2016-02-10T18:38:26-06:00 2015-03-31 264677183 DZH PHILLIPS LLP 1330 BROADWAY SUITE 630 OAKLAND CA 94612 990 2014-04-01 237172908 SAN FRANCISCO CONSUMER ACTION SANF 4157779648 1170 MARKET STREET NO 500 SAN FRANCISCO CA 94102 KEN MCELDOWNEY SEC/EXEC DIR 4157779635 2016-02-10 1 HYDEH GHAFFARI P01228587 5108346542 2014 2016-04-25 22:37:26Z X CONSUMER ACTION KEN MCELDOWNEY 1170 MARKET STREET NO 500 SAN FRANCISCO CA 94102 5537912 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. 8 8 27 9 0 0 2904969 5491836 3984 2545 33731 43531 208 0 2942892 5537912 17500 0 0 0 2107762 2194371 0 49500 157687 898166 789792 3023428 3033663 -80536 2504249 7681830 10213650 296481 324052 7385349 9889598 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 389999 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. 361198 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. 231662 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. 193914 IP TRANSITION 180270 NATIONAL CONFERENCE 161288 HOUSING PROJECT 143136 VETERANS EUCATION 137346 PHONE CY PRES 100000 ROSE GRANT 78091 CHECKING CY PRES 72340 OTHER SMALL PROGRAMS 45177 ONLINE BANKING 43143 DEBT COLLECTION 43074 AUTO INSURANCE 41171 BANKING CY PRES 33370 DNT PROJECT 1272320 2255179 1 1 0 1 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 1 1 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 8 0 1 27 1 0 0 0 0 0 0 0 0 0 0 X 8 8 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 221 MAIN STREET SUITE 480 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 KEN MCELDOWNEY SECRETARY & E.D. 35.00 X 203298 0 26540 KATHY LI DIRECTOR, SAN FRANCISCO OF 35.00 X 145633 0 16413 LINDA SHERRY DIRECTOR,NATIONAL PRIORITI 35.00 X 140450 0 7024 489381 0 49977 3 0 1 0 0 3217 250075 5238544 5491836 CONTRACT INCOME 2545 2545 2545 43531 43531 0 250075 0 0 5537912 2545 0 43531 249054 190030 26230 32794 1581715 1210073 334011 37631 77173 59330 16018 1825 150806 119716 26453 4637 135623 104701 25660 5262 28614 28614 49500 49500 18710 11415 6377 918 150852 99607 47199 4046 104283 88904 12256 3123 247603 189606 49002 8995 54791 43441 2394 8956 139160 138356 804 4185 4185 15830 15830 DUES, FEES AND MISC. 25764 25764 3033663 2255179 620797 157687 225924 39963 7355205 9856456 40000 150000 33665 25609 95751 37432 12122 58319 14914 83303 7681830 10213650 296481 287630 36422 296481 324052 X 835257 736989 6550092 9152609 7385349 9889598 7681830 10213650 2504249 0 X X 0 1 X 1 0 X 4775882 3144055 2440806 2904969 5491836 18757548 4775882 3144055 2440806 2904969 5491836 18757548 9219042 9538506 70065 57130 49158 33731 43531 253615 208 208 19011371 6529 0.50170 0.52980 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: MISCELLANEOUS RECEIPTS - 2013 AMOUNT: $ 208. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 0 1 5352 1 30 0 1 634 1 30 0 6046 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 ADVOCATED POSITIONS ON THE FOLLOWING LEGISLATIVE ISSUES IN CONGRESS: HR 185: REGULATORY ACCOUNTABILITY ACT OF 2015 (OPPOSE) HR 347 FACILITATING ACCESS TO CREDIT (OPPOSE) HR: 427: REGULATIONS FROM THE EXECUTIVE IN NEED OF SCRUTINY ACT (OPPOSE) HR 650: PRESERVING ACCESS TO MANUFACTURED HOUSING ACT OF 2015 (OPPOSE) HR 1090: RETAIL INVESTOR PROTECTION ACT (OPPOSE) HR 1195: BUREAU OF CONSUMER FINANCIAL PROTECTION ADVISORY BOARDS ACT (OPPOSE) HR 1434: BANK ON STUDENTS EMERGENCY LOAN REFINANCING (SUPPORT) HR 1484: FINANCIAL REGULATORY IMPROVEMENT ACT (OPPOSE) S 793: BANK ON STUDENTS EMERGENCY LOAN REFINANCING (SUPPORT) S 161: PAYING A FAIR SHARE ACT OF 2015 (SUPPORT) S 448: ENERGY PETROLEUM SUPPLY AND PRICING (SUPPORT) S 1158: THE CONSUMER PRIVACY PROTECTION ACT (SUPPORT) CONSUMER ACTION ADVOCATED LEGISLATIVE POSITIONS ON THE FOLLOWING ISSUES IN THE CALIFORNIA LEGISLATURE: SB 178: PROTECT CALIFORNIANS FROM WARRANTLESS SEARCHES OF DIGITAL INFORMATION (SUPPORT) AB 493 PROTECT CONSUMERS FROM DECEPTIVE HOME WARRANTIES (SUPPORT) 95751 37432 58319 58319 5537912 0 5537912 0 5537912 3033663 0 3033663 0 3033663 X X X X X X 1 CAROLE BERKE 7412 OAK LANE CHEVY CHASE MD 20815 FUNDRAISING CONSULTING 0 250075 49500 200575 250075 49500 200575 CA 43RD ANNIVERSARY FUNDRAISER 250075 250075 250075 250075 0 0 0 0 0 0 0 0 0 KEN MCELDOWNEY SECRETARY & E.D. 197900 0 5398 0 0 0 11048 0 15492 0 229838 0 0 0 KATHY LI DIRECTOR, SAN FRANCISCO OF 142045 0 3588 0 0 0 7175 0 9238 0 162046 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.