CENTER FOR RESPONSIBLE LENDING: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization
CENTER FOR RESPONSIBLE LENDING (EIN 74-3043913)
Tax period
2018-01-01 to 2018-12-31
Filed
2019-10-29
IRS object ID
201903029349301355
Schema version
2018v3.1
Source
Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header ReturnHeader

FieldValueIRS element (for citing)
Return2019-10-29T13:11:02-04:00ReturnTs
Tax Period End2018-12-31TaxPeriodEndDt
Return Type990ReturnTypeCd
Tax Period Begin2018-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN743043913EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1CENTER FOR RESPONSIBLE LENDINGBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlCENTBusinessNameControlTxt

US Address USAddress

FieldValueIRS element (for citing)
Address Line1302 West MAIN STREETAddressLine1Txt
CityDurhamCityNm
State AbbreviationNCStateAbbreviationCd
ZIP277013227ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonDebbie GoldsteinPersonNm
Person TitleExecutive VicePersonTitleTxt
Phone9193138517PhoneNum
Signature2019-10-18SignatureDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

FieldValueIRS element (for citing)
I Pv4 Address98.101.183.66IPv4AddressTxt
FieldValueIRS element (for citing)
IP2019-10-29IPDt
IP Tm13:35:19IPTm
Federal Original Submission Id6911082019302zqrz5pzFederalOriginalSubmissionId
Federal Original Submission Id2019-10-29FederalOriginalSubmissionIdDt
Filing License TypePFilingLicenseTypeCd
At Submission Creation Device Id27FFBF64784274D43605FB7695E5EF74DF7ED75DAtSubmissionCreationDeviceId
At Submission Filing Device Id27FFBF64784274D43605FB7695E5EF74DF7ED75DAtSubmissionFilingDeviceId
FieldValueIRS element (for citing)
Tax2018TaxYr
Build TS2020-03-31 21:24:44ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerMichael CalhounPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line1301 West Main StreetAddressLine1Txt
CityDurhamCityNm
State AbbreviationNCStateAbbreviationCd
ZIP27701ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$11,194,010GrossReceiptsAmt
Group Return For AffiliatesfalseGroupReturnForAffiliatesInd
Organization501c3Yes (X)Organization501c3Ind
Website Addresswww.responsiblelending.orgWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation2002FormationYr
Legal Domicile StateNCLegalDomicileStateCd
Activity Or MissionProtect economic opportunity for low-income & minority families & communities by conducting research & providing education & technical assistance regarding predatory lending & other abusive financial practices.ActivityOrMissionDesc
Voting Members Governing Body12VotingMembersGoverningBodyCnt
Voting Members Independent11VotingMembersIndependentCnt
Total Employee0TotalEmployeeCnt
Total Gross UBI$0TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm$38,627NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$4,997,728PYContributionsGrantsAmt
CY Contributions Grants$10,042,381CYContributionsGrantsAmt
PY Program Service Revenue$112,578PYProgramServiceRevenueAmt
CY Program Service Revenue$929,333CYProgramServiceRevenueAmt
PY Investment Income$65,805PYInvestmentIncomeAmt
CY Investment Income$115,042CYInvestmentIncomeAmt
PY Other Revenue$99,848PYOtherRevenueAmt
CY Other Revenue$107,254CYOtherRevenueAmt
PY Total Revenue$5,275,959PYTotalRevenueAmt
CY Total Revenue$11,194,010CYTotalRevenueAmt
PY Grants And Similar Paid$246,116PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$388,213CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
CY Salaries Comp Emp Bnft Paid$0CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$350,736CYTotalFundraisingExpenseAmt
PY Other Expenses$6,239,442PYOtherExpensesAmt
CY Other Expenses$6,602,895CYOtherExpensesAmt
PY Total Expenses$6,485,558PYTotalExpensesAmt
CY Total Expenses$6,991,108CYTotalExpensesAmt
PY Revenues Less Expenses-$1,209,599PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$4,202,902CYRevenuesLessExpensesAmt
Total Assets BOY$6,643,443TotalAssetsBOYAmt
Total Assets EOY$10,925,328TotalAssetsEOYAmt
Total Liabilities BOY$389,437TotalLiabilitiesBOYAmt
Total Liabilities EOY$468,420TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$6,254,006NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$10,456,908NetAssetsOrFundBalancesEOYAmt
MissionProtect economic opportunity for low-income & minority families & communities by conducting research & providing education & technical assistance regarding predatory lending & other abusive financial practices.MissionDesc
Significant New Program SrvcfalseSignificantNewProgramSrvcInd
Significant ChangefalseSignificantChangeInd
Expense$3,197,839ExpenseAmt
Grant$388,213GrantAmt
Revenue$929,333RevenueAmt
DescTechnical Assistance: Provided legal analysis and market insight on debt collection and abusive lending practices in the areas of mortgage, small loans, and student and auto loans. Proposed policy solutions to consumer and community groups and policymakers in the states and at the federal level. Primary focus was on policies and market changes that would stop lending abuses that prevent low-and moderate-income families and communities of color from building wealth.Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

FieldValueIRS element (for citing)
Expense$1,885,312ExpenseAmt
DescOutreach/Communications: Raised visibility of abusive small dollar loan predatory lending issues among national, statewide, and local groups, e.g. civil rights, faith-based, and other grassroots organizations. Similarly brought attention to need for increasing access to responsible mortgage credit, and disparities in mortgage lending by race, ethnicity and income. Highlighted impact of unfair debt collection practices, weakness of for-profit college programs and other needed reforms for student lending practices at origination and student loan servicing. Presented at over 150 workshops and conferences, educating thousands of individuals about abusive financial service. Communications resulted in thousands of citations by the media covering financial abuses that impact borrowers and mentioning CRLs research and policy work.Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

FieldValueIRS element (for citing)
Expense$937,381ExpenseAmt
DescResearch Services: Published research reports and analysis describing how much consumers save in states that do not allow payday lending, outline abuses by for-profit colleges in Colorado, Maine and Connecticut, and looking at public perspectives on regularing debt buyers in Colorado. Other research described abusive practices related to checking accounts, auto lending, and debt collection, updated new data on banks and engage in payday lending through their deposits, describing payday lending in Colorado, and published national analysis of Home Mortgage Disclosure Act data.Desc
FieldValueIRS element (for citing)
Total Program Service Expenses$6,020,532TotalProgramServiceExpensesAmt
Described In Section501c3Yes (true)DescribedInSection501c3Ind
Schedule B RequiredYes (true)ScheduleBRequiredInd
Political Campaign ActyfalsePoliticalCampaignActyInd
Lobbying ActivitiesYes (true)LobbyingActivitiesInd
Subject To Proxy TaxfalseSubjectToProxyTaxInd
Donor Advised FundfalseDonorAdvisedFundInd
Conservation EasementsfalseConservationEasementsInd
Collections Of ArtfalseCollectionsOfArtInd
Credit CounselingfalseCreditCounselingInd
Temp Or Permanent EndowmentsfalseTempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (true)ReportLandBuildingEquipmentInd
Report Investments Other SecfalseReportInvestmentsOtherSecInd
Report Program Related InvstfalseReportProgramRelatedInvstInd
Report Other AssetsfalseReportOtherAssetsInd
Report Other LiabilitiesfalseReportOtherLiabilitiesInd
Include FIN48 FootnoteYes (true)IncludeFIN48FootnoteInd
Independent Audit Fincl StmtYes (true)IndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtfalseConsolidatedAuditFinclStmtInd
School OperatingfalseSchoolOperatingInd
Foreign OfficefalseForeignOfficeInd
Foreign ActivitiesfalseForeignActivitiesInd
More Than5000 K To OrgfalseMoreThan5000KToOrgInd
More Than5000 K To IndividualsfalseMoreThan5000KToIndividualsInd
Professional FundraisingfalseProfessionalFundraisingInd
Fundraising ActivitiesfalseFundraisingActivitiesInd
Gaming ActivitiesfalseGamingActivitiesInd
Operate HospitalfalseOperateHospitalInd
Grants To OrganizationsYes (true)GrantsToOrganizationsInd
Grants To IndividualsfalseGrantsToIndividualsInd
Schedule J RequiredfalseScheduleJRequiredInd
Tax Exempt BondsfalseTaxExemptBondsInd
Engaged In Excess Benefit TransfalseEngagedInExcessBenefitTransInd
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Terminate OperationsfalseTerminateOperationsInd
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Related EntityYes (true)RelatedEntityInd
Related Organization Ctrl EntfalseRelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd OrgfalseTrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted PrtshpfalseActivitiesConductedPrtshpInd
Schedule O RequiredYes (true)ScheduleORequiredInd
IRP Document21IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (true)BackupWthldComplianceInd
Employee0EmployeeCnt
Unrelated Bus Incm Over LimitYes (true)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (true)Form990TFiledInd
Foreign Financial AccountfalseForeignFinancialAccountInd
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTransInd
Taxable Party NotificationfalseTaxablePartyNotificationInd
Nondeductible ContributionsfalseNondeductibleContributionsInd
Quid Pro Quo ContributionsfalseQuidProQuoContributionsInd
Form8282 Property Disposed OffalseForm8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft CntrctfalseRcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft CntrctfalsePayPremiumsPrsnlBnftCntrctInd
Indoor Tanning ServicesfalseIndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht PymtfalseSubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst IncfalseSubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members12GoverningBodyVotingMembersCnt
Independent Voting Member11IndependentVotingMemberCnt
Family Or Business RlnfalseFamilyOrBusinessRlnInd
Delegation Of Mgmt DutiesfalseDelegationOfMgmtDutiesInd
Change To Org DocumentsfalseChangeToOrgDocumentsInd
Material Diversion Or MisusefalseMaterialDiversionOrMisuseInd
Members Or StockholdersfalseMembersOrStockholdersInd
Election Of Board MembersfalseElectionOfBoardMembersInd
Decisions Subject To ApprovafalseDecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (true)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (true)MinutesOfCommitteesInd
Officer Mailing AddressfalseOfficerMailingAddressInd
Local ChaptersfalseLocalChaptersInd
Form990 Provided To Gvrn BodyYes (true)Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (true)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (true)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (true)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (true)WhistleblowerPolicyInd
Document Retention PolicyYes (true)DocumentRetentionPolicyInd
Compensation Process CEOYes (true)CompensationProcessCEOInd
Compensation Process OtherYes (true)CompensationProcessOtherInd
Investment In Joint VenturefalseInvestmentInJointVentureInd
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Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

FieldValueIRS element (for citing)
PersonRandy ChambersPersonNm
Phone9199564400PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1301 West Main StreetAddressLine1Txt
CityDurhamCityNm
State AbbreviationNCStateAbbreviationCd
ZIP27701ZIPCd
FieldValueIRS element (for citing)
Info In Schedule O Part VIIYes (X)InfoInScheduleOPartVIIInd

Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtAverage Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerInd
Wade Henderson
Director0.500.00Yes (X)$0$0$0
Mark Goldhaber
Director0.500.00Yes (X)$0$0$0
Don Kidd
Director0.500.00Yes (X)$0$0$0
Sarah Ludwig
Director0.500.00Yes (X)$0$0$0
Nicolas Retsinas
Director0.500.00Yes (X)$0$0$0
Ira Rheingold
DirectorChair0.500.00Yes (X)$0$0$0
Robin Talbert
Director0.500.00Yes (X)$0$0$0
Martin Eakes
CEODirectorSecretary0.0040.00Yes (X)$77,270$0$12,923Yes (X)
Noel Poyo
Director0.500.00Yes (X)$0$0$0
Edna Kane-Williams
Director0.500.00Yes (X)$0$0$0
Lisa Rice
Director0.500.00Yes (X)$0$0$0
Shanna Smith
Director0.500.00Yes (X)$0$0$0
Michael Calhoun
President0.0040.00$106,932$0$13,501Yes (X)
Randy Chambers
Treasurer0.0040.00$77,258$0$11,264Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$261,460TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$37,688TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K2IndivRcvdGreaterThan100KCnt
Former Ofcr Employees ListedfalseFormerOfcrEmployeesListedInd
Total Comp Greater Than150 KfalseTotalCompGreaterThan150KInd
Compensation From Other SrcsfalseCompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

FieldValueIRS element (for citing)
PersonBerlin Rosen LTDPersonNm

Contractor Address ContractorAddress

US Address USAddress

FieldValueIRS element (for citing)
Address Line115 Maiden Lane Suite 1600AddressLine1Txt
CityNew YorkCityNm
State AbbreviationNYStateAbbreviationCd
ZIP10038ZIPCd
FieldValueIRS element (for citing)
ServicesConsulting FeesServicesDesc
Compensation$101,087CompensationAmt
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K1CntrctRcvdGreaterThan100KCnt
All Other Contributions$10,042,381AllOtherContributionsAmt
Total Contributions$10,042,381TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp

FieldValueIRS element (for citing)
DescLitigationDesc
Business541100BusinessCd
Total Revenue Column$929,333TotalRevenueColumnAmt
Related Or Exempt Func Income$929,333RelatedOrExemptFuncIncomeAmt
FieldValueIRS element (for citing)
Total Program Service Revenue$929,333TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$115,042TotalRevenueColumnAmt
Exclusion$115,042ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
Sales Tax900099$2,086$2,086
Rental Income531190$96,078$96,078
Other561000$9,090$9,090
FieldValueIRS element (for citing)
Other Revenue Total$107,254OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$11,194,010TotalRevenueColumnAmt
Related Or Exempt Func Income$1,036,587RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$0UnrelatedBusinessRevenueAmt
Exclusion$115,042ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

FieldValueIRS element (for citing)
Total$388,213TotalAmt
Program Services$388,213ProgramServicesAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$227TotalAmt
Program Services$227ProgramServicesAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$10,000TotalAmt
Management And General$10,000ManagementAndGeneralAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

FieldValueIRS element (for citing)
Total$123,498TotalAmt
Program Services$123,498ProgramServicesAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$526,988TotalAmt
Program Services$498,437ProgramServicesAmt
Management And General$28,538ManagementAndGeneralAmt
Fundraising$13FundraisingAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$44,986TotalAmt
Program Services$44,766ProgramServicesAmt
Management And General$220ManagementAndGeneralAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$62,774TotalAmt
Program Services$41,254ProgramServicesAmt
Management And General$21,419ManagementAndGeneralAmt
Fundraising$101FundraisingAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$659,224TotalAmt
Program Services$498,803ProgramServicesAmt
Management And General$112,484ManagementAndGeneralAmt
Fundraising$47,937FundraisingAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$499,916TotalAmt
Program Services$450,691ProgramServicesAmt
Management And General$42,204ManagementAndGeneralAmt
Fundraising$7,021FundraisingAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$102,831TotalAmt
Program Services$101,526ProgramServicesAmt
Fundraising$1,305FundraisingAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$2,125TotalAmt
Program Services$1,574ProgramServicesAmt
Management And General$391ManagementAndGeneralAmt
Fundraising$160FundraisingAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$550TotalAmt
Management And General$550ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp

FieldValueIRS element (for citing)
DescStaff Reimburse SHSC 56-1849Desc
Total$4,310,190TotalAmt
Program Services$3,695,620ProgramServicesAmt
Management And General$340,296ManagementAndGeneralAmt
Fundraising$274,274FundraisingAmt

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$259,586TotalAmt
Program Services$175,923ProgramServicesAmt
Management And General$63,738ManagementAndGeneralAmt
Fundraising$19,925FundraisingAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$6,991,108TotalAmt
Program Services$6,020,532ProgramServicesAmt
Management And General$619,840ManagementAndGeneralAmt
Fundraising$350,736FundraisingAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$6,438,550BOYAmt
EOY$9,047,481EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

FieldValueIRS element (for citing)
BOY$100,000BOYAmt
EOY$1,785,130EOYAmt

Accounts Receivable AccountsReceivableGrp

FieldValueIRS element (for citing)
EOY$3,498EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$12,000BOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$207,405LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$205,811LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$3,719BOYAmt
EOY$1,594EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

FieldValueIRS element (for citing)
BOY$14,174BOYAmt
EOY$12,625EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$75,000BOYAmt
EOY$75,000EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$6,643,443BOYAmt
EOY$10,925,328EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$389,437BOYAmt
EOY$468,420EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$389,437BOYAmt
EOY$468,420EOYAmt
FieldValueIRS element (for citing)
Organization Follows SFAS117Yes (X)OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

FieldValueIRS element (for citing)
BOY$6,220,672BOYAmt
EOY$10,340,241EOYAmt

Temporarily Rstr Net Assets TemporarilyRstrNetAssetsGrp

FieldValueIRS element (for citing)
BOY$33,334BOYAmt
EOY$116,667EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$6,254,006BOYAmt
EOY$10,456,908EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$6,643,443BOYAmt
EOY$10,925,328EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$4,202,902ReconcilationRevenueExpnssAmt
Other Changes In Net Assets$0OtherChangesInNetAssetsAmt
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or ReviewfalseAccountantCompileOrReviewInd
FS AuditedYes (true)FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

FieldValueIRS element (for citing)
Separate Basis Fincl StmtYes (X)SeparateBasisFinclStmtInd
FieldValueIRS element (for citing)
Audit CommitteeYes (true)AuditCommitteeInd
Federal Grant Audit RequiredfalseFederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

FieldValueIRS element (for citing)
Supporting Organization509a3Yes (X)SupportingOrganization509a3Ind
Supporting Org Type1Yes (X)SupportingOrgType1Ind
Supported Organizations1SupportedOrganizationsCnt

Supported Org Information SupportedOrgInformationGrp

Supported Organization Name SupportedOrganizationName

FieldValueIRS element (for citing)
Business Name Line1Ctr for Comm Self-HelpBusinessNameLine1Txt
FieldValueIRS element (for citing)
EIN561271685EIN
Organization Type7OrganizationTypeCd
Governing Document ListedYes (true)GoverningDocumentListedInd
Support$0SupportAmt
Other Support$0OtherSupportAmt
FieldValueIRS element (for citing)
Supported Organizations Total1SupportedOrganizationsTotalCnt
Other Support Sum$0OtherSupportSumAmt

Form990 Sch A Supporting Org Form990SchASupportingOrgGrp

FieldValueIRS element (for citing)
Listed By Name Governing DocYes (true)ListedByNameGoverningDocInd
Suprt Org No IRS DeterminationfalseSuprtOrgNoIRSDeterminationInd
Supported Org Section C456falseSupportedOrgSectionC456Ind
Supported Org Not Organized USfalseSupportedOrgNotOrganizedUSInd
Organization Change Suprt OrgfalseOrganizationChangeSuprtOrgInd
Support Non Supported OrgfalseSupportNonSupportedOrgInd
Payment Substantial ContribtrfalsePaymentSubstantialContribtrInd
Loan Disqualified PersonfalseLoanDisqualifiedPersonInd
Controlled Disqualified PrsnfalseControlledDisqualifiedPrsnInd
Disqualified Prsn Controll IntfalseDisqualifiedPrsnControllIntInd
Disqualified Prsn Ownr IntfalseDisqualifiedPrsnOwnrIntInd
Excess Business Holdings RulesfalseExcessBusinessHoldingsRulesInd
Contribution ControllerfalseContributionControllerInd
Contribution FamilyfalseContributionFamilyInd
Contribution35 ControlledfalseContribution35ControlledInd

Form990 Sch A Type1 Suprt Org Form990SchAType1SuprtOrgGrp

FieldValueIRS element (for citing)
Power Appoint Majority Dir TrstYes (true)PowerAppointMajorityDirTrstInd
Operate Benefit Non Suprt OrgfalseOperateBenefitNonSuprtOrgInd

Schedule B IRS990ScheduleB

Contributor Information ContributorInformationGrp

FieldValueIRS element (for citing)
ContributorRESTRICTEDContributorNum

Contributor Business Name ContributorBusinessName

FieldValueIRS element (for citing)
Business Name Line1RESTRICTEDBusinessNameLine1

Contributor US Address ContributorUSAddress

FieldValueIRS element (for citing)
Address Line1RESTRICTEDAddressLine1
Address Line2RESTRICTEDAddressLine2
CityRESTRICTEDCity
StateRESTRICTEDState
ZIP CodeRESTRICTEDZIPCode
FieldValueIRS element (for citing)
Total ContributionsRESTRICTEDTotalContributionsAmt

Schedule C IRS990ScheduleC

FieldValueIRS element (for citing)
Organization Belongs Afflt GrpYes (X)OrganizationBelongsAffltGrpInd

Total Grassroots Lobbying TotalGrassrootsLobbyingGrp

FieldValueIRS element (for citing)
Filing Organizations Total$32,767FilingOrganizationsTotalAmt
Affiliated Group Total$32,767AffiliatedGroupTotalAmt

Total Direct Lobbying TotalDirectLobbyingGrp

FieldValueIRS element (for citing)
Filing Organizations Total$300,710FilingOrganizationsTotalAmt
Affiliated Group Total$309,760AffiliatedGroupTotalAmt

Total Lobbying Expend TotalLobbyingExpendGrp

FieldValueIRS element (for citing)
Filing Organizations Total$333,477FilingOrganizationsTotalAmt
Affiliated Group Total$342,527AffiliatedGroupTotalAmt

Other Exempt Purpose Expend OtherExemptPurposeExpendGrp

FieldValueIRS element (for citing)
Filing Organizations Total$6,657,631FilingOrganizationsTotalAmt
Affiliated Group Total$63,938,472AffiliatedGroupTotalAmt

Total Exempt Purpose Expend TotalExemptPurposeExpendGrp

FieldValueIRS element (for citing)
Filing Organizations Total$6,991,108FilingOrganizationsTotalAmt
Affiliated Group Total$64,280,999AffiliatedGroupTotalAmt

Lobbying Nontaxable Amount LobbyingNontaxableAmountGrp

FieldValueIRS element (for citing)
Filing Organizations Total$499,555FilingOrganizationsTotalAmt
Affiliated Group Total$1,000,000AffiliatedGroupTotalAmt

Grassroots Nontaxable GrassrootsNontaxableGrp

FieldValueIRS element (for citing)
Filing Organizations Total$124,889FilingOrganizationsTotalAmt
Affiliated Group Total$250,000AffiliatedGroupTotalAmt

Avg Lobbying Nontaxable Amount AvgLobbyingNontaxableAmountGrp

FieldValueIRS element (for citing)
Current Year Minus3$1,000,000CurrentYearMinus3Amt
Current Year Minus2$1,000,000CurrentYearMinus2Amt
Current Year Minus1$1,000,000CurrentYearMinus1Amt
Current Year$1,000,000CurrentYearAmt
Total$4,000,000TotalAmt
FieldValueIRS element (for citing)
Lobbying Ceiling$6,000,000LobbyingCeilingAmt

Avg Total Lobbying Expend AvgTotalLobbyingExpendGrp

FieldValueIRS element (for citing)
Current Year Minus3$247,136CurrentYearMinus3Amt
Current Year Minus2$239,563CurrentYearMinus2Amt
Current Year Minus1$192,097CurrentYearMinus1Amt
Current Year$342,527CurrentYearAmt
Total$1,021,323TotalAmt

Avg Grassroots Nontaxable AvgGrassrootsNontaxableGrp

FieldValueIRS element (for citing)
Current Year Minus3$250,000CurrentYearMinus3Amt
Current Year Minus2$250,000CurrentYearMinus2Amt
Current Year Minus1$250,000CurrentYearMinus1Amt
Current Year$250,000CurrentYearAmt
Total$1,000,000TotalAmt
FieldValueIRS element (for citing)
Grassroots Ceiling$1,500,000GrassrootsCeilingAmt

Avg Grassroots Lobbying Expend AvgGrassrootsLobbyingExpendGrp

FieldValueIRS element (for citing)
Current Year Minus3$18,898CurrentYearMinus3Amt
Current Year Minus2$14,402CurrentYearMinus2Amt
Current Year Minus1$24,329CurrentYearMinus1Amt
Current Year$32,767CurrentYearAmt
Total$90,396TotalAmt

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferenceGeneral Explanation AttachmentFormAndLineReferenceDesc
ExplanationPart II-A Line 2 Center for Community Self-Help, 301 W. Main Street, Durham, NC 27701, EIN 56-1271685, Direct Lobbying expense $9,050, Grassroots Lobbying expense $0. Part II-A line 2 Self-Help Ventures Fund, 301 W. Main Street, Durham, NC 27701, EIN 58-1562750, Direct Lobbying expenses $0, Grassroots Lobbying expenses $0. Part II-A Line 2 Self-Help Community Development Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1975829, Direct Lobbying expenses $0, Grassroots Lobbying expenses $0. Part II-A Line 2 Self-Help Services Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1849615, Direct Lobbying expenses $0, Grassroots Lobbying expenses $0. Part II-A Line 2 Self-Help Assistance Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1923620, Direct Lobbying expenses $0, Grassroots Lobbying expenses $0. Part II-A Line 2 of these group members, Center for Community Self-Help and the filing organization, Center for Responsible Lending have made the election under section 501(h).ExplanationTxt

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovementsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$21,665OtherCostOrOtherBasisAmt
Depreciation$21,665DepreciationAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$140,033OtherCostOrOtherBasisAmt
Depreciation$138,439DepreciationAmt
Book Value$1,594BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$45,707OtherCostOrOtherBasisAmt
Depreciation$45,707DepreciationAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$1,594TotalBookValueLandBuildingsAmt
Footnote TextYes (X)FootnoteTextInd
Total Rev Etc Audited Fincl Stmt$11,194,010TotalRevEtcAuditedFinclStmtAmt
Revenue Subtotal$11,194,010RevenueSubtotalAmt
Total Revenue Per Form990$11,194,010TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt$6,991,108TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal$6,991,108ExpensesSubtotalAmt
Total Expenses Per Form990$6,991,108TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferenceFootnote for uncertain tax position under FIN 48 (Part X)FormAndLineReferenceDesc
ExplanationCRL has determined that all tax positions taken for the current year ended December 31, 2018 and all years open under the statute of limitation are highly certain. Therefore, CRL has determined that no unrecognized tax liability exists.ExplanationTxt

Schedule I IRS990ScheduleI

FieldValueIRS element (for citing)
Grant Records MaintainedYes (true)GrantRecordsMaintainedInd

Recipient Table RecipientTable (22 entries)

Address Line1USAddress/AddressLine1TxtCityUSAddress/CityNmState AbbreviationUSAddress/StateAbbreviationCdZIPUSAddress/ZIPCdRecipient EINRecipientEINIRC SectionIRCSectionDescCash GrantCashGrantAmtPurpose Of GrantPurposeOfGrantTxt
California Reinvestment Coalition
474 Valencia Street 230San FranciscoCA94103943153815501c3$8,500Assistance to combat predatory lending
Community Economics
1118 S Washington StreetLansingMI48911383445097501c3$35,000Assistance to combat predatory lending
Cooperative Baptist Fellowship
160 Clairemont Ave Suite 500DecaturGA30030581960860501c3$17,500Assistance to combat predatory lending
Ecumenical Poverty Initiative
5 Thomas Circle NWWashingtonDC20005530229983501c3$10,000Assistance to combat predatory lending
Georgia Watch
55 Marietta St NW Suite 903AtlantaGA30303161639971501c3$17,724Assistance to combat predatory lending
Hacienda Community Dev Corp
6700 NE Kilingsworth StPortlandOR97218930979064501c3$8,291Assistance to combat predatory lending
Heartland Alliance for Human Needs
33 West Grand Avenue FL 5ChicagoIL60654361877640501c3$7,500Assistance to combat predatory lending
Maine Center for Economic Policy
PO Box 437AugustaME04332223317572501c3$34,950Assistance to combat predatory lending
Louisiana Budget Project
619 Jefferson Highway Suite 1DBaton RougeLA70805463872778501c3$7,500Assistance to combat predatory lending
Maryland Consumer Rights Coalition
2209 Maryland AveBaltimoreMD21218522266235501c3$8,000Assistance to combat predatory lending
National Baptist Convention USA
1214 S Robertson StNew OrleansLA70113311127123501c3$15,000Assistance to combat predatory lending
National CAPACD
1825 San Pablo Ave Suite 2OaklandCA94612912121566501c3$12,500Assistance to combat predatory lending
National Federation of Comm Dev C
39 Broadway Suite 2140New YorkNY10006112421972501c3$7,500Assistance to combat predatory lending
NC State Conference of NAACP
1001 Wade Ave Ste 15 Mailbox 7RaleighNC27605566061662501c3$5,750Assistance to combat predatory lending
New Economy Project
121 W 27th St Ste 804New YorkNY10001133842270501c3$15,000Assistance to combat predatory lending
Policy Matters - Ohio
3631 Perkins Ave Ste 4-CClevelandOH44114341921881501c3$8,000Assistance to combat predatory lending
Project Green
PO Box 68582Grand RapidsMI49516824954804501c3$7,500Assistance to combat predatory lending
Statewide Poverty Action Network
1501 N 45th StreetSeattleWA98103237442189501c3$10,000Assistance to combat predatory lending
Texas Appleseed
1609 Shoal Creek Blvd Ste 201AustinTX78701742804268501c3$8,000Assistance to combat predatory lending
The Leadership Conference
1620 L Street NW Ste 1100WashingtonDC20036520789800501c3$6,000Assistance to combat predatory lending
Veterans Education Success
4708 Essex AveChevy ChaseMD20815462070195501c3$10,000Assistance to combat predatory lending
Virginia Poverty Law Center Inc
919 E Main Street Suite 610RichmondVA23219541093402501c3$10,000Assistance to combat predatory lending

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferenceMonitoring procedures (Part I, line 2)FormAndLineReferenceDesc
ExplanationPart I, Line 2: The organization makes grants only under very limited circumstances where it maintains close supervision of the manner in which grant funds are expended or contracts with an ally organization that supervises the use of the grant funds. Grantees are requited to provide documentations demonstrating that funds have been expended consistent with the purpose of the grant agreements. If grant funds are not expended or used by Grantees in accordance with grant terms, funds may be returned to Center for Responsible Lending and recorded as a reduction of current period grant expenses.ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
Form 990 governing body review Part VI line 11The Form 990 is prepared by staff accountants. The Chief Financial Officer, the Controller, and in-house counsel review multiple drafts and verify all answers before the form is provided to the Chief Executive officer and board of directors for further review and comment prior to submission.
Conflict of interest policy compliance Part VI line 12cThe organizations Conflict of Interest Policy covers its officers, directors or trustees, all employees of the organization or any related organizations, and family members of persons in these categories. All covered persons are required under the policy to disclose actual or potential conflicts as soon as they arise and the directors of the organization and related organizations confirm annually that there are no existing conflicts of interest. Persons with actual conflicts are prohibited from participating in any decisions relevant to the situation where the conflict exists. Most conflicts are clearly delineated by the policy; situations that are not so clear-cut are reviewed by in-house counsel, CEO, or Board, as appropriate.
CEO executive director top management comp Part VI line 15aThe organization pays its highest paid workers including the CEO, top management officials and other officers, in accordance with a salary ceiling that is confirmed annually by the board, and was last confirmed in May 2018. This ceiling is subject to adjustment for increased cost of living associated with the geographical areas in which workers are working, but is well below the average market salary for workers with comparable levels of expertise and experience.
Other officer or key employee compensation Part VI line 15bNo director or officer receives compensation for his or her work as a director, office, or trustee; instead the amounts listed in column (D) and (F) are compensation paid to employees of the filing organization who work 30-40 hours per week. No compensation is for hours devoted to related organizations.
Governing documents etc available to public Part VI line 19Form 990, Part VI, Section C, Line 19: No documents available to the public.
Part VII response or note to any other line in Part VIIForm 990, Part VII, Section A, Line 1a: No director or officer receives compensation for his or her work as a director, officer or trustee; instead, the amounts listed in columns (E) & (F) are compensation paid to employees of the related organization who work 30-40 hours per week. Self-Help Services Corporation serves as the employer for all the filing organizations workers.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp (8 entries)

Address Line1USAddress/AddressLine1TxtCityUSAddress/CityNmState AbbreviationUSAddress/StateAbbreviationCdZIPUSAddress/ZIPCdEINEINPrimary ActivitiesPrimaryActivitiesTxtLegal Domicile StateLegalDomicileStateCdExempt Code SectionExemptCodeSectionTxtPublic Charity StatusPublicCharityStatusTxtDirect Controlling NADirectControllingNACdControlled OrganizationControlledOrganizationIndBusiness Name Line1DirectControllingEntityName/BusinessNameLine1Txt
Center for Community Self-Help
301 West Main StreetDurhamNC27701561271685Economic DevelopmentNC501c37N/Afalse
Self-Help Community Development Cor
301 West Main StreetDurhamNC27701561975829Affordable HousingNC501c312afalseCCSH Org 1
Self-Help Credit Union
301 West Main StreetDurhamNC27701561382971Economic DevelopmentNC501c14N/Afalse
Self-Help Services Corporation
301 West Main StreetDurhamNC27701561849615Staffing ServicesNC501c312afalseCCSH Org 1
Self-Help Ventures Fund
301 West Main StreetDurhamNC27701Charitable LendingNC501c312afalseCCSH Org 1
Self-Help Assistance Corporation
301 West Main StreetDurhamNC27701561923620Economic DevelopmentNC501c312afalseCCSH Org 1
Self-Help Federal Credit Union
301 West Main StreetDurhamNC27701263016612Economic DevelopmentNC501c1N/Afalse
Self-Help Economic Development Inc
1330 Broadway Street Suite 604OaklandCA94612205330006Financial CapabilityCA501c37falseCCSH Org 1
FieldValueIRS element (for citing)
Receipt Of Int Annts Rnts RyltsfalseReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth OrgfalseGiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth OrgfalseGiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other OrgfalseLoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth OrgfalseLoansOrGuaranteesFromOthOrgInd
Div Related OrganizationYes (true)DivRelatedOrganizationInd
Asset Sale To Other OrgfalseAssetSaleToOtherOrgInd
Asset Purchase From Other OrgfalseAssetPurchaseFromOtherOrgInd
Asset ExchangefalseAssetExchangeInd
Rental Of Facilities To Oth OrgfalseRentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth OrgYes (true)RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth OrgfalsePerformOfServicesForOthOrgInd
Perform Of Services By Other OrgYes (true)PerformOfServicesByOtherOrgInd
Sharing Of FacilitiesYes (true)SharingOfFacilitiesInd
Paid Employees SharingfalsePaidEmployeesSharingInd
Reimbursement Paid To Other OrgYes (true)ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other OrgYes (true)ReimbursementPaidByOtherOrgInd
Transfer To Other OrgfalseTransferToOtherOrgInd
Transfer From Other OrgfalseTransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp

Other Organization Name OtherOrganizationName

FieldValueIRS element (for citing)
Business Name Line1Self-Help Credit UnionBusinessNameLine1Txt
FieldValueIRS element (for citing)
Transaction TypefTransactionTypeTxt
Involved$114,730InvolvedAmt
Method Of Amount DeterminationCRL 2018 Bank StatementsMethodOfAmountDeterminationTxt

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