2016-11-08T16:19:56-06:00 2015-12-31 ERNST & YOUNG US LLP 1900 SCRIPPS CENTER 312 WALNUT ST CINCINNATI OH 45202 990 2015-01-01 200863779 FINRA INVESTOR EDUCATION FOUNDATION % JENNIFER P MITCHELL FINR 2027288949 1735 K STREET NW WASHINGTON DC 200061506 ROBERT A RENNER VICE PRESIDENT 2403865303 2016-11-08 true JULIE L SPARKS P01268401 5136121400 2015 2017-02-10 21:41:12Z GERALDINE M WALSH 1735 K STREET NW WASHINGTON DC 200061506 81300400 false X WWW.FINRAFOUNDATION.ORG X 2004 DE THE MISSION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. 7 6 0 6 0 1750923 50760645 0 0 1071632 4560247 0 0 2822555 55320892 3234757 3100430 0 0 0 0 0 0 0 7245399 5632704 10480156 8733134 -7657601 46587758 32365620 74291756 1055785 253337 31309835 74038419 X THE MISSION IS TO PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. false false 4146806 2911095 EXPAND GRASSROOTS CAPACITY FOR FINANCIAL EDUCATION - SEE SCHEDULE O 2518696 50000 PROTECT CONSUMERS FROM FINANCIAL FRAUD - SEE SCHEDULE O 1330289 ENSURE MILITARY FINANCIAL READINESS - SEE SCHEDULE O 416010 139335 8411801 false true false false false false false false false false true false false true true true true false false false false false false false false false true false true false false false false false false false false true false false false false true false false true 7 0 true 0 false false false false false false false false false false X 7 6 false false true false true true true true true false false true true true true true true false false false X JENNIFER P MITCHELL 2027288949 1735 K STREET NW WASHINGTON DC 200061506 X RICHARD G KETCHUM CHAIRMAN 1.0 59.0 X 0 2821159 92784 JAYNE W BARNARD BOARD MEMBER 1.0 0.0 X 0 0 0 JOHN T DOOLEY BOARD MEMBER 1.0 0.0 X 0 0 0 IDALIA P FERNANDEZ BOARD MEMBER 1.0 0.0 X 0 0 0 ROBERT W SCULLY BOARD MEMBER 1.0 0.0 X 0 80409 0 SHARON P SMITH BOARD MEMBER 1.0 0.0 X 0 0 0 G DONALD STEEL BOARD MEMBER 1.0 0.0 X 0 0 0 GERALDINE M WALSH PRESIDENT 48.0 12.0 X 0 528479 99364 EILEEN M FAMIGLIETTI TREASURER 6.0 54.0 X 0 399890 84992 JENNIFER P MITCHELL CORPORATE SECRETARY 3.0 57.0 X 0 248757 59759 MARCIA E ASQUITH FMR CORPORATE SECRETARY 0.0 60.0 X 0 564157 112407 0 4642851 449306 0 true true false GMMB INC PO BOX 415312 BOSTON MA 02241 SEE SCHEDULE O 765439 HOUGHTON MIFFLIN HARCOURT 151 W 26TH STREET NEW YORK NY 10001 SEE SCHEDULE O 475133 FAIR ISAAC CORPORATION 3661 VALLEY CENTRE DRIVE SAN DIEGO CA 92130 SEE SCHEDULE O 318025 BBB INSTITUTE FOR MARKETPLACE TRUST 3033 WILSON BOULEVARD ARLINGTON VA 22201 SEE SCHEDULE O 300000 APPLIED RESEARCH CONSULTING 320 WEST 13TH STREET NEW YORK NY 10014 SEE SCHEDULE O 245000 8 50760645 25000000 50760645 0 659045 659045 0 0 0 0 0 29880710 25979508 3901202 3901202 3901202 0 0 0 0 55320892 4560247 3100430 3100430 0 0 0 0 0 0 0 0 0 3424257 3424257 27 27 76105 76105 0 0 24238 24238 0 1496081 1482473 13608 62796 3222 59574 23374 23374 0 148451 100821 47630 77428 50108 27320 0 124169 83013 41156 0 0 0 0 PUBLICATIONS/PRINTING 174727 166893 7834 MISCELLANEOUS EXPENSE 677 210 467 DUES/MEMBERSHIP FEE 374 374 8733134 8411801 321333 0 1070405 342845 3174133 0 0 0 1353133 199650 0 0 0 0 0 0 0 0 129126 261722 0 26638823 49509293 0 23978246 0 0 0 0 0 0 32365620 74291756 862949 210683 192320 32681 0 0 0 0 0 0 0 0 0 0 0 0 516 9973 1055785 253337 X 31309835 74038419 0 0 0 0 31309835 74038419 32365620 74291756 X 46587758 -3881578 3335159 24238 -3336993 X false true X true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED PRIVATE INVESTMENTS 23978246 F 23978246 0 DUE TO RELATED ORGANIZATION 9973 9973 X 54774473 -3881578 3335159 -546419 55320892 55320892 12045889 3335159 -22404 3312755 8733134 8733134 SCHEDULE D, PART X, LINE 2 ASC740 FOOTNOTE THE FOUNDATION IS A TAX-EXEMPT ORGANIZATION UNDER SECTION 501(C)(4)OF THE INTERNAL REVENUE CODE AND, ACCORDINGLY, HAS MADE NO PROVISION FOR FEDERAL OR STATE INCOME TAXES. FOR YEARS ENDED DECEMBER 31, 2012 THROUGH DECEMBER 31, 2015, WHICH REPRESENT THE PERIODS MANAGEMENT CONSIDERS TO BE OPEN FOR EXAMINATION BY TAXING AUTHORITIES, MANAGEMENT DID NOT IDENTIFY THE EXISTENCE OF ANY UNCERTAIN TAX POSITIONS. UNRELATED BUSINESS INCOME UNRELATED BUSINESS INCOME ACTIVITIES ARE TAXED AT NORMAL CORPORATE RATES TO THE EXTENT THAT THEY GENERATE TAXABLE NET INCOME. SUCH UNRELATED BUSINESS INCOME MAY BE GENERATED BY CERTAIN ACTIVITIES WITHIN THE FOUNDATION'S LIMITED PARTNERSHIP INVESTMENT. SCHEDULE D, PART XII, LINE 2D AMOUNTS INCLUDED ON LINE 1 BUT NOT ON FORM 990, PART IX, LINE 25 RELATE TO REFUNDS OF PRIOR YEAR'S UNUSED GRANTS. true BRIGHTON CENTER INC PO BOX 325 NEWPORT KY 41072 610673886 501(C)(3) 50000 SEE SCHEDULE O CHICAGO PUBLIC LIBRARY 20 NORTH MICHIGAN AVENUE CHICAGO IL 60602 363480353 501(C)(3) 50000 SEE SCHEDULE O CLAYTON COLLABORATIVE AUTHORITY 696 MOUNT ZION ROAD JONESBORO GA 30236 582516726 501(C)(3) 50000 SEE SCHEDULE O COLORADO LIBRARY CONSORTIUM 7400 EAST ARAPAHONE CENTENNIAL CO 80112 840691967 501(C)(3) 74965 SEE SCHEDULE O CONSUMER CREDIT COUNSELING SVC OF DELAWARE 1608 WALNUT STREET PHILADELPHIA PA 19103 231671903 501(C)(3) 70900 SEE SCHEDULE O ENGLISH SKILLS LEARNING CENTER 4444 SO 700 SALT LAKE CITY UT 84107 870467902 501(C)(3) 49500 SEE SCHEDULE O FOUNDATION OF FULTON MONTGOMERY COMMUNITY 2805 STATE HIGHWAY 67 JOHNSTOWN NY 12095 141584150 501(C)(3) 45694 SEE SCHEDULE O FRIENDS OF LITTLETON LIBRARY 6028 SOUTH GOLLUP ST LITTLETON CO 80120 846043543 501(C)(3) 72350 SEE SCHEDULE O FRIENDS OF THE ALBUQUERQUE PUBLIC LIBRARY PO BOX 26657 ALBUQUERQUE NM 87125 237024173 501(C)(3) 31635 SEE SCHEDULE O FRIENDS OF THE ASHE COUNTY PUBLIC LIBRARY 148 LIBRARY DRIVE WEST JEFFERSON NC 28694 531386281 501(C)(3) 29261 SEE SCHEDULE O FRIENDS OF THE CHESTERFIELD COUNTY PUBLIC PO BOX 4842 MIDLOTHIAN VA 23112 521245254 501(C)(3) 39140 SEE SCHEDULE O FRIENDS OF THE LIBRARY OF HAWAII 690 POHUKAINA STREET HONOLULU HI 96813 996003670 501(C)(3) 100000 SEE SCHEDULE O GEORGIA STATE UNIVERSITY COLLEGE OF LAW PO BOX 3999 ATLANTA GA 30302 581845423 501(C)(3) 62500 SEE SCHEDULE O GREATER EDWARDSVILLE AREA COMMUNITY FND PO BOX 102 EDWARDSVILLE IL 62025 367146151 501(C)(3) 27295 SEE SCHEDULE O INNOVATIVE CHANGES 2010 LLOYD CENTER PORTLAND OR 97232 800516996 501(C)(3) 42185 SEE SCHEDULE O JOB OPPORTUNITIES TASK FORCE 217 EAST REDWOOD ST BALTIMORE MD 21202 522278450 501(C)(3) 63816 SEE SCHEDULE O KANSAS CITY PUBLIC LIBRARY 14 WEST 10TH STREET KANSAS CITY KS 64105 431497955 501(C)(3) 50000 SEE SCHEDULE O KENTUCKY DOMESTIC VIOLENCE ASSOCIATION INC PO BOX 356 FRANKFORT KY 40601 611110432 501(C)(3) 74800 SEE SCHEDULE O LAKE REGION STATE COLLEGE LIBRARY FND 1801 COLLEGE DR DEVILS LAKE ND 58301 510242987 501(C)(3) 38625 SEE SCHEDULE O LIBRARIES OF MONTROSE COUNTY 320 SOUTH 2ND STREET MONTROSE CO 81401 870752578 501(C)(3) 94590 SEE SCHEDULE O LIBRARY LEGACY FOUNDATION OF TOLEDO-LUCAS 325 MICHIGAN STREET TOLEDO OH 43604 341632308 501(C)(3) 40941 SEE SCHEDULE O LYRASISSTATE LIBRARIES OF IOWA 1438 WEST PEACHTREE ST ATLANTA GA 30309 231365979 501(C)(3) 35507 SEE SCHEDULE O METRO UNITED WAY INC 334 EAST BROADWAY LOUISVILLE KY 40204 610444680 501(C)(3) 60927 SEE SCHEDULE O MICHIGAN STATE UNIVERSITY COLLEGE OF LAW 628 N SHAW LANE EAST LANSING MI 48824 381358000 501(C)(3) 62500 SEE SCHEDULE O MISSION ECONOMIC DEVELOPMENT AGENCY 2301 MISSION ST SAN FRANCISCO CA 94110 510187791 501(C)(3) 75000 SEE SCHEDULE O MONROE COUNTY PUBLIC LIBRARY 303 E KIRKWOOD AVE BLOOMINGTON IN 47408 351892355 501(C)(3) 43615 SEE SCHEDULE O MONTANA STATE UNIVERSITY 309 MONTANTA HALL PO BOX 172470 BOZEMAN MT 59717 816010045 501(C)(3) 14361 SEE SCHEDULE O MONTANA STATE UNIVERSITY EXTENSION 309 MONTANA HALL BOZEMAN MT 59717 816010045 501(C)(3) 68332 SEE SCHEDULE O NEIGHBORHOOD ECONOMIC DEVELOPMENT CORP 212 MAIN STREET SPRINGFIELD OR 97477 930739188 501(C)(3) 75000 SEE SCHEDULE O NORTHWEST SIDE HOUSING CENTER 5233 WEST DIVERSITY AVE CHICAGO IL 60639 201413891 501(C)(3) 62500 SEE SCHEDULE O OPERATION HOPE 707 WILSHIRE BLVD LOS ANGELES CA 90017 954378084 501(C)(3) 130724 SEE SCHEDULE O PIONEER LIBRARY SYSTEM FOUNDATION 300 NORTH CENTER COURT NORMAN OK 73072 010946757 501(C)(3) 19789 SEE SCHEDULE O RUNDELL LIBRARY FOUNDATION 115 SOUTH AVENUE ROCHESTER NY 14610 161347453 501(C)(3) 29255 SEE SCHEDULE O SAN DIEGO PUBLIC LIBRARY 820 E STREET SAN DIEGO CA 92101 330959608 501(C)(3) 100000 SEE SCHEDULE O SPRINGDALE PUBLIC LIBRARY 405 SOUTH PLEASANT ST SPRINGDALE AZ 72764 710861658 501(C)(3) 17028 SEE SCHEDULE O STEP UP SAVANNAH 428 BULL STREET SAVANNAH GA 31401 300526014 501(C)(3) 95000 SEE SCHEDULE O THE GREATER PATCHOGUE FOUNDATION 15 NORTH OCEAN AVENUE PATCHOGUE NY 11772 611417255 501(C)(3) 29876 SEE SCHEDULE O THE MOUNTAIN BROOK LIBRARY FOUNDATION 50 OAK STREET MOUNTAIN BROOK AL 35213 582094979 501(C)(3) 38500 SEE SCHEDULE O TRUSTEES OF BOSTON COLLEGE 140 COMMONWEALTH CHESTNUT HILL MA 02467 042103545 501(C)(3) 26366 SEE SCHEDULE O UNITED WAY OF CENTRAL INDIANA 3901 NORTH MERIDIAN INDIANAPOLIS IN 46208 351007590 501(C)(3) 59018 SEE SCHEDULE O UNITED WAY OF CENTRAL IOWA 1111 NINTH STREET DES MOINES IA 50314 420680425 501(C)(3) 75000 SEE SCHEDULE O UNITED WAY OF CHITTENDEN COUNTY 412 FARRELL ST SOUTH BURLINGTON VT 05403 030217229 501(C)(3) 74800 SEE SCHEDULE O UNITED WAY OF GREATER AUSTIN 2000 E MLK JR DRIVE AUSTIN TX 78702 741193439 501(C)(3) 75000 SEE SCHEDULE O UNITED WAY OF GREATER MILWUAKEE & WAUKESHA CTY 225 WEST VINE STREET MILWAUKEE WI 53005 390806190 501(C)(3) 75000 SEE SCHEDULE O UNITED WAY OF GREATER MILWAUKEE & WAUKESHA CTY 225 WEST VINE STREET MILWAUKEE WI 53005 390806190 501(C)(3) 75000 SEE SCHEDULE O UNITED WAY OF INLAND VALLEYS 6215 RIVER CREST DR RIVERSIDE CA 92507 951742174 501(C)(3) 62336 SEE SCHEDULE O UNITED WAY OF METROPOLITAN ATLANTA 100 EDGEWOOD DRIVE ATLANTA GA 30303 580566194 501(C)(3) 70345 SEE SCHEDULE O UNITED WAY OF MONROE COUNTY 441 SOUTH COLLEGE BLOOMINGTON IN 47403 350985959 501(C)(3) 52319 SEE SCHEDULE O UNITED WAY OF STORY COUNTY 315 CLARK AVENUE AMES IA 50010 420947489 501(C)(3) 57481 SEE SCHEDULE O UNITED WAY OF WAYNE AND HOLMES COUNTIES 215 SOUTH WALNUT STREET WOOSTER OH 44691 340946973 501(C)(3) 25000 SEE SCHEDULE O UNIVERSITY OF KANSAS CENTER FOR RESEARCH 2385 IRVING HILL ROAD LAWRENCE KS 66045 480680117 501(C)(3) 42219 SEE SCHEDULE O UNIVERSITY OF MARYLAND BALTIMORE 620 WEST LEXINGTON COLLEGE PARK MD 30384 526002033 501(C)(3) 17639 SEE SCHEDULE O URBAN INSTITUTE 2100 M STREET NW WASHINGTON DC 20037 520880375 501(C)(3) 38750 SEE SCHEDULE O VIRGINIA BEACH LIBRARY FOUNDATION 2416 COURTHOUSE VIRGINIA BEACH VA 23456 273077402 501(C)(3) 33050 SEE SECHEDULE O YWCA OF SEATTLEKINGSNOHOMISH 2024 3RD AVENUE SEATTLE WA 98121 910482890 501(C)(3) 75000 SEE SCHEDULE O STANFORD UNIVERSITY 579 SERRA MALL STANFORD CA 94305 941156365 501(C)(3) 50000 SEE SCHEDULE O 56 FORM 990, SCHEDULE I, PART I, LINE 2 DESCRIPTION OF ORGANIZATION'S PROCEDURES FOR MONITORING THE USE OF GRANTS FOLLOWING APPROVAL OF A GRANT APPLICATION BY THE BOARD OF DIRECTORS, THE FOUNDATION EXECUTES A GRANT AGREEMENT WITH THE APPLICANT. THIS AGREEMENT SPECIFIES THE TERMS AND CONDITIONS OF THE GRANT, AS WELL AS THE REPORTING AND PAYMENT SCHEDULE. GRANTS ARE DISBURSED IN INSTALLMENTS TIED TO THE SUBMISSION OF NARRATIVE AND FINANCIAL PROGRESS REPORTS AND THE COMPLETION OF DELIVERABLES, WHICH ARE REVIEWED BY THE FOUNDATION TO ENSURE QUALITY AND COMPLIANCE WITH THE GRANT AGREEMENT. AT ITS DISCRETION, THE FOUNDATION MAY CONDUCT SITE VISITS TO OBSERVE PROJECTS AND EXAMINE OUTCOMES. THE FOUNDATION MAY ALSO UNDERTAKE OR COMMISSION EVALUATION ANALYSIS ACROSS GRANT SITES. IN ADDITION TO PROGRESS REPORTS, GRANTEES ARE REQUIRED TO COMPLETE A FINAL NARRATIVE AND FINANCIAL REPORT DETAILING PROJECT OUTCOMES AND ACCOUNTING FOR THE USE OF GRANT FUNDS. false true false false false false false false false RICHARD G KETCHUM CHAIRMAN 0 977934 0 1500000 0 343225 0 70134 0 22650 0 2913943 0 GERALDINE M WALSH PRESIDENT 0 282560 0 225000 0 20919 0 80698 0 18666 0 627843 0 EILEEN M FAMIGLIETTI TREASURER 0 263896 0 134033 0 1961 0 48008 0 36984 0 484882 0 JENNIFER P MITCHELL CORPORATE SECRETARY 0 157394 0 90000 0 1363 0 22045 0 37714 0 308516 0 MARCIA E ASQUITH FMR CORPORATE SECRETARY 0 250052 0 290000 0 24105 0 84521 0 27886 0 676564 0 0 SCHEDULE J, PART I, LINES 3 AND 4B SUPPLEMENTAL COMPENSATION INFORMATION THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA OR ITS SUBSIDIARIES. THE FOUNDATION DOES NOT COMPENSATE THESE EMPLOYEES FOR THEIR SERVICES. LINE 3) COMPENSATION FOR THE CEO/EXECUTIVE DIRECTOR IS ESTABLISHED AT THE PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FOR FURTHER DETAILS REGARDING COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2015 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 OF THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. WITH RESPECT TO LINE 4B), FINRA OFFERS TWO NON-QUALIFIED SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS. ANNUAL INCREASES IN BENEFIT VALUE, CLIFF VESTING EVENTS, AND PAYOUT DIFFERENTIALS ARE TAXABLE IN THE YEAR IN WHICH THEY OCCUR AND ARE REPORTED IN COLUMN B(iii) OF SCHEDULE J, PART II. UNVESTED BENEFIT AND CONTRIBUTION ACCRUALS ARE TAX DEFERRED AND ARE REPORTED IN COLUMN C OF SCHEDULE J, PART II. 1) FINRA'S SUPPLEMENTAL DEFINED BENEFIT PLAN IS A NON-QUALIFIED DEFINED BENEFIT PLAN THAT IS PROVIDED TO MEMBERS OF A SELECT GROUP OF MANAGEMENT OR HIGHLY COMPENSATED EMPLOYEES SUCH AS THOSE DESCRIBED UNDER 201(2), 301(A)(3), AND 401(A)(1) OF ERISA. IT IS A FINRA FUNDED PLAN THAT VESTS AT SPECIFIED AGE AND SERVICE MILESTONES. THIS PLAN WAS CLOSED TO NEW ENTRANTS AS OF 12/31/05. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED BENEFIT PLAN THAT HAD A GROSS TAXABLE PAYOUT IN 2015: NONE 2) FINRA'S SUPPLEMENTAL DEFINED CONTRIBUTION PLAN IS A NON-QUALIFIED PLAN THAT IS OPEN TO VICE PRESIDENTS AND ABOVE WITH AN ANNUAL BASE PAY ABOVE THE QUALIFIED LIMIT. IT IS ONLY OPEN TO THOSE NOT PARTICIPATING IN THE CLOSED NON-QUALIFIED DEFINED BENEFIT PLAN DESCRIBED ABOVE. IT IS A FINRA FUNDED PLAN WITH A THREE YEAR VESTING CYCLE WITH ANNUAL VESTING BEGINNING AT AGE 62. PARTICIPANTS IN THE SUPPLEMENTAL NON-QUALIFIED DEFINED CONTRIBUTION PLAN WITH CONTRIBUTIONS VESTING IN 2015 INCLUDE: RICHARD G. KETCHUM - $300,020 X 1 25000000 FMV 0 false false false SCHEDULE M, LINE 11 THE NONCASH CONTRIBUTION REPORTED ON LINE 11 REFLECTS THE CONTRIBUTION MADE BY THE FINANCIAL INDUSTRY REGULATORY AUTHORITY IN THE FORM OF AN ASSIGNMENT OF INTEREST IN ONE OF FINRA'S LIMITED PARTNERSHIPS. FORM 990, PART I, LINE 6 SIX OF THE SEVEN MEMBERS OF THE BOARD OF DIRECTORS ARE CONSIDERED INDEPENDENT VOTING MEMBERS AND SERVE ON A VOLUNTEER BASIS. AS DISCLOSED IN LINES (1) AND (5) OF FORM 990, PART VII, SECTION 1A, TWO BOARD MEMBERS RECEIVE COMPENSATION FROM FINRA, THE FOUNDATION'S PARENT. ONE BOARD MEMBER RECEIVES COMPENSATION AS AN OFFICER OF FINRA AND IS NEITHER CONSIDERED INDEPENDENT NOR COUNTED AS A VOLUNTEER. THE OTHER BOARD MEMBER IS COMPENSATED FOR HIS WORK AS A MEMBER OF THE BOARD OF FINRA AND IS CONSIDERED INDEPENDENT AND COUNTED AS A VOLUNTEER. THE BOARD OF DIRECTORS IS RESPONSIBLE FOR APPROVING GRANTS AND PROJECTS. FORM 990,PART III, LINE 4 4A) EXPAND GRASSROOTS CAPACITY FOR FINANCIAL EDUCATION THE FOUNDATION EXPANDS GRASSROOTS CAPACITY FOR FINANCIAL EDUCATION THROUGH A VARIETY OF INITIATIVES AT THE COMMUNITY LEVEL THAT PROVIDE UNDERSERVED AMERICANS WITH THE KNOWLEDGE, SKILLS AND TOOLS NECESSARY FOR FINANCIAL SUCCESS THROUGHOUT LIFE. FINANCIAL CAPABILITY @WORK FINANCIAL CAPABILITY @WORK IS ADMINISTERED JOINTLY BY THE FOUNDATION AND UNITED WAY WORLDWIDE TO HELP COMMUNITY-LEVEL PROVIDERS IMPLEMENT SUSTAINABLE WORKPLACE FINANCIAL CAPABILITY PROGRAMS. THROUGH GRANTS AND TRAINING, THE PROGRAM SUPPORTS EFFORTS TO PROVIDE LOW- AND MODERATE-INCOME WORKERS WITH ACCESS TO EFFECTIVE, UNBIASED FINANCIAL EDUCATION AND RELATED SUPPORT SERVICES. SMART INVESTING@YOUR LIBRARY SMART INVESTING@YOUR LIBRARY IS ADMINISTERED JOINTLY BY THE FOUNDATION AND THE AMERICAN LIBRARY ASSOCIATION. THROUGH GRANTS, EXHIBITS AND LIBRARIAN TRAINING, THIS PROGRAM SUPPORTS EFFORTS TO PROVIDE LIBRARY PATRONS WITH EFFECTIVE, UNBIASED FINANCIAL EDUCATION OPPORTUNITIES AND INFORMATION. TEEN FINANCIAL LITERACY PROJECT TEEN FINANCIAL LITERACY PROJECT ADDRESSED THE PERSONAL FINANCE TOPICS THAT ARE MOST IMPORTANT FOR TEENS TO UNDERSTAND AND USE IN EVERYDAY SITUATIONS AS THEY BEGIN TO ASSUME FINANCIAL RESPONSIBILITY IN THEIR LIVES. THIS PROJECT SUCCESSFULLY REACHED CONCLUSION IN 2015. EDUCATIONAL GRANTS EDUCATIONAL GRANTS SUPPORT INSTRUCTIONAL INTERVENTIONS TO IMPROVE THE FINANCIAL KNOWLEDGE, SKILLS AND BEHAVIORS OF TARGETED, HIGH-NEED AUDIENCES. INVESTOR ADVOCACY CLINIC GRANTS INVESTOR ADVOCACY CLINIC GRANTS SUPPORT LAW SCHOOL CLINICS OFFERING LEGAL ADVICE AND OTHER HELP FOR UNDERSERVED INVESTORS, THEREBY FILLING THE GAP IN LEGAL REPRESENTATION FOR INVESTORS WITH SMALL CLAIMS WHO DO NOT HAVE THE FINANCIAL RESOURCES TO OBTAIN LEGAL REPRESENTATION. 4B) PROTECT CONSUMERS FROM FINANCIAL FRAUD THE FOUNDATION'S GOAL TO PROTECT CONSUMERS FROM FINANCIAL FRAUD IS ACCOMPLISHED LARGELY THROUGH THE INVESTOR PROTECTION CAMPAIGN, WHICH AIMS TO EDUCATE INVESTORS AND INTERMEDIARIES TO REDUCE THE INCIDENCE OF INVESTMENT FRAUD. THROUGH RESEARCH, EDUCATION AND OUTREACH, THE PROGRAM INCREASES FRAUD PREVENTION AWARENESS, EMPOWERS CONSUMERS AND TRAINS LAW ENFORCEMENT AND OTHER ADVOCATES TO RECOGNIZE, PREVENT AND ASSIST VICTIMS OF FINANCIAL FRAUD. 4C) ENSURE MILITARY FINANCIAL READINESS THE FOUNDATION DELIVERS HIGH-QUALITY INFORMATION AND TOOLS TO MILITARY SERVICE MEMBERS AND THEIR FAMILIES AND COLLABORATES WITH THE DEPARTMENT OF DEFENSE ON ITS FINANCIAL READINESS CAMPAIGN. THE FOUNDATION INCREASES PERSONAL FINANCE EXPERTISE AND SERVICES IN MILITARY COMMUNITIES, IMPROVES THE CREDIT MANAGEMENET OF SERVICE MEMBERS AND THEIR SPOUSES AND PROVIDES OUTREACH SERVICES TO THE MILITARY COMMUNITY. 4D) BENCHMARK & TRACK AMERICANS' FINANCIAL CAPABILITY THE FOUNDATION BENCHMARKS AND TRACKS AMERICANS' FINANCIAL CAPABILITY BY AWARDING RESEARCH GRANTS AND ADMINISTERING THE NATIONAL FINANCIAL CAPABILITY STUDY. RESEARCH GRANTS RESEARCH GRANTS SUPPORT EXPERIMENTS AND DATA ANALYSIS THAT FURTHER UNDERSTANDING OF THE RELATIONSHIPS AMONG FINANCIAL LITERACY, FINANCIAL CAPABILITY AND FINANCIAL WELL-BEING. NATIONAL FINANCIAL CAPABILITY STUDY THE NATIONAL FINANCIAL CAPABILITY STUDY IS DESIGNED TO BENCHMARK KEY INDICATORS OF FINANCIAL CAPABILITY AND EVALUATE HOW THESE INDICATORS VARY WITH UNDERLYING DEMOGRAPHIC, BEHAVIORAL, ATTITUDINAL AND FINANCIAL LITERACY CHARACTERISTICS. THE STUDY IS CONDUCTED IN COLLABORATION WITH A VARIETY OF STAKEHOLDERS INCLUDING THE U.S. DEPARTMENT OF TREASURY, CONSUMER FINANCIAL PROTECTION BUREAU AND OTHER AGENCIES. FORM 990, PART VI, LINE 1A PURSUANT TO THE FINRA INVESTOR EDUCATION FOUNDATION'S BY-LAWS, THE CORPORATION SHALL HAVE A COMMITTEE OF THE BOARD OF DIRECTORS (THE "FUNDING REQUEST COMMITTEE") WHICH SHALL AT ALL TIMES CONSIST OF ONE NON-PUBLIC DIRECTOR AND ONE PUBLIC DIRECTOR, AND SHALL HAVE THE POWER AND AUTHORITY OF THE BOARD OF DIRECTORS TO REVIEW, EVALUATE, AND APPROVE REQUESTS FOR FUNDING IN AN AMOUNT GREATER THAN TEN THOUSAND DOLLARS ($10,000) BUT LESS THAN ONE HUNDRED THOUSAND DOLLARS ($100,000). APPROVAL OF GRANT PROPOSALS AND REQUESTS FOR FUNDING IN AN AMOUNT EQUAL TO OR GREATER THAN ONE HUNDRED THOUSAND DOLLARS ($100,000) BUT LESS THAN TWO HUNDRED FIFTY THOUSAND DOLLARS ($250,000) MAY BE APPROVED BY A SUB-SET OF MEMBERS OF THE BOARD OF DIRECTORS CONSISTING OF A MAJORITY OF THE NON-PUBLIC DIRECTORS AND A MAJORITY OF THE PUBLIC DIRECTORS, PROVIDED THAT THE FULL BOARD OF DIRECTORS MAY, AT ITS ELECTION, REVIEW ANY FUNDING REQUESTS. ALL REQUESTS EQUAL TO OR GREATER THAN TWO HUNDRED FIFTY THOUSAND DOLLARS ($250,000) ARE APPROVED BY THE BOARD OF DIRECTORS. CHANGES TO THIS POLICY WERE APPROVED BY THE BOARD DURING THEIR MEETING ON DECEMBER 16, 2015 (DESCRIBED ON SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 4). FORM 990, PART VI, LINES 6, 7A AND 7B LINE 6 - THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. (FINRA) IS THE SOLE MEMBER OF THE FOUNDATION. LINE 7A - FINRA, AS SOLE MEMBER, ELECTS ALL MEMBERS OF THE GOVERNING BODY. LINE 7B - THE BYLAWS OF THE CORPORATION MAY BE ADOPTED, AMENDED OR REPEALED BY A MAJORITY VOTE OF THE DIRECTORS IN OFFICE; PROVIDED, THAT ANY AMENDMENT TO THE SECTIONS OF THE BYLAWS GOVERNING THE NUMBER OF DIRECTORS, THE ELECTION OF DIRECTORS, VACANCIES OR REMOVAL OF DIRECTORS REQUIRES THE APPROVAL OF THE MEMBER, FINRA. THE CERTIFICATE OF INCORPORATION OF THE CORPORATION MAY BE AMENDED OR REPEALED IN WHOLE OR IN PART ONLY WITH THE AFFIRMATIVE APPROVAL OF THE MEMBER, FINRA. FORM 990, PART VI, LINE 11B THE FORM 990 WAS REVIEWED BY SENIOR MANAGEMENT AT VARIOUS STEPS THROUGHOUT THE PREPARATION CYCLE. THE FOUNDATION BOARD REVIEWED THE FINAL VERSION ON SEPTEMBER 27, 2016. FORM 990, PART VI EMPLOYMENT RULES AND POLICIES THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA. THE FOUNDATION DOES NOT PAY FOR THEIR SERVICES. AS SUCH, THOSE INDIVIDUALS ARE SUBJECT TO THE EMPLOYMENT RULES AND POLICIES OF FINRA. FORM 990, PART VI, LINE 12C THE FINRA INVESTOR EDUCATION FOUNDATION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT GOVERNS THE PROFESSIONAL AND ETHICAL CONDUCT OF BOARD MEMBERS, OFFICERS AND STAFF. AMONG OTHER THINGS, MEMBERS, OFFICERS, AND STAFF ARE PROHIBITED FROM DERIVING ANY PERSONAL PROFIT OR GAIN, DIRECTLY OR INDIRECTLY, BY REASON OF THEIR SERVICE TO THE FOUNDATION. MOREOVER, THE POLICY EXPRESSLY PROHIBITS SELF-DEALING. THE WRITTEN CONFLICT OF INTEREST POLICY REQUIRES BOARD MEMBERS AND OFFICERS TO MAKE INITIAL DISCLOSURE OF INTERESTS THAT COULD GIVE RISE TO CONFLICTS AS WELL AS ANNUAL DISCLOSURE BY THE SAME BOARD MEMBERS AND OFFICERS. ADDITIONALLY, THE WRITTEN POLICY CONTAINS AN ONGOING OBLIGATION OF BOARD MEMBERS, OFFICERS AND STAFF TO DISCLOSE POTENTIAL CONFLICTS OF INTEREST AS THEY ARISE. THE ORGANIZATION'S OFFICERS AND STAFF ARE EMPLOYEES OF FINRA, AND, AS SUCH, ARE ALSO REQUIRED TO CERTIFY ANNUALLY AS TO THEIR COMPLIANCE WITH FINRA'S WRITTEN CONFLICT OF INTEREST POLICY. FOR FURTHER INFORMATION REGARDING FINRA'S WRITTEN CONFLICT OF INTEREST POLICY, PLEASE REFER TO THE 2015 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FORM 990, PART VI, LINES 15A AND 15B THE FOUNDATION DOES NOT HAVE ANY EMPLOYEES. ALL SERVICES ARE PROVIDED BY EMPLOYEES OF FINRA. THE FOUNDATION DOES NOT COMPENSATE THESE EMPLOYEES OF FINRA FOR THEIR SERVICE. THE PRESIDENT OF THE FOUNDATION SERVES AS THE LEAD OFFICER DIRECTING THE ACTIVITIES OF THE ORGANIZATION. IN DETERMINING SPECIFIC SALARY AND INCENTIVE COMPENSATION LEVELS FOR OFFICERS AND KEY EMPLOYEES OF FINRA, FINRA MANAGEMENT AND THE MANAGEMENT COMPENSATION COMMITTEE (THE "COMMITTEE") OF THE FINRA BOARD OF GOVERNORS CONSIDER: 1) OPERATONAL RESULTS 2) STRATEGIC INITIATIVES 3) FINANCIAL HEALTH/RESULTS 4) INDIVIDUAL PERFORMANCE 5) COMPETITIVE COMPENSATION LEVELS AS PREPARED BY MERCER, INC., A THIRD-PARTY COMPENSATION CONSULTANT. THE COMMITTEE'S MINUTES OF THE JANUARY 29, 2015 AND FEBRUARY 11, 2015 MEETINGS WERE REVIEWED AND APPROVED AS ACCURATE AND COMPLETE FOLLOWING THE COMMITTEE'S APPROVAL OF THE SENIOR EXECUTIVE COMPENSATION PACKAGES. THE FULL BOARD FURTHER APPROVED THE 2014 INCENTIVE COMPENSATION OF THE CEO AT ITS MEETING ON FEBRUARY 11, 2015. ALL COMPENSATION COMMITTEE MEMBERS VOTED FOR THE PROPOSED LEVEL OF EXECUTIVE COMPENSATION. FOR FURTHER INFORMATION REGARDING THE COMPENSATION OF OFFICERS, PLEASE REFER TO THE 2015 RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX - FORM 990 FOR THE FOUNDATION'S PARENT ORGANIZATION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC. FORM 990, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE UPON REQUEST. FORM 990, PART VII, SECTION B GMMB, INC. - PROVIDED STRATEGIC COUNSEL, PUBLIC RELATIONS CONSULTING, EARNED MEDIA ASSISTANCE, AND CRITICAL STAFFING SUPPORT FOR PROJECT OUTREACH, IN ADDITION TO PLACING AND MANAGING PAID ADVERTISING CAMPAIGNS. HOUGHTON MIFFLIN - PROVIDED BROADCAST, PRINT, MARKETING AND WEB SERVICES IN SUPPORT OF THE TEEN FINANCIAL LITERACY INITIATIVE (KNOWN AS "GENERATION MONEY") ACTIVE IN MIDDLE AND HIGH SCHOOLS NATIONWIDE. FAIR ISAAC CORPORATION - OPERATES THE MYFICO CREDIT REPORT AND ANALYSIS TOOL AVAILABLE THROUGH THE MILITARY FINANCIAL READINESS PROJECT. BBB INSTITUTE FOR MARKETPLACE TRUST - PROVIDES NATIONAL AND COMMUNITY-LEVEL OUTREACH SUPPORT FOR THE INVESTOR PROTECTION CAMPAIGN AND MILITARY FINANCIAL READINESS PROJECT. APPLIED RESEARCH & CONSULTING - PROVIDES RESEARCH SERVICES FOR THE NATIONAL CAPABILITY STUDY. FORM 990, PART XI, LINE 9 OTHER CHANGES IN NET ASSETS OR FUND BALANCES PRIMARILY RELATE TO CONTRIBUTED SERVICES, INVESTMENT EXPENSES AND THE REVERSAL OF GRANT EXPENSES RELATING TO PRIOR PERIODS. SCHEDULE I, PART I GRANTS AND OTHER ASSISTANCE PURPOSE OF GRANT OR ASSISTANCE BOONE COUNTY PUBLIC LIBRARY, BURLINGTON, KY (61-0673886) SMART INVESTING@YOUR LIBRARY UNDER THE RUBRIC "EARN-SAVE-SPEND," BOONE COUNTY PUBLIC LIBRARY AND A LEADING SOCIAL SERVICES AGENCY IN THE COUNTY (THE BRIGHTON CENTER) WILL PROVIDE IN-DEPTH LEARNING EXPERIENCES FOR FAMILIES, EDUCATORS AND OLDER ADULTS (AGES 65+). THE PROJECT WILL CHALLENGE FAMILIES TO EVALUATE THEIR FINANCIAL HEALTH AND TAKE STEPS TO MAKE TANGIBLE IMPROVEMENTS. CHICAGO PUBLIC LIBRARY, CHICAGO, IL (36-3480353) SMART INVESTING@YOUR LIBRARY THE CHICAGO PUBLIC LIBRARY WILL COLLABORATE WITH THE CITYS OFFICE OF FINANCIAL INCLUSION TO IMPROVE ACCESS TO FINANCIAL EDUCATION AND ONLINE FINANCIAL SKILL-BUILDING FOR LOCAL COMMUNITIES IN NEED, ESPECIALLY UNBANKED RESIDENTS AND NEW IMMIGRANT POPULATIONS. AS A MAJOR COMPONENT OF THIS EFFORT, THE LIBRARY WILL TRAIN AND DEPUTIZE ITS CORPS OF "CYBERNAVIGATORS" TO PROVIDE ON-DEMAND ASSISTANCE TO LIBRARY PATRONS SEEKING ACCESS TO RELIABLE FINANCIAL INFORMATION. THE CYBERNAVIGATORS ARE AN EXISTING GROUP OF TECHNOLOGY EXPERTS PRESENT IN MOST OF THE LIBRARYS 80 LOCATIONS. THEY WORK DIRECTLY WITH PATRONS TO IMPROVE BASIC DIGITAL SKILLS AND EXPAND ACCESS TO DIGITAL INFORMATION. CLAYTON COUNTY LIBRARY SYSTEM, JONESBORO, GA (58-2516726) SMART INVESTING@YOUR LIBRARY CLAYTON COUNTY LIBRARY SYSTEM WILL PROVIDE FINANCIAL EDUCATION EXPERIENCES TAILORED TO THE NEEDS OF FOUR AUDIENCES-ENTREPRENEURS, FINANCIALLY DISENFRANCHISED FAMILIES, SENIOR CITIZENS AND YOUTH. THE PROJECT WILL ENHANCE THEIR PROSPECTS FOR SELF-SUFFICIENCY THROUGH FINANCIAL LITERACY TRAINING, PROVIDE THE FUNDAMENTALS FOR ECONOMIC DECISION-MAKING AND CONNECT THEM TO COMMUNITY RESOURCES. FOR ENTREPRENEURS, THE LIBRARY WILL JOIN FORCES WITH CLAYTON STATE UNIVERSITYS SMALL BUSINESS DEVELOPMENT CENTER AND THE COUNTYS ECONOMIC DEVELOPMENT DEPARTMENT TO DELIVER AN INVESTING 101 SERIES. FOR FINANCIALLY DISENFRANCHISED FAMILIES, THE LIBRARY WILL PARTNER WITH SOCIAL SERVICE AGENCIES AND FAITH-BASED ORGANIZATIONS TO PROVIDE MONEY MANAGEMENT GUIDANCE. FOR SENIOR CITIZENS, THE LIBRARY AND DEPARTMENT OF SENIOR SERVICES WILL PROVIDE SESSIONS AT SENIOR CENTERS ON ESTATE PLANNING, SAVVY INVESTING AND MANAGING RETIREMENT INCOME. FOR YOUTH, THE LIBRARY WILL WORK WITH 4-H, SCOUT GROUPS AND THE PARKS AND RECREATION DEPARTMENT TO INTEGRATE FINANCIAL LITERACY LESSONS INTO THE COUNTYS SUMMER READING PROGRAM. COLORADO LIBRARY CONSORTIUM, CENTENNIAL, CO (84-0691967) SMART INVESTING@YOUR LIBRARY THE COLORADO LIBRARY CONSORTIUM, THE ESTES VALLEY LIBRARY, AND THE COLORADO STATE LIBRARY WILL CONVENE A NETWORK OF SMALL AND MEDIUM-SIZE LIBRARIES TO HELP RESIDENTS SET FINANCIAL GOALS, ESTABLISH A PLAN FOR REACHING THESE GOALS, UNDERSTAND INVESTMENT CONCEPTS AND COMMON INVESTMENT TYPES, SAVE FOR RETIREMENT, AND MANAGE MONEY IN RETIREMENT. THIS WILL BE ACCOMPLISHED THROUGH TRAINING FOR LIBRARY STAFF AND DIRECT DELIVERY OF FINANCIAL CAPABILITY PROGRAMS AND SERVICES TO THE PUBLIC. CLARIFI (CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY) PHILADELPHIA, PA (23-1671903) FINANCIAL EDUCATION IN YOUR COMMUNITY CLARIFI WILL PARTNER WITH HOME CARE ASSOCIATES, A WORKER-OWNED HOME HEALTHCARE AGENCY, TO INTEGRATE FINANCIAL EDUCATION, COACHING AND RELATED SERVICES INTO EXISTING EMPLOYEE TRAINING AND STAFF SUPPORT SERVICES FOR LOWER-WAGE EMPLOYEES. SALT LAKE COUNTY LIBRARY SERVICES, WEST JORDAN, UT (87-0467902) SMART INVESTING@YOUR LIBRARY SALT LAKE COUNTY LIBRARY AND THE ENGLISH SKILLS LEARNING CENTER WILL COORDINATE BASIC FINANCIAL EDUCATION FOR RECENT REFUGEES AND IMMIGRANT FAMILIES WHO HAVE LOW INCOME AND LIMITED LITERACY SKILLS (EVEN IN THEIR OWN LANGUAGES). THE PROGRAM WILL INTEGRATE FINANCIAL INSTRUCTION INTO WELL ESTABLISHED SERVICES FOR THE TARGET AUDIENCE, AND WILL INCREASE PARTICIPANTS SKILLS RELATED TO THE U.S. BANKING SYSTEM, BUDGETING, CREDIT PRODUCTS AND FINANCIAL PLANNING. THE LOCAL REFUGEE AND IMMIGRANT POPULATION ARRIVES IN SALT LAKE COUNTY PRIMARILY FROM BURMA, IRAQ, BHUTAN, SOMALIA, ERITREA, AFGHANISTAN AND THE CONGO. THE PROJECT PARTNERS WILL HELP THESE COMMUNITIES: (1) MASTER THE VOCABULARY AND UNDERSTANDING TO CONDUCT BANKING TRANSACTIONS, CREATE A BUDGET, RECOGNIZE PREDATORY LENDING PRACTICES AND AVOID FRAUD; AND (2) COMPREHEND ASSET-BUILDING STRATEGIES AND PLAN FOR THE FUTURE. FULTON-MONTGOMERY COMMUNITY COLLEGE LIBRARY, JOHNSTOWN, NY (14-1584150) SMART INVESTING@YOUR LIBRARY EVANS LIBRARY AT FULTON-MONTGOMERY COMMUNITY COLLEGE WILL SERVE STUDENTS ENROLLED AT THE COLLEGE AND AT HIGH SCHOOLS IN THE MOHAWK VALLEY REGION OF UPSTATE NEW YORK WITH PROGRAMMING ABOUT COLLEGE FINANCING AND GENERAL FINANCIAL LITERACY. LEARNING WILL TAKE THE FORM OF WORKSHOPS, TUTORIALS AND WEB-BASED INSTRUCTION. FACULTY IN THE COLLEGES BUSINESS DIVISION AND STAFF FROM THE FINANCIAL AID OFFICE WILL PROVIDE OVERALL INSTRUCTIONAL LEADERSHIP FOR THE PROJECT. AMONG OTHER TOPICS, PROGRAMS WILL ADDRESS: BUDGETING; CREDIT CARD EDUCATION; THE IMPORTANCE OF BANKING RELATIONSHIPS; THE FINANCIAL AID PROCESS AND FAFSA FILING; MANAGING STUDENT LOAN DEBT; CHOICE OF COLLEGE MAJOR AND LIFETIME EARNING POTENTIAL; WISE USE OF THE FINANCIAL AID REFUND; FITTING COLLEGE COSTS INTO THE FAMILY BUDGET; AND BENEFITS AVAILABLE THROUGH THE GI BILL. EDWIN A. BEMIS PUBLIC LIBRARY, LITTLETON, CO (84-6043543) SMART INVESTING@YOUR LIBRARY THE LITTLETON IMMIGRANT RESOURCES CENTER, A DIVISION OF THE EDWIN A. BEMIS PUBLIC LIBRARY, WILL PROVIDE RECENT IMMIGRANT FAMILIES RESIDING IN THE SOUTH DENVER METROPOLITAN AREA WITH SUPPORT AND INSTRUCTION ON HOW TO MANAGE MONEY IN THEIR NEWLY ADOPTED COUNTRY. THE PROGRAM WILL COMBINE STRUCTURED FINANCIAL LITERACY CLASSES WITH INDIVIDUALIZED MENTORING. THE CLASSROOM MODULES WILL COVER BUDGETING 101, CREDIT FUNDAMENTALS AND UNDERSTANDING THE U.S. BANKING SYSTEM. LEARNING OPPORTUNITIES WILL BE INTEGRATED INTO THE LIBRARYS ESL FOR FINANCIAL SUCCESS PROGRAM AND OTHER CITIZENSHIP SERVICES. THE LIBRARY WILL UPDATE ITS TRADITIONAL ESL CURRICULUM TO FOCUS ON FINANCIAL TERMINOLOGY AND THE LANGUAGE CAPABILITIES NEEDED TO NAVIGATE FINANCIAL DECISIONS AND TRANSACTIONS. ALBUQUERQUE BERNALILLO COUNTY LIBRARY, ALBUQUERQUE, NM (23-7024173) SMART INVESTING@YOUR LIBRARY ALBUQUERQUE BERNALILLO COUNTY LIBRARY WILL COLLABORATE SCHOOLS AND A STATEWIDE, NONPROFIT SMALL BUSINESS DEVELOPMENT AND TRAINING ORGANIZATION TO DELIVER FINANCIAL EDUCATION FOR TEENS. LEARNING ACTIVITIES WILL TAKE PLACE AT LIBRARY LOCATIONS THROUGHOUT THE COUNTY AND SCHOOLS. PROGRAM MODULES WILL ADDRESS: MANAGING YOUR MONEY; PLANNING YOUR FUTURE; MAKING YOUR MONEY GROW; AND PROTECTING WHAT YOU HAVE. APPALACHIAN REGIONAL LIBRARY SYSTEM, WEST JEFFERSON, NC (53-1386281) SMART INVESTING@YOUR LIBRARY IN PARTNERSHIP WITH COMMUNITY AGENCIES AND EDUCATIONAL INSTITUTIONS, APPALACHIAN REGIONAL LIBRARY SYSTEM WILL PROVIDE FINANCIAL CAPABILITY PROGRAMMING FOR WOMEN ACROSS THREE GENERATIONS. FOR YOUNG ADULTS IN HIGH SCHOOL AND COLLEGE, PROGRAMMING WILL FOCUS ON FINANCING EDUCATIONAL COSTS, BASIC BUDGETING, SAVING FOR MAJOR PURCHASES AND AN INTRODUCTION TO INVESTING. FOR WOMEN IN MIDLIFE AND NEARING OR IN RETIREMENT, PROGRAMS WILL HELP PARTICIPANTS PREPARE FOR THEIR CHILDRENS EDUCATION EXPENSES, MANAGE HOUSEHOLD BUDGETS, RECOVER FROM FINANCIAL SETBACKS AND STICK TO A RETIREMENT SAVING AND INVESTING PLAN WHILE CARING FOR AGING PARENTS. ADDITIONAL SESSIONS FOR SENIORS WILL HELP PARTICIPANTS MANAGE RETIREMENT INCOME, AVOID FINANCIAL FRAUD AND UNDERSTAND ESTATE PLANNING. CHESTERFIELD COUNTY PUBLIC LIBRARY, CHESTERFIELD, VA (52-1245254) SMART INVESTING@YOUR LIBRARY CHESTERFIELD COUNTY PUBLIC LIBRARY WILL FOCUS ON THE INTERGENERATIONAL TRANSFER OF FINANCIAL LEARNING, WHILE IMPROVING PARTICIPANTS' FACILITY WITH THE MATHEMATICS OF MONEY. THE PROJECT WILL GIVE SPECIAL ATTENTION TO GRANDCHILDREN AND THE GRANDPARENTS WHO HAVE AN INFLUENTIAL OR PRIMARY ROLE IN RAISING THEM. THE LIBRARY-IN PARTNERSHIP WITH THE COUNTY OFFICE OF THE SENIOR ADVOCATE, THE FEDERAL RESERVE BANK OF RICHMOND AND THE CHESTERFIELD COUNTY PUBLIC SCHOOLS-WILL SEEK TO EQUIP THESE "GRANDFAMILIES" WITH FINANCIAL LITERACY SKILLS NECESSARY TO ADDRESS IMMEDIATE NEEDS AND LONGER-TERM WELLBEING. FOR THE BROADER COMMUNITY, THE LIBRARY AND ITS PARTNERS WILL DELIVER A SERIES OF MINI-WORKSHOPS ON: DEVELOPING A FINANCIAL PLAN AND SETTING GOALS; REDUCING DEBT; AVOIDING FRAUD AND IDENTITY THEFT; INVESTING FUNDAMENTALS; SAVING AND PAYING FOR COLLEGE; RETIREMENT PLANNING; AND MANAGING HEALTHCARE COSTS, AMONG OTHER TOPICS. HAWAII STATE PUBLIC LIBRARY SYSTEM, HONOLULU, HI (99-6003670) SMART INVESTING@YOUR LIBRARY THE HAWAII STATE PUBLIC LIBRARY SYSTEM WILL UNDERTAKE KEIKA TO KAPUNA (LITERALLY, CHILDREN TO GRANDPARENTS)- A MULTIGENERATIONAL FINANCIAL LITERACY INITIATIVE USING PERFORMANCE, COMPETITIONS, ONLINE ENGAGEMENT AND WORKSHOPS TO IMPROVE RESIDENTS FINANCIAL SKILLS. FOR STUDENTS IN GRADES K THROUGH 6, THE LIBRARY WILL PARTNER WITH THE NATIONAL THEATRE FOR CHILDREN TO DELIVER DR FORM 990, PART VI, LINE 4 BYLAW CHANGES DURING ITS DECEMBER 16, 2015 MEETING, THE FOUNDATION BOARD APPROVED CHANGES TO THE FOUNDATION'S CERTIFICATE OF INCORPORATION TO: (A) VEST THE SOLE MEMBER WITH THE AUTHORITY TO AMEND THE BYLAWS (DESCRIBED ON FORM 990, SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 7B); (B) REMOVE THE MULTI-TIERED FUNDING APPROVAL STRUCTURE (DESCRIBED ON FORM 990, SCHEDULE 0, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 1A); (C) CLARIFY PROVISIONS RELATING TO TERM LIMITS; AND (D) UPDATE THE REGISTERED AGENT. THE SOLE MEMBER, FINRA, SUBSEQUENTLY AMENDED THE FOUNDATION'S BYLAWS TO: (1) UPDATE DEFINITIONS OF PUBLIC AND NON-PUBLIC DIRECTORS; (2) RESTATE THE COMPOSITION AND CLASSES OF BOARD MEMBERSHIP; (3) ELIMINATE THE APPROVAL PROCESS FOR CERTAIN FUNDING REQUESTS OF $25,000 OR LESS (DESCRIBED ON FORM 990, SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 1A); AND (4) STATE THAT THE AUTHORITY TO AMEND THE BYLAWS (DESCRIBED ON FORM 990, SCHEDULE O, PAGE 2, WITH REFERENCE TO FORM 990, PART VI, LINE 7B) IS VESTED WITH THE SOLE MEMBER. FINANCIAL IND REGULATORY AUTHORITY INC 1735 K STREET NW WASHINGTON DC 20006 530088710 REGULATORY DE 501(C)(6) N/A NA false FINRA REGULATION INC 1735 K STREET NW WASHINGTON DC 20006 521959501 REGULATORY DE 501(C)(6) N/A FINRA false FINRA DISPUTE RESOLUTION INC 1735 K STREET NW WASHINGTON DC 20006 522187577 ARBITRATION DE 501(C)(6) N/A FINRA false false false true false false false false false false false false false true true true false false true