SAN FRANCISCO CONSUMER ACTION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: SAN FRANCISCO CONSUMER ACTION (EIN 23-7172908)
Tax period: 2017-04-01 to 2018-03-31
Filed: 2019-02-01
IRS object ID: 201940329349300944
Schema version: 2017v2.2
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
Form 990
Schedule A
Schedule B
Schedule C
Schedule D
Schedule G
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-02-01T13:39:23-08:00	ReturnTs
Tax Period End	2018-03-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	472626541	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Cook & Company A Prof Actncy Corp	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	870 Market Street Suite 880	AddressLine1Txt
City	San Francisco	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94102	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-04-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	237172908	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	San Francisco Consumer Action	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	SANF	BusinessNameControlTxt
Phone	4157779648	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1170 Market Street 500	AddressLine1Txt
City	San Francisco	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94102	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Ken McEldowney	PersonNm
Person Title	Executive Director	PersonTitleTxt
Signature	2019-02-01	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Douglas E Cook CPAMPA	PreparerPersonNm
PTIN	P01521705	PTIN
Phone	4156211112	PhoneNum

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	Ken McEldowney	PrincipalOfficerNm
Gross Receipts	$1,974,169	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
All Affiliates Included	false	AllAffiliatesIncludedInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	www.consumer-action.org	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1971	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	Consumer Action's mission is to provide consumer education and advocacy to and on behalf of consumers around the nation.	ActivityOrMissionDesc
Voting Members Governing Body	10	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	24	TotalEmployeeCnt
Total Volunteers	2	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
PY Contributions Grants	$831,434	PYContributionsGrantsAmt
CY Contributions Grants	$1,897,240	CYContributionsGrantsAmt
PY Program Service Revenue	$5,000	PYProgramServiceRevenueAmt
CY Program Service Revenue	$0	CYProgramServiceRevenueAmt
PY Investment Income	$84,088	PYInvestmentIncomeAmt
CY Investment Income	$74,379	CYInvestmentIncomeAmt
CY Other Revenue	$950	CYOtherRevenueAmt
PY Total Revenue	$920,522	PYTotalRevenueAmt
CY Total Revenue	$1,972,569	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,384,953	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,411,061	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$36,719	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$199,561	CYTotalFundraisingExpenseAmt
PY Other Expenses	$847,483	PYOtherExpensesAmt
CY Other Expenses	$868,161	CYOtherExpensesAmt
PY Total Expenses	$3,269,155	PYTotalExpensesAmt
CY Total Expenses	$3,279,222	CYTotalExpensesAmt
PY Revenues Less Expenses	-$2,348,633	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$1,306,653	CYRevenuesLessExpensesAmt
Total Assets BOY	$7,282,610	TotalAssetsBOYAmt
Total Assets EOY	$5,965,339	TotalAssetsEOYAmt
Total Liabilities BOY	$368,161	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$357,543	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$6,914,449	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$5,607,796	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	Consumer Action's mission is to provide consumer education and advocacy to and on behalf of consumers around the nation.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	Yes (true)	SignificantChangeInd
Expense	$927,141	ExpenseAmt
Desc	MM 123 Chase Cy Press Project (total expenses: $927,141): This project helped develop and create the "Money Management 1-2-3 education modules": "Getting a Strong Start", "Achieving Financial Goals" 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. These publications cover such topics as: earning a paycheck, budget 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", "and "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.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$383,970	ExpenseAmt
Desc	The IB Insurance Cy Press Project (total expenses: $383,970): Under this grant Consumer Action conducts research about consumer insurance issues, and takes 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 will pay for auto insurance, and how to file a claim. Consumer Action also provides information on California's low cost auto insurance program.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$259,734	ExpenseAmt
Desc	The Annual Best Practices Consumer Conference (total expenses: $259,734): Every November Consumer Action organizes a "National Consumer Empowerment Conference" in the Chicago area. The aim of this "best practices" conference is to bring together consumer educators and advocates, community organizers, teachers, professors, legislators and other government officials, corporate leaders and others concerned about consumer education and the plight of the consumer in today's marketplace. The event is sponsored by many corporations and annually brings together about 80 participants from around the country. the 2017 event, the eighth annual conference, featured sessions on "Consumer Protections at Risk," "PACE Clean Energy Loans," "The Sharing Economy." "The New Consumer Surveillance," "Inspiring Youth to build Wealth," "Used Car Buyers Beware," "Fighting Financial Hurdles," "Living With Financial Volatility" and Advocates Win Access to Credit". Notable speakers were from such organizations as Public Citizen, the California Reinvestment Coalition, Legal Aid at Work, World Privacy Forum, the Consumer Financial Protection Bureau, the Center for Financial Services Innovation and GreenPath Financial Wellness.	Desc

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$941,043	TotalOtherProgSrvcExpenseAmt
Total Program Service Expenses	$2,511,888	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (true)	DescribedInSection501c3Ind
Schedule B Required	Yes (true)	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Lobbying Activities	Yes (true)	LobbyingActivitiesInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	false	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	Yes (true)	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Invest Tax Exempt Bonds	false	InvestTaxExemptBondsInd
Escrow Account	false	EscrowAccountInd
On Behalf Of Issuer	false	OnBehalfOfIssuerInd
Engaged In Excess Benefit Trans	false	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	false	PYExcessBenefitTransInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	false	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	9	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	24	EmployeeCnt
Employment Tax Returns Filed	false	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	false	UnrelatedBusIncmOverLimitInd
Form990 T Filed	false	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Quid Pro Quo Contributions	false	QuidProQuoContributionsInd
Form8282 Property Disposed Of	false	Form8282PropertyDisposedOfInd
Form8282 Filed	0	Form8282FiledCnt
Rcv Fnds To Pay Prsnl Bnft Cntrct	false	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	false	PayPremiumsPrsnlBnftCntrctInd
Form8899 Filedind	false	Form8899Filedind
Form1098 C Filed	false	Form1098CFiledInd
DAF Excess Business Holdings	false	DAFExcessBusinessHoldingsInd
Taxable Distributions	false	TaxableDistributionsInd
Distribution To Donor	false	DistributionToDonorInd
Org Filed In Lieu Of Form1041	false	OrgFiledInLieuOfForm1041Ind
Licensed More Than One State	false	LicensedMoreThanOneStateInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	10	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	false	MembersOrStockholdersInd
Election Of Board Members	false	ElectionOfBoardMembersInd
Decisions Subject To Approva	false	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	false	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	false	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	CA	StatesWhereCopyOfReturnIsFldCd
Own Website	Yes (X)	OwnWebsiteInd
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd
Other	Yes (X)	OtherInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	Michael Heffer	PersonNm
Phone	4157779648	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1170 Market Street 500	AddressLine1Txt
City	San Francisco	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94102	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
Patricia Sturdevant
Director	1.00	0.00	Yes (X)	$0	$0	$0
Sue Hestor
Director	1.00	0.00	Yes (X)	$0	$0	$0
Ken McEldowney Exec Dir
Secretary	35.00	0.00	Yes (X)	$226,546	$0	$25,343	Yes (X)
Rosa Gonzalez-Abrego
Director	1.00	0.00	Yes (X)	$0	$0	$0
Dr Irene Leech
Director	1.00	0.00	Yes (X)	$0	$0	$0
Ben Lau
Director	1.00	0.00	Yes (X)	$0	$0	$0
Anna Flores
Director	1.00	0.00	Yes (X)	$0	$0	$0
Faith Bautista
Director	1.00	0.00	Yes (X)	$0	$0	$0
Sue Rogan
Director	1.00	0.00	Yes (X)	$0	$0	$0
Gail Sanders
Director	1.00	0.00	Yes (X)	$0	$0	$0
Kay Pachtner
Director	0.00	0.00	Yes (X)	$0	$0	$0
Michael Heffer Business Mgr
Controller	28.00	0.00		$26,749	$0	$3,060	Yes (X)
Linda Sherry
National Priorities Dir.	35.00	0.00		$155,038	$0	$18,252		Yes (X)
Kathy Li
S.F. Office Dir.	35.00	0.00		$148,546	$0	$18,030			Yes (X)
Nani Hansen
Associate Director	0.00	0.00		$104,861	$0	$10,571			Yes (X)
Ruth Albert
Deputy Director	0.00	0.00		$113,495	$0	$5,675			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$775,235	TotalReportableCompFromOrgAmt
Total Other Compensation	$80,931	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Nonprofit Tech	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2214 St Paul Ave	AddressLine1Txt
City	Madison	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53704	ZIPCd

Field	Value	IRS element (for citing)
Services	Computer Services	ServicesDesc
Compensation	$100,000	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt
Membership Dues	$2,270	MembershipDuesAmt
Fundraising	$152,200	FundraisingAmt
All Other Contributions	$1,742,770	AllOtherContributionsAmt
Total Contributions	$1,897,240	TotalContributionsAmt
Total Program Service Revenue	$0	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$74,379	TotalRevenueColumnAmt
Exclusion	$74,379	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Fundraising Gross Income	$2,550	FundraisingGrossIncomeAmt
Contri Rpt Fundraising Event	$152,200	ContriRptFundraisingEventAmt
Fundraising Direct Expenses	$1,600	FundraisingDirectExpensesAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$950	TotalRevenueColumnAmt
Exclusion	$950	ExclusionAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,972,569	TotalRevenueColumnAmt
Exclusion	$75,329	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$456,315	TotalAmt
Program Services	$325,050	ProgramServicesAmt
Management And General	$79,436	ManagementAndGeneralAmt
Fundraising	$51,829	FundraisingAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,572,008	TotalAmt
Program Services	$1,244,292	ProgramServicesAmt
Management And General	$272,158	ManagementAndGeneralAmt
Fundraising	$55,558	FundraisingAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$75,756	TotalAmt
Program Services	$60,660	ProgramServicesAmt
Management And General	$12,520	ManagementAndGeneralAmt
Fundraising	$2,576	FundraisingAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$164,775	TotalAmt
Program Services	$129,085	ProgramServicesAmt
Management And General	$28,777	ManagementAndGeneralAmt
Fundraising	$6,913	FundraisingAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$142,207	TotalAmt
Program Services	$111,170	ProgramServicesAmt
Management And General	$23,996	ManagementAndGeneralAmt
Fundraising	$7,041	FundraisingAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$33,942	TotalAmt
Management And General	$33,942	ManagementAndGeneralAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$103,461	TotalAmt
Program Services	$54,061	ProgramServicesAmt
Management And General	$600	ManagementAndGeneralAmt
Fundraising	$48,800	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$131,654	TotalAmt
Program Services	$104,253	ProgramServicesAmt
Management And General	$23,588	ManagementAndGeneralAmt
Fundraising	$3,813	FundraisingAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$134,881	TotalAmt
Program Services	$119,416	ProgramServicesAmt
Management And General	$14,465	ManagementAndGeneralAmt
Fundraising	$1,000	FundraisingAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$177,171	TotalAmt
Program Services	$138,968	ProgramServicesAmt
Management And General	$28,969	ManagementAndGeneralAmt
Fundraising	$9,234	FundraisingAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$54,049	TotalAmt
Program Services	$40,717	ProgramServicesAmt
Management And General	$1,466	ManagementAndGeneralAmt
Fundraising	$11,866	FundraisingAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$146,481	TotalAmt
Program Services	$146,132	ProgramServicesAmt
Management And General	$349	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$49,137	TotalAmt
Program Services	$38,084	ProgramServicesAmt
Management And General	$8,522	ManagementAndGeneralAmt
Fundraising	$2,531	FundraisingAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$11,540	TotalAmt
Management And General	$11,540	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (2 entries)

DescDesc	TotalTotalAmt	Management And GeneralManagementAndGeneralAmt	FundraisingFundraisingAmt
Miscellaneous	$27,445	$27,445
Less: event direct expenses	-$1,600		-$1,600

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,279,222	TotalAmt
Program Services	$2,511,888	ProgramServicesAmt
Management And General	$567,773	ManagementAndGeneralAmt
Fundraising	$199,561	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$844,769	BOYAmt
EOY	$295,336	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$6,124,000	BOYAmt
EOY	$5,369,000	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$50,000	BOYAmt
EOY	$104,259	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$45,463	BOYAmt
EOY	$56,156	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$299,239	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$158,651	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$189,724	BOYAmt
EOY	$140,588	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$28,654	BOYAmt
EOY	$0	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$7,282,610	BOYAmt
EOY	$5,965,339	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$309,149	BOYAmt
EOY	$357,543	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$59,012	BOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$368,161	BOYAmt
EOY	$357,543	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows SFAS117	Yes (X)	OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$541,729	BOYAmt
EOY	$168,272	EOYAmt

Temporarily Rstr Net Assets TemporarilyRstrNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$6,372,720	BOYAmt
EOY	$5,439,524	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$6,914,449	BOYAmt
EOY	$5,607,796	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$7,282,610	BOYAmt
EOY	$5,965,339	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$1,306,653	ReconcilationRevenueExpnssAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Public Organization170	Yes (X)	PublicOrganization170Ind

Gifts Grants Contri Rcvd170 GiftsGrantsContriRcvd170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$2,904,969	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$5,491,836	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$2,630,961	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$831,434	CurrentTaxYearMinus1YearAmt
Current Tax Year	$1,897,240	CurrentTaxYearAmt
Total	$13,756,440	TotalAmt

Tax Rev Levied Orgnztnl Bnft170 TaxRevLeviedOrgnztnlBnft170Grp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Govt Furn Srvc Fclts Vl170 GovtFurnSrvcFcltsVl170Grp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Total Calendar Year170 TotalCalendarYear170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$2,904,969	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$5,491,836	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$2,630,961	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$831,434	CurrentTaxYearMinus1YearAmt
Current Tax Year	$1,897,240	CurrentTaxYearAmt
Total	$13,756,440	TotalAmt

Field	Value	IRS element (for citing)
Substantial Contributors Tot	$7,077,156	SubstantialContributorsTotAmt
Public Support Total170	$6,679,284	PublicSupportTotal170Amt

Gross Investment Income170 GrossInvestmentIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$33,731	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$43,531	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$56,533	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$84,089	CurrentTaxYearMinus1YearAmt
Current Tax Year	$74,379	CurrentTaxYearAmt
Total	$292,263	TotalAmt

Unrelated Business Net Incm170 UnrelatedBusinessNetIncm170Grp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Income170 OtherIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$208	CurrentTaxYearMinus4YearsAmt
Total	$208	TotalAmt

Field	Value	IRS element (for citing)
Total Support	$14,048,911	TotalSupportAmt
Gross Receipts Rltd Activities	$15,579	GrossReceiptsRltdActivitiesAmt
Public Support CY170	0.47540	PublicSupportCY170Pct
Public Support PY170	0.51250	PublicSupportPY170Pct
Thirty Thr Pct Suprt Tests CY170	Yes (X)	ThirtyThrPctSuprtTestsCY170Ind

Schedule B IRS990ScheduleB

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Form4720 Filed Section4955 Tax	false	Form4720FiledSection4955TaxInd
Correction Made	false	CorrectionMadeInd
Volunteers	false	VolunteersInd
Paid Staff Or Management	Yes (true)	PaidStaffOrManagementInd
Media Advertisements	false	MediaAdvertisementsInd
Mailings Members	Yes (true)	MailingsMembersInd
Mailings Members	$1,965	MailingsMembersAmt
Publications Or Broadcast	Yes (true)	PublicationsOrBroadcastInd
Publications Or Broadcast	$3,175	PublicationsOrBroadcastAmt
Grants Other Organizations	false	GrantsOtherOrganizationsInd
Direct Contact Legislators	Yes (true)	DirectContactLegislatorsInd
Direct Contact Legislators	$3,250	DirectContactLegislatorsAmt
Rallies Demonstrations	Yes (true)	RalliesDemonstrationsInd
Rallies Demonstrations	$7,500	RalliesDemonstrationsAmt
Other Activities	false	OtherActivitiesInd
Total Lobbying Expenditures	$15,890	TotalLobbyingExpendituresAmt
Not Described Section501c3	false	NotDescribedSection501c3Ind
Form4720 Filed4912 Tax	false	Form4720Filed4912TaxInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part II-B, Line 1i - Other Activities Description	FormAndLineReferenceDesc
Explanation	Consumer Action took positions on consumer legislation, contacting legislators and their staffs by phone, e-mail, mail and in-person, and urged consumers to communicate with their legislators about proposed laws. Consumer Action utilized the computer services of Salsa Labs to promote contact on issues between citizens and the US Congress and California state legislature. Consumer Action advocated positions on Federal and California measures, covering such issues as: health insurance, financial services regulation, credit card payments and fees, universal default on credit cards, mortgage brokers, the privacy of consumer financial and medical records, predatory lending, identity theft, elder abuse, consumer warranties and food labeling and safety. Congress: lobbied consumers and legislators to support the continued existence of the Consumer Financial Protection Bureau, a federal agency bill supported before congress.	ExplanationTxt

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$222,181	OtherCostOrOtherBasisAmt
Depreciation	$102,145	DepreciationAmt
Book Value	$120,036	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$77,058	OtherCostOrOtherBasisAmt
Depreciation	$56,506	DepreciationAmt
Book Value	$20,552	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$140,588	TotalBookValueLandBuildingsAmt
Total Rev Etc Audited Fincl Stmt	$1,974,169	TotalRevEtcAuditedFinclStmtAmt
Other Revenue	$1,600	OtherRevenueAmt
Revenue Not Reported	$1,600	RevenueNotReportedAmt
Revenue Subtotal	$1,972,569	RevenueSubtotalAmt
Total Revenue Per Form990	$1,972,569	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$3,280,822	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	$1,600	OtherExpensesIncludedAmt
Expenses Not Reported	$1,600	ExpensesNotReportedAmt
Expenses Subtotal	$3,279,222	ExpensesSubtotalAmt
Total Expenses Per Form990	$3,279,222	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Part XI, Line 2d: Other revenue amounts included in F/S but not included on form 990	Special event expenses $1600
Part XII, Line 2d: Other expenses and losses per audited F/S	Special event expenses $1600

Schedule G IRS990ScheduleG

Field	Value	IRS element (for citing)
Mail Solicitations	Yes (X)	MailSolicitationsInd
Email Solicitations	Yes (X)	EmailSolicitationsInd
Phone Solicitations	Yes (X)	PhoneSolicitationsInd
In Person Solicitations	Yes (X)	InPersonSolicitationsInd
Solicitation Of Non Govt Grants	Yes (X)	SolicitationOfNonGovtGrantsInd
Special Fundraising Events	Yes (X)	SpecialFundraisingEventsInd
Agrmt Prof Fundraising Acty	Yes (true)	AgrmtProfFundraisingActyInd

Fundraiser Activity Info FundraiserActivityInfoGrp

Field	Value	IRS element (for citing)
Person	Carole Berke	PersonNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7412 Oak Lane	AddressLine1Txt
City	Chevy Chase	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	20815	ZIPCd

Field	Value	IRS element (for citing)
Activity	Fundraising Consultant	ActivityTxt
Fundraiser Control Of Funds	false	FundraiserControlOfFundsInd
Gross Receipts	$154,750	GrossReceiptsAmt
Retained By Contractor	$27,500	RetainedByContractorAmt
Net To Organization	$127,250	NetToOrganizationAmt

Field	Value	IRS element (for citing)
Total Gross Receipts	$154,750	TotalGrossReceiptsAmt
Total Retained By Contractors	$27,500	TotalRetainedByContractorsAmt
Total Net To Organization	$127,250	TotalNetToOrganizationAmt

Fundraising Event Information FundraisingEventInformationGrp

Field	Value	IRS element (for citing)
Event1	Cocktail Party	Event1Nm
Gross Receipts Event1	$154,750	GrossReceiptsEvent1Amt
Charitable Contri Event1	$152,200	CharitableContriEvent1Amt
Gross Revenue Event1	$2,550	GrossRevenueEvent1Amt
Entertainment Event1	$300	EntertainmentEvent1Amt
Other Direct Expenses Event1	$1,300	OtherDirectExpensesEvent1Amt
Gross Receipts Total	$154,750	GrossReceiptsTotalAmt
Charitable Contributions Tot	$152,200	CharitableContributionsTotAmt
Gross Revenue Total Events	$2,550	GrossRevenueTotalEventsAmt
Entertainment Total Events	$300	EntertainmentTotalEventsAmt
Oth Direct Expnss Total Events	$1,300	OthDirectExpnssTotalEventsAmt
Direct Expense Summary Events	$1,600	DirectExpenseSummaryEventsAmt
Net Income Summary	$950	NetIncomeSummaryAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	false	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	false	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	false	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	false	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	false	AnyNonFixedPaymentsInd
Initial Contract Exception	false	InitialContractExceptionInd
Rebuttable Presumption Proc	false	RebuttablePresumptionProcInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
Kathy Li
S.F. Office Dir.	$144,588	$3,958	$8,160	$9,870	$166,576
Ken McEldowney Exec Dir
Secretary	$220,761	$5,785	$11,155	$14,188	$251,889
Linda Sherry
National Priorities Dir.	$151,248	$3,790	$7,796	$10,456	$173,290

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part III, Line 3: Ceased Conducting or Significant Changes To Services	A long-term (12 year) educational project funded by Capital One came to an end.
Form 990, Part III, Line 4d: Other Program Services Description	OTHER PROGRAM SERVICES 4: The Trombley BofA Cy Pres Banking Education Project (total expenses: $109,324): This project covers research on bank payment systems, and the issues about using them that impact consumers. Funds from this general cy pres grant also cover the cost of publishing fact sheets on other banking services. OTHER PROGRAM SERVICES 5: The Credit Card Tying Cy Pres Project ($228,527): 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 6: The Financial Literacy Project (total expenses: $106,732): 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 7: Smith Cy Pres Debt Collection Education Project (total expenses: $90,123): This project focuses on the many problems consumers around the country experience when they can't pay their bills. The project has researched, written produced and translated two free basic pamphlets on: "Debtors' Rights" and the "The Fair Debt Collection Practices Act". Accompanying these publications is a "Debt Collection Lesson Plan" and a PowerPoint. These materials provide key insights into the rights that people have when they owe money and are being threatened with a lawsuit or wage garnishment. The 22-page "Debtors' Rights" pamphlet includes coverage of "Your rights when you owe a debt", When a debt collector contacts you", "Avoiding debt collection scams", "Avoiding legal actions", "Responding to a law suit", "Preparing for the Hearing" and more. During the year Consumer Action held several training sessions on these materials, to help the staff of community-based organizations to serve their clients who have payment problems. OTHER PROGRAM SERVICES 8: The Housing Education Project (total expenses: $70,532): 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 9: Other Projects (total expenses: $335,805): 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. OTHER PROGRAM SERVICES 10: Other Projects cont'd (total expenses: $335,805): Within the last year Consumer Action also conducted educational projects concerning: internet privacy and securacy, consumer education for veterans, medical privacy issues, and education about contact lens awareness.
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 are required to fill out and sign a disclosure form indicating whether or not they have or may have any conflicts of interest. On an annual basis they are asked to affirm that no conflict has arisen. This may be done verbally at a board meeting or in writing.
Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection	Tax filings are posted on our website and other web sites. Copies are also available upon request or for inspection at our office.
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.