2026-08-17T14:46:43-05:00 2025-09-30 520982413 GROSS MENDELSOHN & ASSOCIATES PA 12150 MONUMENT DRIVE SUITE 800 FAIRFAX VA 22033 990 2024-10-01 530112431 THE CONSUMER BANKERS ASSOCIATION CONS 2025526378 1225 NEW YORK AVE NW 1100 WASHINGTON DC 20005 LINDSEY JOHNSON PRESIDENT AND CEO 2025526378 2026-08-17 1 0 LISA JOHNSON P01250416 7035917200 2026-08-15 2024 2025-03-06 01:10:19Z LINDSEY JOHNSON 1225 NEW YORK AVE NW 1100 WASHINGTON DC 20005 33111081 0 X WWW.CONSUMERBANKERS.COM X 1919 DC THE CONSUMER BANKERS ASSOCIATION PARTNERS WITH THE NATION'S LEADING RETAIL BANKS TO PROMOTE SOUND POLICY, PREPARE THE NEXT GENERATION OF DIVERSE BANKERS TO LEAD THE INDUSTRY, AND FINANCE THE DREAMS OF CONSUMERS AND SMALL BUSINESSES. 28 28 38 0 0 5168 0 0 19368865 22754281 715572 997045 163154 6698 20247591 23758024 0 0 0 0 10580355 10962024 0 0 0 8260438 10251358 18840793 21213382 1406798 2544642 25273905 28107391 16079316 16619277 9194589 11488114 X THE CONSUMER BANKERS ASSOCIATION PARTNERS WITH THE NATION'S LEADING RETAIL BANKS TO PROMOTE SOUND POLICY, PREPARE THE NEXT GENERATION OF DIVERSE BANKERS TO LEAD THE INDUSTRY, AND FINANCE THE DREAMS OF CONSUMERS AND SMALL BUSINESSES. 0 0 4029794 6272807 CONFERENCES, WORKSHOPS AND WEBINARS: WEBINARS OFFER AN EFFICIENT AND ECONOMICAL WAY FOR MEMBERS TO STAY UP-TO-DATE WITH BUSINESS ISSUES AND REGULATORY CHANGES. THE ANNUAL CONFERENCE AND WORKSHOP OFFERS MORE THAN 90 HOURS OF PROGRAMMING, FEATURING MORE THAN 200 SPEAKERS. THE WEBINARS AND CONFERENCE PRESENTATION ARE PRESENTED BY INDUSTRY EXPERTS, EXECUTIVE LEVEL BANKERS, AND SENIOR REGULATORY REPRESENTATIVES WHO SHARE THEIR PERSPECTIVES AND INSIGHTS ON THE ISSUES, OPPORTUNITIES AND CHANGES IN THE INDUSTRY 3851141 GOVERNMENT RELATIONS: CBA'S GOVERNMENT RELATIONS TEAM IS THE VOICE OF ITS MEMBERSHIP IN THE NATION'S CAPITAL ON RETAIL FINANCIAL SERVICES ISSUES - BOTH LEGISLATIVE AND REGULATORY. THROUGH MEETINGS, COMMENT LETTERS, CONGRESSIONAL TESTIMONY AND ISSUE BRIEFINGS, THE TEAM EDUCATES POLICYMAKERS, PROMOTES THE RETAIL BANKING INDUSTRY, AND WORKS WITH CONGRESS ON LEGISLATION TO BEST SERVE THE NEEDS OF CONSUMERS AND SMALL BUSINESSES NATIONWIDE. 3537000 3547500 LEGISLATIVE CONSULTING: CBA'S LEGISLATIVE DEPARTMENT ADVOCATES ON BEHALF OF OUR MEMBER BANKS TO CONGRESS ON CONSUMER FINANCIAL MATTERS. WE ENGAGE PRIMARILY WITH HOUSE FINANCIAL SERVICES COMMITTEE AND SENATE BANKING COMMITTEE MEMBERS AND STAFF ON LEGISLATION, COMMITTEE HEARINGS, AND ENGAGEMENT WITH BANK REGULATORY AGENCIES. WE ALSO HELP OUR MEMBERS NAVIGATE THE LEGISLATIVE LANDSCAPE BY KEEPING THEM UPDATED ON A VARIETY OF BILLS THAT ARE BEING CONSIDERED IN CONGRESS. WE SEEK TO ADVANCE LEGISLATIVE PROPOSALS THAT ARE HELPFUL TO OUR MEMBERS AND OPPOSE PROPOSALS THAT ARE HARMFUL TO THEM. 238500 238500 EDUCATION FUNDING ASSESSMENT: FUNDAMENTAL CHANGES IN THE STUDENT LOAN MARKETPLACE RESULTED FROM RECENT LEGISLATION ELIMINATING PRIVATE SECTOR LENDERS FROM FEDERAL STUDENT LOANS AND IMPOSING NEW REGULATIONS ON ALL OTHER FORMS OF EDUCATION FINANCING. CBA'S EDUCATION FUNDING COMMITTEE MONITORS ACTIONS AT THE CFPB AND WORKS WITH THE BUREAU - WHICH IS VERY ENGAGED IN PRIVATE STUDENT LENDING AND RELATED ISSUES. REPRESENTING MAJOR STUDENT LENDERS, THE EDUCATION FUNDING COMMITTEE IS THE PUBLIC POLICY VOICE FOR PRIVATE-SECTOR PROVIDERS OF LOANS TO STUDENTS AND FAMILIES FOR HIGHER EDUCATION. 1386883 PUBLIC AFFAIRS: CBA'S COMMUNICATIONS OFFICE WORKS TO PROMOTE THE RETAIL BANKING INDUSTRY AND ITS ROLE IN ADVANCING THE ECONOMY AND FULFILLING THE DREAMS AND ASPIRATIONS OF CONSUMERS AND SMALL BUSINESSES IN THE MEDIA. IT EFFECTIVELY COMMUNICATES TO OUR MEMBERSHIP INFORMATION, ANALYSIS, AND INSIGHT AS THINGS DEVELOP. IN ADDITION, THEY ENGAGE POLICYMAKERS AND THOUGHT LEADERS VIA SOCIAL MEDIA. 937514 8299542 MEMBER SERVICES: CBA'S CORPORATE MEMBERSHIP OFFICE WORKS TO DEEPEN THE PARTICIPATION OF CBA'S MEMBERS, THROUGH THE COMMITTEES, WORKING GROUPS, EVENTS, BRIEFINGS AND EXECUTIVE BANKING SCHOOL. THE ASSOCIATE MEMBERSHIP TEAM WORKS WITH THE INDUSTRY'S PREMIER SUPPLIERS AND PROVIDERS OF GOODS AND SERVICES TO THE RETAIL BANKING INDUSTRY. 2328356 837500 COMMITTEE AND WORKING GROUPS: CBA IS A MEMBER DRIVEN ORGANIZATION. CBA'S 11 STANDING COMMITTEES AND SEVERAL WORKING GROUPS INCLUDE THE TOP EXECUTIVES FROM OUR MEMBER BANKS WITH EXPERTISE IN EACH SEGMENT OF RETAIL BANKING. OUR COMMITTEES GUIDE OUR MISSION AND SERVE AS THE FOUNDATION FOR EVERY CBA PROGRAM FROM ADVOCACY EFFORTS TO OUR ANNUAL CONFERENCE, CBA LIVE. IN THIS RAPIDLY CHANGING ENVIRONMENT, CBA STAYS UP TO SPEED ON THE TOP RETAIL BANKING ISSUES BY UPDATING THE PRIORITIES OF ITS COMMITTEES AND CREATING SUBCOMMITTEES AND WORKING GROUPS AS PARTICULAR ISSUES ARISE. 2470980 3565130 CBA ADVANCED EDUCATION: THE EXECUTIVE BANKING SCHOOL IS AN EXECUTIVE PROGRAM DESIGNED AND DELIVERED BY LEADING INDUSTRY PRACTITIONERS TO BUILD A DEEP KNOWLEDGE OF THE RETAIL BANKING BUSINESS AND TO SHARPEN SKILLS IN STRATEGIC DECISION MAKING. THE PROGRAM TEACHES CORE PRINCIPLES ASSOCIATED WITH THE EXECUTIVE RESPONSIBILITY OF RUNNING A SOUND AND SUCCESSFUL BANK OVER THE LONG TERM. THE CBA ONSITE EDUCATION BRINGS CBA'S ADVANCED EDUCATION PROGRAM TO THE RETAIL BANKS. CBA ONSITE EDUCATION TAKES PARTICIPANTS OUT OF THEIR SILOS, WHERE THEY WILL IMMEDIATELY APPLY LEARNING THROUGH SIMULATIONS AND CASE STUDIES, EXPANDING THEIR KNOWLEDGE AND UNDERSTANDING OF ORGANIZATIONAL OPERATION AND GROWTH POTENTIAL. 7362233 12940672 18780168 0 0 0 1 0 0 0 0 0 1 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 126 0 1 38 1 1 1 0 0 0 0 0 0 0 0 1 0 X 28 28 0 0 0 0 1 1 0 1 0 0 0 0 1 0 0 1 1 1 0 0 X DANNI LU SENIOR VICE PRESIDENT - FINANCE 2025526378 1225 NEW YORK AVE NW SUITE 1100 WASHINGTON DC 20005 QUINCY MILLER IMMEDIATE PAST CHAIR 1.00 X X 0 0 0 VICTOR ALEXANDER DIRECTOR 1.00 X 0 0 0 TODD BARNHART DIRECTOR 1.00 X 0 0 0 BRENDAN COUGHLIN CHAIR 1.00 X X 0 0 0 STEVE GOODMAN DIRECTOR 1.00 X 0 0 0 CASSANDRA MCKINNEY DIRECTOR 1.00 X 0 0 0 KATE R DANELLA DIRECTOR 1.00 X 0 0 0 MARIA TEDESCO CHAIR-ELECT 1.00 X X 0 0 0 CELIA KARAM DIRECTOR 1.00 X 0 0 0 BRANT STANDRIDGE DIRECTOR 1.00 X 0 0 0 MIKE DRURY DIRECTOR 1.00 X 0 0 0 ARIJIT ROY DIRECTOR 1.00 X 0 0 0 MATT BOSS DIRECTOR 1.00 X 0 0 0 JONATHAN AMBLER DIRECTOR 1.00 X 0 0 0 SHAWN NIEHAUS DIRECTOR 1.00 X 0 0 0 CHRISTINE CHANNELS DIRECTOR 1.00 X 0 0 0 CRAIG VALLORANO DIRECTOR 1.00 X 0 0 0 SHAUN MCDOUGALL DIRECTOR 1.00 X 0 0 0 ERNIE JOHANNSON DIRECTOR 1.00 X 0 0 0 PATRICK SMITH DIRECTOR 1.00 X 0 0 0 NITIN MHATRE DIRECTOR 1.00 X 0 0 0 MICHAEL MORAN DIRECTOR 1.00 X 0 0 0 ANDREW STUART DIRECTOR 1.00 X 0 0 0 PETER L SEFZIK DIRECTOR 1.00 X 0 0 0 MARY HINES DROESCH DIRECTOR 1.00 X 0 0 0 COURTNEY GENTLEMAN DIRECTOR 1.00 X 0 0 0 KATHERINE LUFT DIRECTOR 1.00 X 0 0 0 LINDSEY SACKNOFF DIRECTOR 1.00 X 0 0 0 LINDSEY JOHNSON PRESIDENT & CHIEF EXECUTIVE OFFICER 40.00 X 1706440 0 44678 DAVID POMMEREHN SENIOR VICE PRESIDENT & GENERAL COUNSEL 40.00 X 370649 0 36011 MICHELLE AUGHINBAUGH CHIEF ADMINISTRATIVE OFFICER/TREASURER 40.00 X 347878 0 45290 JEAN BUNTON EXECUTIVE VICE PRESIDENT & CHIEF OF STAFF 40.00 X 365510 0 25603 KELVIN CHEN SENIOR EXECUTIVE VICE PRES 40.00 X 755760 0 17940 THOMAS DENT SENIOR VICE PRESIDENT 40.00 X 294420 0 35567 KEVIN O'CONNOR SENIOR VICE PRESIDENT 40.00 X 355580 0 27366 SAMUEL WHITFIELD SENIOR VICE PRESIDENT 40.00 X 503110 0 40550 DANNI LU SENIOR VICE PRESIDENT 40.00 X 240192 0 31658 WILLIAM RIELLY SENIOR VICE PRESIDENT 40.00 X 252590 0 22065 5192129 0 326728 29 0 1 0 WILLIAMS & CONNOLLY LLP 680 MAINE AVENUE SW WASHINGTON DC 20024 LEGAL SERVICES 1765145 PENTA GROUP LLC 805 15TH STREET NW WASHINGTON DC 20005 CONSULTING 673418 FURMAN UNIVERSITY 3300 POINSETT HIGHWAY GREENVILLE SC 29613 CONFERENCE AND MEETINGS 377066 GRAVES SHOW PRODUCTIONS LLC 5500 HOUNDMASTER ROAD MIDLOTHIAN VA 23112 CONFERENCE AND MEETINGS 283505 AKERMAN LLP PO BOX 4906 ORLANDO FL 32802 LEGAL SERVICES 253568 5 MEMBERSHIPS 611710 8299542 8299542 CONFERENCES 611710 5786145 5786145 EXECUTIVE BANKING SCHOOL 611430 3565130 3565130 CONSULTING 541610 3547500 3547500 COMMITTEE AND WORKING GROUP 611710 837500 837500 718464 718464 22754281 574320 574320 9775782 9353057 422725 422725 422725 OTHER REVENUE 900099 6698 6698 6698 23758024 22760979 0 997045 X 4050385 3525428 524957 5700331 5364689 335642 159939 153468 6471 511825 489051 22774 539544 493479 46065 171207 156702 14505 77923 77923 16656 16656 53637 53637 4353363 4243404 109959 140574 90574 50000 991168 440390 550778 365524 140447 225077 1092005 886604 205401 1205442 1181485 23957 1601760 1597791 3969 -42464 -42464 208432 208432 16131 16131 21213382 18780168 2433214 0 1429082 2590128 8519657 10272854 130822 23490 587634 564024 2200346 1381682 975627 818664 7050821 7928664 1034373 1275997 35000 35000 5510889 4598570 25273905 28107391 3137233 2954764 5709954 7567249 7232129 6097264 16079316 16619277 X 9194589 11488114 9194589 11488114 25273905 28107391 2544642 -208653 -42464 0 X 0 1 X 1 0 0 0 1 8299542 5306691 4728495 10035186 4388271 5646915 -1735644 965983 381827 584156 534684 484933 49751 699679 514922 184757 818664 SECURITY DEPOSIT 79538 RIGHT OF USE OPERATING LEASE 4519032 4598570 SUBLEASE SECURITY DEPOSIT 29458 OPERATING LEASE LIABILITIES 6067806 6097264 X 23495735 -208652 -208652 23704387 53637 53637 23758024 21159745 0 21159745 53637 53637 21213382 PART X, LINE 2: THE ASSOCIATION IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES UNDER SECTION 501(C)(6) OF THE INTERNAL REVENUE CODE (IRC) EXCEPT ON ACTIVITIES UNRELATED TO ITS EXEMPT PURPOSE. INCOME THAT IS NOT RELATED TO EXEMPT PURPOSES, LESS APPLICABLE DEDUCTIONS, IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. 1 X X X X X X 0 0 0 LINDSEY JOHNSON PRESIDENT & CHIEF EXECUTIVE OFFICER 1082440 0 624000 0 0 0 36799 0 7879 0 1751118 0 0 0 KELVIN CHEN SENIOR EXECUTIVE VICE PRES 605760 0 150000 0 0 0 13782 0 4158 0 773700 0 0 0 SAMUEL WHITFIELD SENIOR VICE PRESIDENT 403110 0 100000 0 0 0 12265 0 28285 0 543660 0 0 0 DAVID POMMEREHN SENIOR VICE PRESIDENT & GENERAL COUN 310649 0 60000 0 0 0 12591 0 23420 0 406660 0 0 0 MICHELLE AUGHINBAUGH CHIEF ADMINISTRATIVE OFFICER/TREASUR 347878 0 0 0 0 0 13794 0 31496 0 393168 0 0 0 JEAN BUNTON EXECUTIVE VICE PRESIDENT & CHIEF OF 365510 0 0 0 0 0 13794 0 11809 0 391113 0 0 0 KEVIN O'CONNOR SENIOR VICE PRESIDENT 295580 0 60000 0 0 0 11400 0 15966 0 382946 0 0 0 THOMAS DENT SENIOR VICE PRESIDENT 245420 0 49000 0 0 0 10023 0 25544 0 329987 0 0 0 WILLIAM RIELLY SENIOR VICE PRESIDENT 207590 0 45000 0 0 0 8013 0 14052 0 274655 0 0 0 DANNI LU SENIOR VICE PRESIDENT 200192 0 40000 0 0 0 8130 0 23528 0 271850 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 CORPORATE MEMBERS - INCLUDES BANKS, BANK HOLDING COMPANIES, AND BANKS LIMITED INSURED BY AN AGENCY OF THE UNITED STATES OF AMERICA AND OR AN INSTITUTION'S PARENT DEFINED AS A FINANCIAL SERVICES HOLDING COMPANY. EACH COPORATE MEMBER SHALL DESIGNATE AN INDIVIDUAL AS DELEGATE TO THE ASSOCIATION AND EXERCISE THE CORPORATE MEMBER'S VOTE IN ASSOCIATION MATTERS AND BE ELIGIBLE FOR FULL ELECTION TO THE BOARD OF DIRECTORS OR OTHER OFFICES, COUNCILS OR COMMITTEES. ASSOCIATE MEMBERS CAN BE ANY INDIVIDUAL, PARTNERSHIP, OR CORPORATION THAT HAS A COMMONALITY OR INTEREST WITH CORPORATE MEMBERS IN GOVERNMENTAL OR EDUCATIONAL MATTERS OR CURRENT DEVELOPMENTS. DO NOT HAVE VOTING RIGHTS NOR CAN SERVE ON THE BOARD, BUT CAN SERVE ON COMMITTEES. FORM 990, PART VI, SECTION A, LINE 7A CORPORATE MEMBERS VOTE IN THE ASSOCIATION ON MATTERS AND BE ELIGIBLE FOR FULL ELECTION TO THE BOARD OF DIRECTORS OR OTHER OFFICES, COUNCILS, OR COMMITTEES. FORM 990, PART VI, SECTION A, LINE 8B ALL WRITTEN ACTIONS ARE UNDERTAKEN AND DOCUMENTED IN THE MEETING MINUTES OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B SENIOR MANAGEMENT REVIEWS THE FORM 990 PRIOR TO FILING, NO OTHER REVIEW WAS OR WILL BE CONDUCTED. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS DETERMINES THE CEO'S COMPENSATION PACKAGE. FORM 990, PART VI, SECTION C, LINE 19 NO OTHER DOCUMENTS AVAILABLE TO THE PUBLIC APART FROM FORM 990. FORM 990, PART IX, LINE 11G CONSULTING SERVICES: PROGRAM SERVICE EXPENSES 3,537,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 3,537,000. OTHER PROFESSIONAL FEES: PROGRAM SERVICE EXPENSES 706,404. MANAGEMENT AND GENERAL EXPENSES 109,959. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 816,363.