2017-02-01T13:53:41-06:00 2016-03-31 264677183 DZH PHILLIPS LLP 1330 BROADWAY SUITE 630 OAKLAND CA 94612 990 2015-04-01 237172908 SAN FRANCISCO CONSUMER ACTION SANF 4157779648 1170 MARKET STREET NO 500 SAN FRANCISCO CA 94102 KEN MCELDOWNEY SEC./EXEC. DIR. 4157779635 2017-01-31 1 HYDEH GHAFFARI P01228587 5108346542 X 2015 2021-01-29 14:40:06Z CONSUMER ACTION KEN MCELDOWNEY 1170 MARKET STREET NO 500 SAN FRANCISCO CA 94102 2688994 0 X WWW.CONSUMER-ACTION.ORG X 1971 CA CONSUMER ACTION'S MISSION IS TO PROVIDE CONSUMER EDUCATION AND ADVOCACY TO AND ON BEHALF OF CONSUMERS AROUND THE NATION. ITS PRIMARY ACTIVITIES ARE TO WRITE AND PRODUCE CONSUMER EDUCATION MATERIALS, RESPOND WITH FREE ADVICE AND ASSISTANCE TO CONSUMERS WHO CALL OR EMAIL OUR COMPLAINT AND INFORMATION SWITCHBOARD AND TRAIN COMMUNITY-BASED ORGANIZATIONS ON HOW TO PROMOTE FINANCIAL AND CONSUMER LITERACY IN THEIR DIVERSE COMMUNITIES. OUR CONSUMER EDUCATION MATERIALS INCLUDE PAMPHLETS, TRANSLATED INTO SEVERAL LANGUAGES, WHICH ARE DISTRIBUTED FOR FREE TO CONSUMERS THROUGHOUT OUR NETWORK OF 8,000 COMMUNITY GROUP CONTACTS. WE DISTRIBUTED ONE MILLION PUBLICATIONS LAST YEAR. 9 9 26 12 0 0 5491836 2630961 2545 1500 43531 56533 0 0 5537912 2688994 0 30000 0 0 2194371 2334855 49500 43000 140183 789792 907655 3033663 3315510 2504249 -626516 10213650 9651559 324052 388477 9889598 9263082 X CONSUMER ACTION IS DEDICATED TO HELPING INDIVIDUAL CONSUMERS ASSERT THEIR RIGHTS IN THE MARKETPLACE AND TO ADVANCING PRO-CONSUMER MARKETPLACE CHANGES TO PROMOTE ECONOMIC JUSTICE FOR THE BENEFIT OF ALL CONSUMERS. THE ORGANIZATION ACHIEVES ITS MISSION THROUGH CONSUMER EDUCATION, MULTILINGUAL COMMUNITY OUTREACH AND ISSUE-BASED ADVOCACY THROUGH ITS OFFICES IN SAN FRANCISCO, LOS ANGELES, WASHINGTON, DC, WORKING TOGETHER WITH MANY COMMUNITY-BASED ORGANIZATIONS AROUND THE COUNTRY. OUR MATERIALS, TRAINING AND SUPPORT SERVICES TO COMMUNITY ORGANIZATIONS ENSURE THAT COMMUNITY EDUCATORS HAVE THE MOST UPDATED CONSUMER LITERACY TOOLS AND INFORMATION FOR THEIR CONSTITUENTS. 0 0 201391 0 0 MONEYWISE PROJECT - THIS PROJECT PROVIDED EDUCATION ON SHOPPING FOR AND USING CONSUMER FINANCIAL SERVICES. THIS FREE PROGRAM CREATED, TRANSLATED AND DISTRIBUTED EDUCATIONAL FACT SHEETS ABOUT BANKING SERVICES, CREDIT, BANKRUPTCY, FORECLOSURE PREVENTION, MICRO BUSINESSES, IDENTITY THEFT, BUYING A HOME AND OTHER TOPICS. THE PROJECT'S PUBLICATIONS WERE ALL DESIGNED FOR EASY READING, AND FOCUSED ON BASIC RIGHTS AND REMEDIES IN THE MARKETPLACE. THEY WERE TRANSLATED INTO CHINESE, SPANISH, KOREAN AND VIETNAMESE, AND DISTRIBUTED THROUGH A NETWORK OF MORE THAN 8,000 COMMUNITY GROUPS THROUGHOUT THE COUNTRY. WE PROVIDED TRAINING ON THESE TOPICS TO THE STAFFS OF NON-PROFIT AGENCIES AROUND THE COUNTRY, INCLUDING SENIOR CENTERS, IMMIGRANT ASSISTANCE CENTERS, UNIVERSITIES, COOPERATIVE EXTENSION SERVICES, CREDIT COUNSELING AND VETERANS'S ASSISTANCE AGENCIES. 186380 0 0 FINANCIAL LITERACY PROJECT - THIS PROJECT RESEARCHED, WROTE AND PUBLISHED EDUCATIONAL MATERIALS IN SEVERAL LANGUAGES, TO HELP CONSUMERS UNDERSTAND HOW TO SHOP FOR AND USE BANKING, CREDIT AND OTHER CONSUMER FINANCIAL SERVICES. THE MATERIALS PRODUCED BY THE PROJECT ALSO COVERED FINANCIAL PLANNING, DEBT MANAGEMENT AND RETIREMENT. CONSUMER ACTION TRANSLATED THESE MATERIALS INTO CHINESE, SPANISH, KOREAN AND VIETNAMESE, DISTRIBUTED THEM FOR FREE AROUND THE COUNTRY AND CONDUCTED TRAININGS TO HELP COMMUNITY AGENCY STAFF WORK WITH THE FREE MATERIALS TO MEET THE NEEDS OF THEIR CLIENTS FOR EDUCATION ABOUT FINANCIAL LITERACY. THE PROJECT RAN A WEBSITE, WWW.MANAGINGMONEY.ORG, DESIGNED TO SERVE AS A FINANCIAL LITERACY CLEARINGHOUSE. IT FEATURED MULTILINGUAL EDUCATIONAL MATERIALS, NEWS ON TOPICS ABOUT PERSONAL FINANCES, AND RECOMMENDED PUBLICATIONS CREATED BY OTHER COMMUNITY ORGANIZATIONS AND GOVERNMENT AGENCIES. 298156 0 0 INSURANCE CY PRES PROJECT - CONSUMER ACTION RECEIVED A GRANT FROM A LARGE CY PRES LEGAL SETTLEMENT AND USED THAT FUNDING TO TACKLE SEVERAL TOPICS WITHIN THAT FIELD. CA CREATED SEVERAL FREE PUBLICATIONS ON INSURANCE, SUCH AS "AUTO INSURANCE: THE BASICS", WHICH IT TRANSLATED INTO CHINESE, KOREAN, SPANISH AND VIETNAMESE AND DISTRIBUTED AROUND THE COUNTRY THROUGH COMMUNITY-BASED ORGANIZATIONS. IT ALSO PUBLISHED INFORMATION ON HOME INSURANCE, HEALTH INSURANCE AND LIFE INSURANCE. THIS GRANT HELPED TO SUPPORT CA'S FREE INFORMATION HOTLINE, WHICH ANSWERED MANY QUESTIONS FROM PEOPLE AROUND THE COUNTRY ABOUT SHOPPING FOR AND USING MANY KINDS OF INSURANCE. 399965 0 0 BANKING & CREDIT CARD EDUCATION PROJECTS 34430 0 DASH FOR THE STASH PROGRAM 114091 0 HOUSING EDUCATION PROJECT 334842 0 IB INSURANCE & LOW COST AUTO INSURANCE PROJECTS 247627 0 IP TRANSITION PROJECT 160859 0 INTERNET PRIVACY & SECURITY PROJECTS 174938 0 NATIONAL CONSUMER EDUCATION CONFERENCE 205382 0 NATIONAL DEBT COLLECTION EDUCATION PROJECTS 70000 30000 ROSE FOUNDATION FINANCIAL EDUCATION GRANT 72586 VETERANS EDUCATION PROJECT 1814720 30000 0 2500647 1 1 0 1 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 1 1 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 8 0 1 26 1 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 0 0 0 1 0 0 0 0 1 1 1 1 1 0 0 0 CA X X MICHAEL HEFFER 4157779635 1170 MARKET ST 500 SAN FRANCISCO CA 94105 PAT STURDEVANT PRESIDENT 1.00 X X 0 0 0 SUE HESTOR TREASURER 1.00 X X 0 0 0 FAITH BAUTISTA BOARD MEMBER 1.00 X 0 0 0 ANNA ALVAREZ BOYD BOARD MEMBER 1.00 X 0 0 0 PASTOR HERRERA JR BOARD MEMBER 1.00 X 0 0 0 BEN LAU BOARD MEMBER 1.00 X 0 0 0 DR IRENE LEECH BOARD MEMBER 1.00 X 0 0 0 ANNA FLORES BOARD MEMBER 1.00 X 0 0 0 SUE ROGAN BOARD MEMBER 1.00 X 0 0 0 KEN MCELDOWNEY SECRETARY & E.D. 35.00 X 216425 0 22264 KATHY LI SF OFFICE DIRECTOR 35.00 X 163362 0 15150 LINDA SHERRY WASHINGTON, DC OFFICE DIRECTOR 35.00 X 148854 0 14272 RUTH ALBERT DEPUTY DIRECTOR, NATIONAL PRIORITY 35.00 X 106690 0 14975 635331 0 66661 4 0 1 0 0 2940 216600 2411421 2630961 CONTRACT INCOME 1500 1500 1500 56533 56533 0 216600 0 0 2688994 1500 0 56533 30000 30000 227818 184482 20045 23291 1716927 1295797 384265 36865 93859 71421 19535 2903 156508 119014 32657 4837 139743 106284 29140 4319 27676 27676 43000 43000 14633 13250 983 400 177606 125032 50974 1600 107102 93879 11759 1464 243190 185108 50559 7523 92464 77321 2908 12235 170388 165059 5329 44666 34000 9286 1380 5054 5054 DUES, FEES AND MISC. 24876 24510 366 3315510 2500647 674680 140183 39963 465920 9856456 8688490 150000 159430 25609 40329 304485 64153 58319 240332 83303 57058 10213650 9651559 287630 327456 36422 61021 324052 388477 X 736989 699972 9152609 8563110 9889598 9263082 10213650 9651559 -626516 0 X X 0 1 X 1 0 X 3144055 2440806 2904969 5491836 2630961 16612627 3144055 2440806 2904969 5491836 2630961 16612627 8335888 8276739 57130 49158 33731 43531 56533 240083 208 208 16852918 8029 0.49110 0.50170 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 0 1 13090 1 60 0 1 1166 1 40 0 14356 0 PART II-B, LINE 1: 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 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. CONSUMER ACTION LOBBYING ACTIVITIES FOR 2015 - 2016 CONGRESS: LOBBIED CONSUMERS AND LEGISLATORS TO SUPPORT THE CONTINUED EXISTENCE OF THE CONSUMER FINANCIAL PROTECTION BUREAU, A FEDERAL AGENCY BILLS SUPPORTED BEFORE CONGRESS: -HR 5282: COMPREHENSIVE CONSUMER CREDIT REPORTING REFORM ACT. -HR 3673: PAPER RETURNS FOR THOSE WHO FILED USING PAPER LAST YEAR. -S 2044: CONSUMER REVIEW FREEDOM ACT OF 2015 -S 793: GIVE STUDENT LOAN BORROWERS THE RIGHT TO REFINANCE. -HR 2087: THE ARBITRATION FIARNESS ACT OF 2015. -HR 2235: HANGUP (HELP AMERICANS NEVER GET UNWANTED PHONE CALLS) -S 1773: CONSUMER REPORTING FAIRNESS ACT OF 2015. -S 1732: COMPREHENSIVE TRANSPORTATION AND CONSUMER PROTECTION ACT OF 2015 (AMENDMENT). -HR 1181: VEHICLE SAFETY IMPROVEMENT ACT OF 2015. -BILLS OPPOSED BEFORE CONGRESS: -S 2777: FAIRNESS TO CONTACT LENS CONSUMERS ACT. -HR 4884: CONTROLLING THE UNCHECKED AND RECKLESS BALLOONING OF THE LIFELINE FUND. -HR 2666: NO RATE REGULATION OF BROADBAND INTERNET ACT. -HR 3624: FRAUDULENT JOINDER PREVENTION ACT OF 2015. -HR 2055: DATA SECURITY ACT OF 2015 -HR 4018: CONSUMER PROTECTION AND CHOICE ACT -HR 3192: HOMEBUYERS ASSISTANCE ACT. -HR 3189: FED OVERSIGHT REFORM AND MODERNIZATION ACT OF 2015. -HR 2577: TRANSPORTATION, HOUSING AND URBAN DEVELOPMENT, AND RELATED AGENCIES APPROPRIATIONS ACT OF 2016. -HR 1941: FINANCIAL INSTITUTIONS EXAMINATION FAIRNESS AND REFORM ACT. -HR 1317: AMENDMENT TO THE COMMODITY EXCHANGE ACT AND THE SECURITIES EXCHANGE ACT OF 1934. -S 1607: REFORMING CFPB INDIRECT AUTO FINANCING GUIDANCE ACT. -HR 766: FINANCIAL INSTITUTIONS CONSUMER PROTECTION ACT OF 2015. -HR 1210: PORTFOLIO LENDING AND MORTGAGE ACCESS ACT. -HR 427: REGULATIONS FROM THE EXECUTIVE IN NEED OF SCRUTINY (REINS) ACT OF 2015. POSITIONS TAKEN WITHIN CALIFORNIA: SUPPORT: SB 448: ENERGY: PETROLEUM SUPPLY AND PRICING. PETITION: BIG BANKS: END FORCED ARBITRATION CLAUSE. 304485 64153 240332 240332 DEFERRED RENT 61021 61021 2688994 0 2688994 0 2688994 3315510 0 3315510 0 3315510 X X X X X X 1 CAROLE BERKE 7412 OAK LANE CHEVY CHASE MD 20815 FUNDRAISING CONSULTING 0 216600 43000 173600 216600 43000 173600 CA 44TH ANNIVERSARY FUNDRAISER 216600 216600 216600 216600 1 EASTER SEALS OF CENTRAL TEXAS 8505 CROSS PARK DR AUSTIN TX 78754 750808811 501(C)(3) 5000 SUPPORT CONSUMER EDUCATION AND ADVOCACY EMPOWERING STUDENTS AND PARENTS INC PO BOX 64 2960 WASHINGTON RD GLENWOOD MD 21738 043662964 501(C)(3) 5000 SUPPORT CONSUMER EDUCATION AND ADVOCACY HOPES COMMUNITY ACTION PARTNERSHIP 301 GARDEN ST HOBOKEN NJ 07030 221801849 501(C)(3) 5000 SUPPORT CONSUMER EDUCATION AND ADVOCACY OPPORTUNITIES INDUSTRIALIZATION CENTER OF DC 3707 ML KING JR AVE WASHINGTON DC 20032 522237798 501(C)(3) 5000 SUPPORT CONSUMER EDUCATION AND ADVOCACY OPPORTUNITIES INDUSTRIALIZATION CENTER OF OUACHITA PO BOX 4255 MONROE LA 71201 720801911 501(C)(3) 5000 SUPPORT CONSUMER EDUCATION AND ADVOCACY ZOE LIFE FELLOWSHIP CENTER 4607 RIDGE POINT WAY RIVERSIDE CA 92509 262089980 501(C)(3) 5000 SUPPORT CONSUMER EDUCATION AND ADVOCACY 6 0 0 0 0 0 0 0 0 0 0 KEN MCELDOWNEY SECRETARY & E.D. 207199 0 9226 0 0 0 11392 0 10872 0 238689 0 0 0 KATHY LI SF OFFICE DIRECTOR 163362 0 0 0 0 0 8124 0 7026 0 178512 0 0 0 LINDA SHERRY WASHINGTON, DC OFFICE DIRECTOR 148854 0 0 0 0 0 7401 0 6871 0 163126 0 0 0 FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE A COMMITTEE WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 ALL BOARD MEMBERS RECEIVED COPIES OF THE FILED FORM 990, AND DISCUSSED ITS CONTENTS AT A BOARD MEETING. FORM 990, PART VI, SECTION B, LINE 12C BOARD MEMBERS ARE REQUIRED TO FILL OUT AND SIGN ANNUALLY 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 THEY MAY DO VERBALLY AT A BOARD MEETING. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO PUBLIC UPON REQUEST. FORM 990, PART XII, LINE 2C: THE AUDIT COMMITTEE SELECTS AND OVERSEES AN INDEPENDENT ACCOUNTING FIRM TO CONDUCT THE AUDIT. NO CHANGE IN THE SELECTION METHOD OCCURRED THIS YEAR.