2019-10-29T13:11:02-04:00 2018-12-31 990 2018-01-01 743043913 CENTER FOR RESPONSIBLE LENDING CENT 302 West MAIN STREET Durham NC 277013227 Debbie Goldstein Executive Vice 9193138517 2019-10-18 98.101.183.66 2019-10-29 13:35:19 6911082019302zqrz5pz 2019-10-29 P 27FFBF64784274D43605FB7695E5EF74DF7ED75D 27FFBF64784274D43605FB7695E5EF74DF7ED75D 2018 2020-03-31 21:24:44Z Michael Calhoun 301 West Main Street Durham NC 27701 11194010 false X www.responsiblelending.org X 2002 NC Protect economic opportunity for low-income & minority families & communities by conducting research & providing education & technical assistance regarding predatory lending & other abusive financial practices. 12 11 0 0 38627 4997728 10042381 112578 929333 65805 115042 99848 107254 5275959 11194010 246116 388213 0 0 0 350736 6239442 6602895 6485558 6991108 -1209599 4202902 6643443 10925328 389437 468420 6254006 10456908 Protect economic opportunity for low-income & minority families & communities by conducting research & providing education & technical assistance regarding predatory lending & other abusive financial practices. false false 3197839 388213 929333 Technical 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. 1885312 Outreach/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. 937381 Research 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. 6020532 true true false true false false false false false false true false false false false true true false false false false false false false false false false true false false false false false false false false false false false false false false false true false false false true 21 0 true 0 true true false false false false false false false false false false false X 12 11 false false false false false false false true true false false true true true true true true true true false AK AL AR CA CO CT FL GA HI IL IN KS KY LA MA MD ME MI MN MO MS NC ND NH NJ NM NY OH OK OR PA RI SC TN TX UT VA WA WI WV X Randy Chambers 9199564400 301 West Main Street Durham NC 27701 X Wade Henderson Director 0.50 0.00 X 0 0 0 Mark Goldhaber Director 0.50 0.00 X 0 0 0 Don Kidd Director 0.50 0.00 X 0 0 0 Sarah Ludwig Director 0.50 0.00 X 0 0 0 Nicolas Retsinas Director 0.50 0.00 X 0 0 0 Ira Rheingold DirectorChair 0.50 0.00 X 0 0 0 Robin Talbert Director 0.50 0.00 X 0 0 0 Martin Eakes CEODirectorSecretary 0.00 40.00 X X 77270 0 12923 Noel Poyo Director 0.50 0.00 X 0 0 0 Edna Kane-Williams Director 0.50 0.00 X 0 0 0 Lisa Rice Director 0.50 0.00 X 0 0 0 Shanna Smith Director 0.50 0.00 X 0 0 0 Michael Calhoun President 0.00 40.00 X 106932 0 13501 Randy Chambers Treasurer 0.00 40.00 X 77258 0 11264 261460 0 37688 2 false false false Berlin Rosen LTD 15 Maiden Lane Suite 1600 New York NY 10038 Consulting Fees 101087 1 10042381 10042381 Litigation 541100 929333 929333 929333 115042 115042 Sales Tax 900099 2086 2086 Rental Income 531190 96078 96078 Other 561000 9090 9090 107254 11194010 1036587 0 115042 388213 388213 227 227 10000 10000 123498 123498 526988 498437 28538 13 44986 44766 220 62774 41254 21419 101 659224 498803 112484 47937 499916 450691 42204 7021 102831 101526 1305 2125 1574 391 160 550 550 Staff Reimburse SHSC 56-1849 4310190 3695620 340296 274274 259586 175923 63738 19925 6991108 6020532 619840 350736 6438550 9047481 100000 1785130 3498 12000 207405 205811 3719 1594 14174 12625 75000 75000 6643443 10925328 389437 468420 389437 468420 X 6220672 10340241 33334 116667 6254006 10456908 6643443 10925328 4202902 0 X false true X true false X X 1 Ctr for Comm Self-Help 561271685 7 true 0 0 1 0 true false false false false false false false false false false false false false false true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED X 32767 32767 300710 309760 333477 342527 6657631 63938472 6991108 64280999 499555 1000000 124889 250000 1000000 1000000 1000000 1000000 4000000 6000000 247136 239563 192097 342527 1021323 250000 250000 250000 250000 1000000 1500000 18898 14402 24329 32767 90396 General Explanation Attachment Part 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). 21665 21665 140033 138439 1594 45707 45707 1594 X 11194010 11194010 11194010 6991108 6991108 6991108 Footnote for uncertain tax position under FIN 48 (Part X) CRL 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. true California Reinvestment Coalition 474 Valencia Street 230 San Francisco CA 94103 943153815 501c3 8500 Assistance to combat predatory lending Community Economics 1118 S Washington Street Lansing MI 48911 383445097 501c3 35000 Assistance to combat predatory lending Cooperative Baptist Fellowship 160 Clairemont Ave Suite 500 Decatur GA 30030 581960860 501c3 17500 Assistance to combat predatory lending Ecumenical Poverty Initiative 5 Thomas Circle NW Washington DC 20005 530229983 501c3 10000 Assistance to combat predatory lending Georgia Watch 55 Marietta St NW Suite 903 Atlanta GA 30303 161639971 501c3 17724 Assistance to combat predatory lending Hacienda Community Dev Corp 6700 NE Kilingsworth St Portland OR 97218 930979064 501c3 8291 Assistance to combat predatory lending Heartland Alliance for Human Needs 33 West Grand Avenue FL 5 Chicago IL 60654 361877640 501c3 7500 Assistance to combat predatory lending Maine Center for Economic Policy PO Box 437 Augusta ME 04332 223317572 501c3 34950 Assistance to combat predatory lending Louisiana Budget Project 619 Jefferson Highway Suite 1D Baton Rouge LA 70805 463872778 501c3 7500 Assistance to combat predatory lending Maryland Consumer Rights Coalition 2209 Maryland Ave Baltimore MD 21218 522266235 501c3 8000 Assistance to combat predatory lending National Baptist Convention USA 1214 S Robertson St New Orleans LA 70113 311127123 501c3 15000 Assistance to combat predatory lending National CAPACD 1825 San Pablo Ave Suite 2 Oakland CA 94612 912121566 501c3 12500 Assistance to combat predatory lending National Federation of Comm Dev C 39 Broadway Suite 2140 New York NY 10006 112421972 501c3 7500 Assistance to combat predatory lending NC State Conference of NAACP 1001 Wade Ave Ste 15 Mailbox 7 Raleigh NC 27605 566061662 501c3 5750 Assistance to combat predatory lending New Economy Project 121 W 27th St Ste 804 New York NY 10001 133842270 501c3 15000 Assistance to combat predatory lending Policy Matters - Ohio 3631 Perkins Ave Ste 4-C Cleveland OH 44114 341921881 501c3 8000 Assistance to combat predatory lending Project Green PO Box 68582 Grand Rapids MI 49516 824954804 501c3 7500 Assistance to combat predatory lending Statewide Poverty Action Network 1501 N 45th Street Seattle WA 98103 237442189 501c3 10000 Assistance to combat predatory lending Texas Appleseed 1609 Shoal Creek Blvd Ste 201 Austin TX 78701 742804268 501c3 8000 Assistance to combat predatory lending The Leadership Conference 1620 L Street NW Ste 1100 Washington DC 20036 520789800 501c3 6000 Assistance to combat predatory lending Veterans Education Success 4708 Essex Ave Chevy Chase MD 20815 462070195 501c3 10000 Assistance to combat predatory lending Virginia Poverty Law Center Inc 919 E Main Street Suite 610 Richmond VA 23219 541093402 501c3 10000 Assistance to combat predatory lending Monitoring procedures (Part I, line 2) Part 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. Form 990 governing body review Part VI line 11 The 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 12c The 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 15a The 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 15b No 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 19 Form 990, Part VI, Section C, Line 19: No documents available to the public. Part VII response or note to any other line in Part VII Form 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. Center for Community Self-Help 301 West Main Street Durham NC 27701 561271685 Economic Development NC 501c3 7 N/A false Self-Help Community Development Cor 301 West Main Street Durham NC 27701 561975829 Affordable Housing NC 501c3 12a CCSH Org 1 false Self-Help Credit Union 301 West Main Street Durham NC 27701 561382971 Economic Development NC 501c14 N/A false Self-Help Services Corporation 301 West Main Street Durham NC 27701 561849615 Staffing Services NC 501c3 12a CCSH Org 1 false Self-Help Ventures Fund 301 West Main Street Durham NC 27701 Charitable Lending NC 501c3 12a CCSH Org 1 false Self-Help Assistance Corporation 301 West Main Street Durham NC 27701 561923620 Economic Development NC 501c3 12a CCSH Org 1 false Self-Help Federal Credit Union 301 West Main Street Durham NC 27701 263016612 Economic Development NC 501c1 N/A false Self-Help Economic Development Inc 1330 Broadway Street Suite 604 Oakland CA 94612 205330006 Financial Capability CA 501c3 7 CCSH Org 1 false false false false false false true false false false false true false true true false true true false false Self-Help Credit Union f 114730 CRL 2018 Bank Statements