2021-02-11T13:53:14-08:00 2020-03-31 472626541 Cook & Company A Prof Actncy Corp 388 Market Street Suite 1300 San Francisco CA 94111 990 2019-04-01 237172908 San Francisco Consumer Action SANF 4157779648 57 Post Street Suite 611 San Francisco CA 94104 Ken McEldowney Executive Director 2021-02-11 true Douglas E Cook CPAMPA P01521705 4156211112 2019 2022-09-23 18:48:47Z X Ken McEldowney 941331 false X www.consumer-action.org X 1971 CA Consumer Action's mission is to provide consumer education and advocacy on behalf of consumers around the country. 9 9 23 1 0 2106307 847124 0 83716 82264 -4113 11943 2185910 941331 28000 57270 0 2449220 2077866 0 221898 830497 752404 3307717 2887540 -1121807 -1946209 4796950 2777631 310961 237851 4485989 2539780 X Consumer Action's mission is to provide consumer education and advocacy on behalf of consumers around the country. false false 687503 MM123 Chase Cy Pres Project : This project helped develop and create the "Money Management 1-2-3 education modules": "Getting a Strong Start", "Achieving Financial GoalsX and "Planning a Secure Future". The modules were distributed through community-based organizations around the country. Each module consists of an educational publication, a lesson plan, a trainer's manual and a PowerPoint presentation. The publications are printed, produced and translated into Chinese, Korean, Spanish and Vietnamese, and are distributed for free through Consumer Action's network of 8,000 CBOs around the country. (Cont'd on Schedule O) 351585 The IB Insurance Cy Pres Project: Under this grant Consumer Action conducted research about consumer insurance issues, and took positions on insurance-related regulatory and legislative proposals. The project has produced a 10-page pamphlet on "Auto Insurance, The Basics", including the coverage you need, what determines how much you'll pay for auto insurance, and how to file a claim. Consumer Action also provided information on California's low-cost auto insurance program, and used its expertise in the insurance field to provide free counseling to consumers who called with insurance-related questions. 228029 19500 Other Projects: In addition to the projects mentioned above, Consumer Action produced a quarterly newsletter on consumer affairs, CA News, which the organization has been printing since 1971. The organization also conducts advocacy by researching current marketplace issues and contacting legislators and regulators about the pro-consumer position on these developments. Within the last year Consumer Action also conducted educational projects concerning: internet privacy and security, consumer education for veterans, medical privacy issues, and education about contact lens awareness. 767040 37770 2034157 true true false true false false false false false false true false false false false false true false false false false false false false true false false true false true false false false false false false false false false false false false false false false false false true 25 0 true 23 true false false false false false false false 0 false false false false false false false X 9 9 false false false false false false false true false false false false true true true true true false false false CA X X X X Vickie Tse 4157779648 57 Post Street Suite 611 San Francisco CA 94104 Ken McEldowney Exec Dir Secretary 35.00 0.00 X X 217923 0 8481 Kathy Li SF Office Director 35.00 0.00 134616 0 28440 Linda Sherry DC Office Director 35.00 0.00 143484 0 8879 Nani Hansen Associate Director 35.00 0.00 103114 0 4385 Michael Heffer Business Mgr Controller 16.00 0.00 X 22200 0 212 Patricia Sturdevant Chair Director 1.00 0.00 X X 0 0 0 Sue Hestor Dir Treasurer 1.00 0.00 X X 0 0 0 Rosa Gonzalez-Abrego Director 1.00 0.00 X 0 0 0 Dr Irene Leech Director 1.00 0.00 X 0 0 0 Ben Lau Director 1.00 0.00 X 0 0 0 Anna Flores Director 1.00 0.00 X 0 0 0 Faith Bautista Director 1.00 0.00 X 0 0 0 Sue Rogan Director 1.00 0.00 X 0 0 0 Gail Sanders Director 1.00 0.00 X 0 0 0 621337 50397 4 false true false 0 2320 209875 634929 847124 0 82264 82264 0 0 0 0 4125 209875 4125 4125 0 0 Other Income 7818 7818 7818 941331 94207 57270 57270 0 0 0 233881 127778 57465 48638 0 1554006 1162918 323519 67569 0 155481 113393 33311 8777 134498 97176 28672 8650 0 0 16943 16943 0 0 0 75611 9761 12200 53650 0 78125 58647 13631 5847 83263 56550 22013 4700 0 215549 156821 44755 13973 41949 38457 179 3313 0 116680 113617 3063 0 0 57812 41769 12325 3718 9576 9576 Miscellaneous 30964 30964 Dues & fees 25932 25932 0 2887540 2034157 631485 221898 207935 221147 4414406 2453135 35000 45150 0 0 0 0 0 47342 23744 280076 245621 92267 34455 0 0 0 0 0 4796950 2777631 310961 237851 310961 237851 X 530489 -233855 3955500 2773635 4485989 2539780 4796950 2777631 -1946209 X false true X true false X 2630961 831434 1897240 2106307 847124 8313066 0 0 2630961 831434 1897240 2106307 847124 8313066 4104873 4208193 56533 84089 74379 83716 82264 380981 0 0 8694047 15500 0.48400 0.42830 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false false false false false true 3580 false false true 6399 false false 9979 false false Part II-B, Line 1i - Other Activities Description Consumer Action took positions on consumer legislation in Washington, DC and Sacramento, CA, contacting legislators and their staffs by phone, email and regular mail, and urged citizens to communicate with their legislators about proposed laws. We also utilized the computer services of Salsa Labs to promote contact on issues between citizens and their representatives. 61060 60618 442 219016 185003 34013 34455 941331 941331 941331 2887540 2887540 2887540 X X X X true Carole Berke 7412 Oak Lane Chevy Chase MD 20815 Fundraising Consultant false 214000 53650 160350 214000 53650 160350 CA Cocktail Party 214000 209875 4125 214000 209875 4125 4125 true Catholic Charities of Dallas 1421 W Mockingbird Lane Dallas TX 75247 752745221 501(c)(3) 13259 0 Financial education applications One Treasure Island 1 Ave of the Palms Ste 166 San Francisco CA 94130 943280624 501(c)(3) 9500 0 Financial education applications 2 0 Grantmaker's Description of How Grants are Used Consumer Action selected 4 grantees from among the network of non-profit community groups that it has worked with. The agencies agreed to work with a selected number of their clients to test financial education apps. The agencies reported to Consumer Action on the degree of success their clients had in using the tools. The agencies were paid for their work by the grants. false false false false false false false false false Kathy Li SF Office Director 134616 15234 13206 163056 Ken McEldowney Exec Dir Secretary 217923 873 7608 226404 Linda Sherry DC Office Director 143484 8879 152363 Form 990, Part III, Line 4d: Other Program Services Description 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 debt-to-income ratio, increased income, increased savings, improvement of credit score or reduced debt. CBOs that pull credit reports/scores will be asked to obtain them for the consumers at program entry and at six months to measure changes in credit status. Consumer Action is currently using similar methodology in our existing financial technology innovation program. Form 990, Part VI, Line 11b: Form 990 Review Process 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. Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts All Board members covered; annual assertions requested to confirm lack of conflicts. Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection All of these documents are available to the public upon request; Form 990 posted on our web site. Form 990, Part VI, Line 19: Other Organization Documents Publicly Available Governing documents, the conflict of interest policy and financial statements are available to the public upon request. Form 990, Part III, Line 4a - MM123 Chase Cy Pres Project: (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 info@consumer-action.org.