2015-02-03T18:21:46-06:00 2014-03-31 264677183 DZH PHILLIPS LLP 1330 BROADWAY SUITE 630 OAKLAND CA 94612 990 2013-04-01 237172908 SAN FRANCISCO CONSUMER ACTION SANF 4157779648 221 MAIN STREET NO 480 SAN FRANCISCO CA 94105 KEN MCELDOWNEY SEC/EXEC DIR 4157779635 2015-02-03 1 HYDEH GHAFFARI P01228587 5108346542 X 2013 2016-04-25 22:37:26Z CONSUMER ACTION KEN MCELDOWNEY 221 MAIN STREET SUITE 480 SAN FRANCISCO CA 94105 2942892 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. 7 7 26 8 0 0 3114640 2904969 0 3984 48448 33731 0 208 3163088 2942892 37500 17500 0 0 1964868 2107762 35000 0 145053 1056061 898166 3093429 3023428 69659 -80536 7581941 7681830 216056 296481 7365885 7385349 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 531959 17500 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. 308764 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. 208670 0 0 ONLINE BANKING PROJECT - THIS PROJECT RESEARCHED THE GROWING FIELD OF ONLINE PAYMENT MECHANISMS, AND THE THINGS THAT CONSUMERS NEED TO KNOW ABOUT THEM, ESPECIALLY SINCE CONSUMERS NOW HAVE MANY MORE OPTIONS FOR PAYING BILLS, EVEN WITHOUT LEAVING HOME. THE PROJECT PRODUCED BROCHURES ON MOBILE BANKING AND MOBILE PAYMENTS, BANKING ONLINE SAFELY, AND SAFETY AND PRIVACY IN ONLINE AND MOBILE TRANSACTIONS. CONSUMER ACTION ALSO HELD TRAININGS AROUND THE COUNTRY TO INTRODUCE THESE MATERIALS AND PROVIDE IMOPRTANT INFORMATION ABOUT THE SUBJECT TO THE STAFF OF COMMUNITY SERVICE AGENCIES. 164375 0 0 NATIONAL CONSUMER EMPOWERMENT CONFERENCE 122424 0 0 DO NOT TOUCH PROJECT 117289 0 0 ROSE FINANCIAL GRANT 105877 0 0 MEDICAL PRIVACY 104461 0 INSURANCE PROJECTS 74430 0 0 IP TRANSITION 61796 0 0 PRIVACY PROJECT 49164 0 HOUSING EDUCATION 31717 0 PAYROLL GUIDE 436563 0 ALL OTHER SMALL PROJECTS 1268096 2317489 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 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 7 0 1 26 1 0 0 0 0 0 1 1 0 0 0 0 X 7 7 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 0.00 X X 0 0 0 SUE HESTOR TREASURER 1.00 0.00 X X 0 0 0 FAITH BAUTISTA BOARD MEMBER 1.00 0.00 X 0 0 0 ANNA ALVAREZ BOYD BOARD MEMBER 1.00 0.00 X 0 0 0 PASTOR HERRERA JR BOARD MEMBER 1.00 0.00 X 0 0 0 BEN LAU BOARD MEMBER 1.00 0.00 X 0 0 0 DR IRENE LEECH BOARD MEMBER 1.00 0.00 X 0 0 0 CHRIS BJORKLUND UNTIL 33114 BOARD MEMBER 1.00 0.00 X 0 0 0 KEN MCELDOWNEY SECRETARY & E.D. 35.00 0.00 X 192179 0 26215 KATHY LI DIRECTOR, SAN FRANCISCO OFFICE 35.00 0.00 X 139017 0 15574 LINDA SHERRY DIRECTOR,NATIONAL PRIORITIES 35.00 0.00 X 133242 0 20631 464438 0 62420 3 0 1 0 0 3630 225925 2675414 2904969 CONTRACT INCOME 3984 3984 3984 33731 33731 0 225925 0 0 MISCELLANEOUS RECEIPTS 208 208 208 2942892 3984 0 33939 17500 17500 238246 190980 18195 29071 1506689 1156928 309958 39803 72552 55954 14673 1925 163439 128306 29843 5290 126836 99240 22839 4757 10225 10225 69992 24716 482 44794 211855 168330 39739 3786 91840 47328 44512 206732 171988 28359 6385 56548 45545 1761 9242 210774 210674 100 5571 5571 9308 9308 DUES, FEES AND MISC. 25321 25321 3023428 2317489 560886 145053 169151 225924 6332021 7355205 40000 1010800 56929 33665 62069 49947 13040 12122 0 14914 7581941 7681830 216056 296481 216056 296481 X 1017580 835257 6348305 6550092 7365885 7385349 7581941 7681830 X -80536 100000 X X 0 1 X 1 0 X 2383938 4775882 3144055 2440806 2904969 15649650 2383938 4775882 3144055 2440806 2904969 15649650 7183894 8465756 120009 70065 57130 49158 33731 330093 208 208 15979951 3984 0.52980 0.96580 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 1 500 1 1500 0 1 3007 0 0 5007 0 0 0 PART II-B, LINE 1: CONSUMER ACTION TAKES POSITIONS ON LEGISLATIVE ISSUES OF INTEREST TO CONSUMERS IN BOTH SACRAMENTO, CALIFORNIA AND WASHINGTON, DC. IT WORKS WITH COALITIONS OF OTHER PUBLIC INTEREST ORGANIZATIONS TO FIGHT FOR THE RIGHTS OF CONSUMERS AROUND THE NATION. 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. LEGISLATION LOBBIED ON BY CONSUMER ACTION DURING THE PAST YEAR INCLUDED: FEDERAL: HR 2543: END DISCRIMINATORY STATE TAXES FOR AUTO RENTERS ACT HR 5130: PROTECTING CONSUMERS FROM UNREASONABLE CREDIT RATES ACT HR 4714: CAMPUS DEBIT CARDS ACT S 2385: THE PROTECTING AID FOR STUDENTS ACT HR 4383: BUREAU OF CONSUMER FINANCIAL PROTECTION SMALL BUSINESS ADVISORY BOARD ACT HR 4262: BUREAU ADVISORY COMMISSION TRANSPARENCY ACT S 1282: 21ST CENTURY GLASS-STEAGALL ACT S 1903: PREPAID CARD DISCLOSURE ACT S 1187/HR 2783: MORTGAGE FORGIVENESS TAX RELIEF ACT S 2260: EXPIRING PROVISIONS IMPROVEMENT, REFORM AND EFFICIENCY ACT: S 2292: BANK ON STUDENTS EMERGENCY LOAN REFINANCING ACT CALIFORNIA: SB 1439: STOP ELLIS ACT ABUSES SB 1348: ONLINE DATA BROKERS: SALE OF PERSONAL INFORMATION DETAILS ABOUT CONSUMER ACTION'S POSITIONS ON LEGISLATION AND OTHER ISSUES CAN BE FOUND AT ITS WEB SITE: WWW.CONSUMER-ACTION.ORG 62069 49947 12122 12122 2942891 0 2942891 1 1 2942892 3023428 0 3023428 0 3023428 PART XI, LINE 4B - OTHER ADJUSTMENTS: SMALL ADJUSTMENT FOR BEGINNING BALANCE X X X X X X 1 CAROLE BERKE 7412 OAK LANE CHEVY CHASE MD 20815 FUNDRAISING CONSULTING 0 255925 44500 211425 255925 44500 211425 CA ANNIVERSARY FUNDRAISING CELEBRATION 225925 225925 225925 225925 1 PART I, LINE 2: THE OUTREACH STAFF OF CONSUMER ACTION IS RESPONSIBLE FOR MAKING SURE THAT THE COMMITMENTS SPECIFIED IN THE STIPEND AGREEMENTS ARE COMPLETED. PARTICIPATING AGENCIES AGREE TO REPORT ON THE WORK THEY ACCOMPLISHED, AS OUTLINED IN THE AGREEMENTS. THE PURPOSE OF THE GRANTS IS TO PROVIDE CONSUMER EDUCATION AROUND THE COUNTRY TO THE CLIENTS AND/OR MEMBERS OF THE GRANTEE AGENCIES, USING CONSUMER ACTION'S MONEYWISE FINANCIAL EDUCATION MATERIALS. THE CLIENTS OF THESE AGENCIES INCLUDE: AFRICAN AMERICAN VETERANS, WOMEN, PEOPLE WITH DISABILITIES, THE INCARCERATED, THE HOMELESS OR PEOPLE OF LIMITED MEANS; CAMBODIAN, LAOTIAN AND VIETNAMESE AMERICANS; OTHER ASIAN AMERICANS, PACIFIC ISLANDERS, NATIVE HAWAIIANS, REFUGEES AND IMMIGRANTS. AT THE CONCLUSION OF THE PROJECTS, CONSUMER ACTION STAFF REVIEW THE REPORTS OF THE AGENCIES TO DETERMINE WHETHER THE WORK ACCOMPLISHED MEETS THE GOALS OF THE AGREEMENTS. X 0 0 0 0 0 0 0 0 0 0 0 KEN MCELDOWNEY SECRETARY & E.D. 187050 0 5129 0 0 0 10495 0 15720 0 218394 0 0 0 KATHY LI DIRECTOR, SAN FRANCISCO OFFICE 135612 0 3405 0 0 0 6982 0 8592 0 154591 0 0 0 LINDA SHERRY DIRECTOR,NATIONAL PRIORITIES 129984 0 3258 0 0 0 6663 0 13968 0 153873 0 0 0 PART I, LINE 1A IN 2005 THE CONSUMER ACTION BOARD DIRECTED THE STAFF TO REIMBURSE LINDA SHERRY $225 PER MONTH FOR THE USE OF HER HOME AS THE DISTRICT OF COLUMBIA OFFICE FOR THE ORGANIZATION. THE BOARD CONCLUDED THAT REIMBURSING SHERRY FOR DEDICATING PART OF HER HOME AS AN OFFICE MADE MORE SENSE THAN OPENING A SEPARATE OFFICE FOR THE ORGANIZATION, AND PROVIDED SUBSTANTIAL FINANCIAL SAVINGS TO THE ORGANIZATION. SHERRY RECEIVES MAIL AT HER HOME AND CONDUCTS BUSINESS ON BEHALF OF THE ORGANIZATION FROM THAT LOCATION 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 B, LINE 15 THE BOARD REVIEWED A SURVEY OF OTHER BAY AREA NON-PROFIT SALARIES AND UPDATED COMPENSATION IN 2006. 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 XI, LINE 9: INCREASE FROM RECLASSIFICATION OF CONTRIBUTION TO PRIOR YEAR 100,000. FORM 990, PART XII, LINE 2B THE AUDIT COMMITTEE SELECTS AND OVERSEES AN INDEPENDENT ACCOUNTING FIRM TO CONDUCT THE AUDIT. NO CHANGE IN THE SELECTION METHOD OCCURRED THIS YEAR.