 JEFFREY SCHUMMER VP, EDUCATION 217790 0 119515 0 3758 0 24650 0 22417 0 388130 0 0 0 ELAINE HOWARD VP, MEETINGS 292068 0 28609 0 3564 0 24350 0 33203 0 381794 0 0 0 TRICIA MIGLIAZZO VP, MEMBER ENGAGEMENT 149701 0 172582 0 12183 0 24350 0 913 0 359729 0 0 0 JOHN MECHEM VP, PUBLIC AFFAIRS 278360 0 18000 0 1242 0 24310 0 34402 0 356314 0 0 0 JAMES WOODWELL VP, COMM. REAL ESTATE RES. 290610 0 20209 0 2322 0 24350 0 13947 0 351438 0 0 0 PART I, LINE 1A INFORMATION ABOUT THE LISTED BENEFITS IS AS FOLLOWS. FIRST CLASS OR CHARTER TRAVEL: 3 OFFICERS, KEY EMPLOYEES, AND DIRECTORS RECEIVED THE BENEFIT. TRAVEL FOR COMPANIONS: 3 OFFICERS, KEY EMPLOYEES, AND DIRECTORS RECEIVED THE BENEFIT. GROSS UP PAYMENTS: 1 BOARD OF DIRECTOR RECEIVED THE BENEFIT. SOCIAL CLUB DUES: 1 OFFICER RECEIVED THE BENEFIT. THESE BENEFITS WERE NOT TREATED AS TAXABLE COMPENSATION TO THE LISTED PERSONS, EXCEPT FOR BOARD MEMBER'S COMPANION TRAVEL. FORM 990, PART VI, SECTION A, LINE 1A MBA HAS AN EXECUTIVE COMMITTEE THAT IS EMPOWERED TO ACT ON BEHALF OF THE FULL BOARD OF DIRECTORS BETWEEN MEETINGS. THE COMMITTEE DOES NOT HAVE THE AUTHORITY TO ADOPT OFFICIAL POSITIONS ON PUBLIC POLICY MATTERS (UNLESS EXPLICITLY PROVIDED THAT POWER); APPROVE THE ANNUAL BUDGET; DETERMINE MEMBER DUES; APPOINT OR REMOVE THE PRESIDENT AND CEO; FILL BOARD AND EXECUTIVE COMMITTEE VACANCIES; ADOPT BYLAWS AMENDMENTS; APPROVE ORGANIZATIONAL CONSOLIDATION OR MERGER; OR ELIMINATE A STANDING COMMITTEE. THE EXECUTIVE COMMITTEE IS COMPOSED OF THE ELECTED OFFICERS AND THE CHAIRS OF COMBOG AND RESBOG, AS WELL AS THE PRESIDENT AND CEO OF THE ASSOCIATION SERVICING EX OFFICIO AS NONVOTING MEMBER. FORM 990, PART VI, SECTION A, LINE 6 MBA IS A NONPROFIT MEMBERSHIP CORPORATION. IT HAS THE FOLLOWING CLASSES OF MEMBERSHIP: (A) REGULAR MEMBERS - FINANCIAL INSTITUTIONS AND OTHER ENTITIES THAT ARE REGULARLY IN THE BUSINESS OF ORIGINATING, SERVICING, OR INVESTING IN MORTGAGE LOANS OR OTHERWISE SHARE IN THE RISK OF MORTGAGE LOAN PERFORMANCE, SUCH AS MORTGAGE INSURERS AND TITLE INSURANCE UNDERWRITERS, SHALL BE CONSIDERED REGULAR MEMBERS. (B) ASSOCIATE MEMBERS - BUSINESS ORGANIZATIONS, FINANCIAL INSTITUTIONS, AND INDIVIDUALS THAT REGULARLY PROVIDE SERVICE OR PRODUCTS FOR BUSINESS ORGANIZATIONS OR FINANCIAL INSTITUTIONS ELIGIBLE TO BE REGULAR MEMBERS SHALL BE CONSIDERED ASSOCIATE MEMBERS. (C) ALLIANCE MEMBER - THE BOARD OF DIRECTORS NAMES AS THE SOLE ALLIANCE MEMBER THE MORTGAGE ACTION ALLIANCE, INC., AN AFFILIATE ORGANIZATION THAT OPERATES TO PROMOTE THE COMMON BUSINESS INTERESTS OF THE RESIDENTIAL AND COMMERCIAL REAL ESTATE FINANCE INDUSTRIES THROUGH GRASSROOTS ADVOCACY ACTIVITIES. (D) HONORARY MEMBERS - INDIVIDUALS WHO HAVE SERVED ALL OR PART OF TWO TERMS AS A MEMBER OF ONE OF THE BOARD OF GOVERNORS, OR WHO HAVE SERVED AS AN OFFICER FOR TWO YEARS, AND WHO HAVE RETIRED FROM ACTIVE BUSINESS SHALL BE CONSIDERED HONORARY MEMBERS. (E) STUDENT MEMBERS - INDIVIDUALS (I) WHO, PRIOR TO EMPLOYMENT IN THE REAL ESTATE FINANCE INDUSTRY, ARE VALIDLY ENROLLED IN A COMMUNITY OR OTHER TWO-YEAR COLLEGE OR OTHER POST-SECONDARY EDUCATIONAL INSTITUTION ("EDUCATIONAL INSTITUTION") AND ALSO VALIDLY ENROLLED IN THE ASSOCIATION'S CURRENT CAREER EDUCATION COURSE, OR OTHER COMPARABLE INSTRUCTIONAL COURSE PROVIDED BY THE ASSOCIATION, OR (II) WHO, PRIOR TO EMPLOYMENT IN THE REAL ESTATE FINANCE INDUSTRY, ARE VALIDLY ENROLLED IN ANY EDUCATIONAL INSTITUTIONAL AFTER COMPLETING THE ASSOCIATION'S CURRENT CAREER EDUCATION COURSE, OR OTHER COMPARABLE INSTRUCTIONAL COURSE PROVIDED BY THE ASSOCIATION. FORM 990, PART VI, SECTION A, LINE 7A UNDER THE ASSOCIATION'S BYLAWS, ONLY REGULAR MEMBERS AND THE ALLIANCE MEMBER MAY ELECT OFFICERS AND THE AT-LARGE MEMBERS OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B REGULAR MEMBERS ARE REQUIRED TO APPROVE A PLAN OF MERGER THAT CALLS FOR THE ASSOCIATION TO MERGE INTO ANOTHER ASSOCIATION OR OTHER ENTITY, OR A PLAN OF MERGER THAT CALLS FOR THE ASSOCIATION TO ABSORB ANOTHER ASSOCIATION OR OTHER ENTITY, AND THE MERGER WOULD RESULT IN (I) A NAME CHANGE FOR THE ASSOCIATION, (II) THE CREATION OF A NEW MEMBERSHIP CLASS, (III) THE ELIMINATION OF A MEMBERSHIP CLASS, OR (IV) A SUBSTANTIAL CHANGE TO THE THEN CURRENT GOVERNANCE SYSTEM. IN ADDITION, REGULAR MEMBERS ARE REQUIRED TO APPROVE A PLAN FOR CONSOLIDATION WHEREBY THE ASSOCIATION WOULD COMBINE WITH ONE OR MORE ASSOCIATIONS TO CREATE A NEW ASSOCIATION AND CEASE TO EXIST AS AN INDEPENDENT ENTITY. FORM 990, PART VI, SECTION B, LINE 11B FIVE INDEPENDENT MEMBERS OF THE AUDIT COMMITTEE, WHICH IS A BOARD-LEVEL COMMITTEE, RECEIVED A COPY OF THE FORM 990 BEFORE ITS FILING. FORM 990, PART VI, SECTION B, LINE 12C IT IS MBA'S POLICY THAT NO COVERED PARTY PARTICIPATE IN THE EVALUATION OR APPROVAL BY MBA OF ANY CONTRACTUAL ARRANGEMENT TO WHICH MBA MAY BECOME A PARTY IF THE COVERED PARTY'S PARTICIPATION WOULD CREATE AN ACTUAL OR POTENTIAL CONFLICT OF INTEREST. MBA'S CONFLICTS POLICY WILL BE CONTINOUSLY MONITORED BY THE BOARD OF DIRECTORS ON AN ONGOING BASIS FOR COMPLIANCE WITH THE POLICY AND REQUIRES ANNUAL DISCLOSURE TO THE MBA GENERAL COUNSEL AND SECRETARY OF "CONFLICTS OF INTEREST" DEFINED AS A SITUATION IN WHICH A COVERED PARTY WOULD PARTICIPATE IN THE EVALUATION OR APPROVAL BY MBA OF ANY CONTRACTUAL ARRANGEMENT TO WHICH MBA MAY BECOME A PARTY, IF SUCH INDIVIDUAL, OR SUCH INDIVIDUAL'S EMPLOYER, WOULD OBTAIN MORE THAN AN INSIGNIFICANT FINANCIAL BENEFIT, EITHER DIRECTLY OR INDIRECTLY. "COVERED PARTY" MEANS A MEMBER OF THE MBA BOARD OF DIRECTORS OR A MEMBER OF THE BOARD COMMITTEE OR BOARD TASK FORCE THAT MAY BOTH (I) RECOMMEND ENTERING INTO CONTRACTS AND (II) PLAY A ROLE IN VENDOR REVIEW AND SELECTION. MOREOVER, COVERED PARTIES ARE SUPPOSED TO UPDATE THEIR DISCLOSURES AS CIRCUMSTANCES WARRANT AND PROVIDE THEM TO THE MBA GENERAL COUNSEL AND SECRETARY. THE DISINTERESTED MEMBERS OF THE EXECUTIVE COMMITTEE OF THE MBA BOARD OF DIRECTORS SHALL DETERMINE WHETHER A CONFLICT OF INTEREST EXISTS OR BEHAVIOR IN CONFLICT WITH THIS POLICY HAS OCCURRED, AND WHAT SUBSEQUENT ACTION IS APPROPRIATE (IF ANY) AND ITS DECISION WILL BE FINAL, EXCEPT AS FOLLOWS. THE EXECUTIVE COMMITTEE SHALL INFORM THE FULL BOARD OF DIRECTORS OF ANY DISAGREEMENT BETWEEN THE EXECUTIVE COMMITTEE AND THE DISCLOSING DIRECTOR AS TO ITS DETERMINATION THAT A CONFLICT OF INTEREST, OR BEHAVIOR IN CONFLICT OF THE POLICY, EXISTS AND ANY RECOMMENDED ACTION. THE BOARD SHALL RETAIN THE RIGHT TO MODIFY OR REVERSE THE EXECUTIVE COMMITTEE'S DETERMINATIONS IN THIS CONTEXT. THE CONFLICTS OF INTEREST POLICY ALSO ADDRESSES CONFIDENTIALITY. FORM 990, PART VI, SECTION B, LINE 15 PROCESS FOR PRESIDENT AND CEO 1. REVIEW AND APPROVAL. THE COMPENSATION COMMITTEE, ON BEHALF OF THE BOARD, WILL REVIEW AND APPROVE THE COMPENSATION OF MBA'S CHIEF EMPLOYED EXECUTIVE, THE PRESIDENT, PROVIDED THAT INDIVIDUALS WITH CONFLICTS OF INTEREST WITH RESPECT TO THE COMPENSATION ARRANGEMENT AT ISSUE ARE NOT INVOLVED IN THIS REVIEW AND APPROVAL. 'COMPENSATION' MEANS INITIAL SALARY, SPECIAL BENEFITS NOT GENERALLY AVAILABLE TO MBA STAFF, SALARY INCREASES AND BONUSES. 2. USE OF DATA AS TO COMPARABLE COMPENSATION. THE COMPENSATION COMMITTEE WILL REVIEW AND SET THE COMPENSATION OF THE PRESIDENT USING AS REFERENCES POINTS: (I) COMPENSATION OF ANY PREDECESSOR PRESIDENT, AND (II) READILY AVAILABLE PUBLIC DATA AS TO COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED ORGANIZATIONS (FORMAL BENCHMARKING STUDIES BY OUTSIDE COMPENSATION CONSULTANTS NEED NOT BE COMMISSIONED ANNUALLY BUT MAY BE SOUGHT PERIODICALLY). 3. ASSESSMENT OR PERFORMANCE. THE COMPENSATION COMMITTEE WILL TAKE INTO ACCOUNT: (I) THE LEVEL OF ATTAINMENT OF MBA'S GOALS AND OBJECTIVES OVER THE REVIEW PERIOD, (II) THE NATURE OF THE PARTICULAR EXTERNAL AND INTERNAL CHALLENGES FACING MBA OVER THE REVIEW PERIOD, AND (III) SUCH OTHER CONSIDERATIONS AS MAY BE APPLICABLE UNDER THE PREVAILING CIRCUMSTANCES. 4. CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING. THERE IS CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO THE DECISIONS REGARDING THE COMPENSATION ARRANGEMENT. 5. A COMPENSATION CONSULTANT IS HIRED TO ADVISE IN THIS PROCESS. PROCESS FOR SPECIFIED KEY EMPLOYEES 1. REVIEW AND APPROVAL. THE PRESIDENT WILL SUBMIT RECOMMENDATIONS TO THE COMPENSATION COMMITTEE FOR REVIEW AND APPROVAL OF THE TOTAL COMPENSATION OF THE FOLLOWING SPECIFIED KEY EMPLOYEES, AS DEFINED IN THE INTERNAL REVENUE SERVICE'S FORM 990 INSTRUCTIONS: -- THE CHIEF FINANCIAL OFFICER -- THE SECRETARY, AS APPROVED BY THE BOARD OF DIRECTORS -- ALL SENIOR VICE PRESIDENTS PROVIDED THAT INDIVIDUALS WITH CONFLICTS OF INTEREST WITH RESPECT TO THE COMPENSATION ARRANGEMENT AT ISSUE ARE NOT INVOLVED IN THIS REVIEW AND APPROVAL. 'COMPENSATION' MEANS INITIAL SALARY, SPECIAL BENEFITS NOT GENERALLY AVAILABLE TO MBA STAFF, SALARY INCREASES AND BONUSES. 2. USE OF DATA AS TO COMPARABLE COMPENSATION. THE COMPENSATION COMMITTEE WILL REVIEW AND SET THE COMPENSATION OF THE SPECIFIED KEY EMPLOYEES, BASED ON THE RECOMMENDATIONS OF THE PRESIDENT, WHO WILL USE AS REFERENCES POINTS: (I)READILY AVAILABLE PUBLIC OR OTHER DATA AS TO COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED ORGANIZATIONS (MBA NEED NOT OBTAIN FORMAL BENCHMARKING STUDIES FROM OUTSIDE COMPENSATION CONSULTANTS ANNUALLY BUT THESE MAY BE SOUGHT PERIODICALLY); AND (II) THE SALARY AND LENGTH OF SERVICE OF THE PREVIOUS INCUMBENT. 3. ASSESSMENT OF PERFORMANCE. THE COMPENSATION COMMITTEE WILL REVIEW OF SPECIFIED KEY EMPLOYEES THE PRESIDENT'S ASSESSMENT OF -- (I) THE LEVEL OF ATTAINMENT OF MBA'S GOALS AND OBJECTIVES OVER THE REVIEW PERIOD; (II) THE LEVEL OF ATTAINMENT OF A SPECIFIED KEY EMPLOYEE'S INDIVIDUAL GOALS AND OBJECTIVES OVER THE REVIEW PERIOD; (III) THE NATURE OF THE PARTICULAR EXTERNAL AND INTERNAL CHALLENGES FACING MBA OVER THE REVIEW PERIOD; AND (IV) OTHER, DOCUMENTED CONSIDERATIONS THAT MAY BE APPLICABLE UNDER THE PREVAILING CIRCUMSTANCES. 4. CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING. THERE IS CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO DECISIONS REGARDING THE COMPENSATION ARRANGEMENTS. 5. A COMPENSATION CONSULTANT IS HIRED TO ADVISE IN THIS PROCESS. PROCESS FOR REMAINING EMPLOYEES 1. THE PRESIDENT IS AUTHORIZED AND DIRECTED TO: (A) IMPLEMENT MBA'S PRESENT EMPLOYEE POSITION CLASSIFICATION SYSTEM THAT IDENTIFIES FUNCTIONALLY COMPARABLE POSITIONS ACROSS GROUPS, AND (B) ADMINISTER A COMPENSATION PLAN BASED ON: (I) SUCH CLASSIFICATION SYSTEM, (II) REASONABLY AVAILABLE CURRENT COMPENSATION DATA FROM SIMILARLY SITUATED ASSOCIATIONS, (III) MBA'S GOALS AND OBJECTIVES, AND (IV) SUCH OTHER CRITERIA OR CONSIDERATIONS THAT MAY BE APPLICABLE UNDER THE PREVAILING CIRCUMSTANCES. 2. THE PRESIDENT IS FURTHER AUTHORIZED TO REVISIT THE EMPLOYEE CLASSIFICATION SYSTEM AS WELL AS TO ENGAGE COMPENSATION CONSULTANTS, FROM TIME TO TIME, TO HELP ASSURE THAT THE EMPLOYEE CLASSIFICATION SYSTEM AND THE COMPENSATION DATA AND PLAN REMAIN RELEVANT TO THE ACHIEVEMENT OF MBA'S OVERALL GOALS AND OBJECTIVES. 3. UNDER EXCEPTIONAL CIRCUMSTANCES THAT MUST BE DOCUMENTED AND REPORTED TO THE COMPENSATION COMMITTEE, THE PRESIDENT IS AUTHORIZED TO OFFER SIGNING OR RETENTION BONUSES AND OTHER FORMS OF COMPENSATION TO EMPLOYEES IN ORDER TO HELP ASSURE THE SMOOTH OPERATION OF MBA AND/OR THE ACHIEVEMENT OF SIGNIFICANT MBA GOALS AND OBJECTIVES. FORM 990, PART VI, SECTION C, LINE 19 CHARTER, BYLAWS AND CONFLICTS OF INTEREST POLICY ARE PROVIDED UPON REQUEST. FINANCIAL INFORMATION IS PROVIDED THROUGH THE FORM 990 UPON REQUEST. FINANCIAL STATEMENTS ARE PROVIDED TO THE BOARD OF DIRECTORS AND ARE NOT MADE AVAILABLE PUBLICLY. 1331 L STREET LLC 1919 M STREET NW 5TH FL WASHINGTON DC 20036 331210397 HELD MBA HEADQUARTERS OFFICE BUILDING DE 0 0 MORTGAGE BANKERS ASSOCIATION MBA FIRST LLC 1919 M STREET NW 5TH FL WASHINGTON DC 20036 PROVIDES SVCS TO ORGANIZATIONS IN THE REAL ESTATE FINANCE INDUSTRY DC 0 0 MORTGAGE BANKERS ASSOCIATION MBA OPENS DOORS FOUNDATION 1919 M STREET NW 5TH FL WASHINGTON DC 20036 320355086 RENTAL & MORTGAGE ASSISTANCE TO FAMILIES WITH CRITICALLY ILL CHILDREN DE 501(C)(3) LINE 7 MORTGAGE BANKERS ASSOCIATION 1 MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE 1919 M STREET NW 5TH FL WASHINGTON DC 20036 526144335 POLITICAL ACTION COMMITTEE DC 527 MORTGAGE BANKERS ASSOCIATION 1 MORTGAGE ACTION ALLIANCE INC 1919 M STREET NW 5TH FL WASHINGTON DC 20036 271893100 SUPPORT COMMON BUSINESS INTERESTS OF REAL ESTATE FINANCE INDUSTRY DE 501(C)(6) MORTGAGE BANKERS ASSOCIATION 1 MORTGAGE INDUSTRY STANDARDS MAINTENANCE ORGANIZATION INC 1919 M STREET NW 5TH FL WASHINGTON DC 20036 510502943 DEVELOPING, PROMOTING AND MAINTAINING VOLUNTARY ELECTRONIC COMMERCE STDS DE 501(C)(6) MORTGAGE BANKERS ASSOCIATION 1 RESEARCH INSTITUTE FOR HOUSING AMERICA 1919 M STREET NW 5TH FL WASHINGTON DC 20036 366109824 FURTHERING RESEARCH IN THE FIELD OF MORTGAGE BANKING AND REAL ESTATE FINANCE IL 501(C)(3) LINE 12A TYPE I MORTGAGE BANKERS ASSOCIATION 1 0 1 1 0 0 0 0 0 0 0 0 1 0 1 1 1 1 0 1 RIHA - SALARY SUPPLEMENTSHARING OF EMPLOYEES O 30000 CASH-BOOK VALUE RIHA - REIMBURSEMENT OF EXPENDITURES Q 11343 CASH-BOOK VALUE MISMO INC - CONTRACTUAL FEE L 2082660 CASH-BOOK VALUE MISMO INC - ACTUAL EXPENDITURES Q 322744 CASH-BOOK VALUE MISMO INC - REIMBURSEMENT FOR CREDIT CARD RECEIPTS P 1031551 CASH-BOOK VALUE MBA OPENS DOORS FOUNDATION-MBA GUIDE BOOK SALES B 44205 CASH-BOOK VALUE MBA OPENS DOORS FOUNDATION-SHARING OF EMPLOYEES O 602697 CASH-BOOK VALUE MBA OPENS DOORS FOUNDATION-SHARING OF FACILITIES N 34423 CASH-BOOK VALUE MBA OPENS DOORS FOUNDATION-REIMBURSEMENT OF EXPENDITURES P 301019 CASH-BOOK VALUE RIHA - PASSTHROUGH TRANSACTION S 100000 CASH-BOOK VALUE