2023-10-24T14:43:36-04:00 2022-12-31 990 2022-01-01 743043913 Center for Responsible Lending CENT 302 West MAIN STREET Durham NC 277013227 Marcus Bowen Chief Operation 9199564400 2023-10-24 Marcus Bowen 0 00 AAL1 IAL1 2022 2023-04-26 12:10:37Z Michael Calhoun 4782304 false X www.responsiblelending.org X 2002 NC Protect economic opportunity for low-income & minority families & communities by conducting research & providing education & technical assistance regarding predatory lending & other abusive financial practices. 8 7 0 0 0 6151504 4653091 331707 45357 4789 71764 16480 12092 6504480 4782304 231942 234194 0 0 0 408447 6580001 6751328 6811943 6985522 -307463 -2203218 10481758 9921887 486051 2129398 9995707 7792489 Protect economic opportunity for low-income & minority families & communities by conducting research & providing education & technical assistance regarding predatory lending & other abusive financial practices. false false 3345435 234194 Technical Assistance: Provided legal analysis and market insights on racial disparities impacting federal student loan debt repayment, participated in the negotiated rulemaking process to develop new rules and proposals for federal student loan forgiveness and repayment models, assisted in the development of regulations and laws focused on ensuring meaningful consumer protections for small dollar lending products and continued to work with industry and regulators to develop policy definitions and proposals designed to reduce racial and socioeconomic disparities in home ownership. CRL also worked with industry participants to adopt meaningful overdraft and nonsufficient fund policy changes. Provided technical assistance to state-based community, policy and civil rights groups focused on state level consumer financial products. 1371059 Outreach/Communications: Provided policy analysis and outreach materials designed to inform national partners and regulators seeking to create lasting structural change in the systems, products, and policies that prevent all Americans from establishing and sustaining economic stability and security. As the nation continued its recovery from the effects of the COVID-19 pandemic, CRL raised the visibility of COVIDs impact on entrepreneurs of color and the different challenges they faced in securing access to Paycheck Protection Program loan forgiveness. CRL launched a new In Focus video series, designed to break down complex financial issues and make them easier to understand. In additon, CRL worked to increase state and federal regulators awareness of the growing market for early wage access and buy now, pay later credit products and their potential for predatory impact on underserved consumers. 1370795 Research Services: Conducted analysis for reports, comments, testimonies, and policy analysis projects. Reports described: high-cost installment loans with longer terms, supervised installment loans in Colorado containing add-on products, a loss mitigation option for the Federal Housing Administration, the impacts of federal student loan cancellation, student loan debt for alumni of Historically Black Colleges and Universities, student debt among women of color during COVID-19, and the impacts of bail bonds on a sample of San Francisco Bay area residents. Polling projects addressed views of likely voters regarding the financial industry and consumer protections, federal student loan borrowers about the impacts of their loans and the payment pause, and Rhode Island voters related to a 36% rate cap. 6087289 true true false true false false false false false false true false false true true true true false false false false false false false false false false true false true false false false false false false false false false false false false false true false false false true 22 0 true 0 false false false false false false false false false false false false X 8 7 false false false false false false false true true false false true true true true true true true true false AK AL CA FL GA HI IL KS KY MA MD MI MN MS NC NH NJ NM NY OR PA RI SC TN UT VA WI WV X Marcus Bowen 9199564400 301 West Main Street Durham NC 27701 X Ellen Harnick CRL EVP 0.00 40.00 X 0 127392 38780 Peter Smith Sr Researcher 0.00 40.00 X 0 132897 23035 Michael Calhoun President 0.00 40.00 X 0 123787 24586 Randy Chambers Treasurer 0.00 40.00 X 0 90352 42144 Nadine B Chabrier Senior Policy Counsel 0.00 40.00 X 0 109296 22161 Marcus Bowen Treasurer 0.00 40.00 X 0 91215 39201 Martin Eakes CEODirectorSecretary 0.00 40.00 X X 0 90354 34555 Eric J White Digital Communications Manage 0.00 40.00 X 0 100215 21569 Amy Domini Director 0.50 0.00 X 0 0 0 Wade Henderson Director 0.50 0.00 X 0 0 0 Sarah Ludwig Director 0.50 0.00 X 0 0 0 Lisa Rice Director 0.50 0.00 X 0 0 0 Mark Goldhaber Director 0.50 0.00 X 0 0 0 Nicolas Retsina Director 0.50 0.00 X 0 0 0 Ira Rheingold DirectorChair 0.50 0.00 X X 0 0 0 0 865508 246031 5 false true false WestFront Strategies LLC 1201 PA Ave NWSte 530 Wash DC 20004 Consulting Fee 120000 Spitfire StrategiesLLC 2300 N St NW-Ste 610 Wash DC 20037 Consulting Service 169721 2 4653091 4653091 Litigation 541100 45357 45357 45357 71764 71764 Other 561000 12092 12092 12092 4782304 57449 0 71764 234194 234194 21552 21552 10000 10000 328041 328041 514337 442862 38608 32867 86056 74097 6460 5499 46557 40087 3495 2975 568347 489366 42662 36319 180464 119902 56467 4095 31889 27457 2394 2038 19688 16952 1478 1258 3827 3295 287 245 Staff Reimb SHSC 56-1849615 4666727 4238113 141059 287555 273843 51371 186876 35596 6985522 6087289 489786 408447 9143593 6996273 1119070 700000 43051 3766 27881 54321 284684 252303 52069 32381 21094 17244 75000 2117902 10481758 9921887 486051 204201 1925197 486051 2129398 X 8783137 6498877 1212570 1293612 9995707 7792489 10481758 9921887 -2203218 0 X false true X true false X X 1 Ctr for Comm Self-Help 561271685 7 true 0 0 1 0 true false false false false false false false false false false false false false false true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED X 328041 331773 328041 331773 6657481 105441127 6985522 105772900 499276 1000000 124819 250000 1000000 1000000 1000000 1000000 4000000 6000000 371663 353380 355594 331773 1412410 250000 250000 250000 250000 1000000 1500000 6913 20809 27722 General Explanation Attachment Part II-A Line 2 Self-Help Ventures Fund, 301 W. Main Street, Durham, NC 27701, EIN 56-1562750, Direct Lobbying expense $0, Grassroots Lobbying expense $ 0. Part II-A Line 2 Community Development Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1975829, Direct Lobbying expense $0, Grassroots Lobbying expense $0. Part II-A Line 2 Self-Help Services Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1849615, Direct Lobbying expense $0, Grassroots Lobbying expense $0. Part II-A Line 2 Self-Help Assistance Corporation, 301 W. Main Street, Durham, NC 27701,EIN 56-1923620, Direct Lobbying expense $0, Grassroots Lobbying expense $0. Part II-A Line 2 Center for Community Self-Help, 301 W. Main Street, Durham, NC 27701,EIN 56-1271685, Direct Lobbying expense $3731, Grassroots Lobbying expense $0. Part II-A Line 2 of these group members, Center for Community Self-Help and the filing organization, Center for Responsible Lending made the election under section 501 (H). 21665 21665 217312 184931 32381 45707 45707 32381 Payroll Deposit SHSC 205000 Operating right of use asset net 1912902 2117902 Operating lease liability 1925197 1925197 X 4782304 4782304 4782304 6985522 6985522 6985522 Footnote for uncertain tax position under FIN 48 (Part X) CRL has determined that all tax positions taken for the current year ended December 31, 2022 and all years open under the statute of limitations are highlycertain. Therefore, CRL has determined that no unrecognized tax liability exists. true Center for Public Justice 1305 Leslie Ave Alexandria VA 22301 510153566 501c3 10000 Assistance to combat predatory lending National Baptist Convention USA 1214 S Robertson St New Orleans LA 70113 311127123 501c3 10000 Assistance to combat predatory lending Cooperative Baptist Fellowship 160 Clairemont Ave Ste 500 Decatur GA 30030 581960860 501c3 12000 Assistance to combat predatory lending Faith in Action Network 1616 P St NW Ste 300 Washington DC 20036 942206497 501c3 7000 Assistance to combat predatory lending National CAPACD 1825 San Pablo Ave Ste 2 Oakland CA 94612 912121566 501c3 10000 Assistance to combat predatory lending Common Services Corp of the United 700 Prospect Ave Cleveland OH 44115 341927045 501c3 6000 Assistance to combat predatory lending CommEconomic Develop Asso Michigan 1118 S Washington St Lansing MI 48911 383445097 501c3 15000 Assistance to combat predatory lending Louisana Budget Project 619 Jefferson Highway Ste 1D Baton Rouge LA 70805 463872778 501c3 10000 Assistance to combat predatory lending New Jersey Citizen Action Education 75 Raritan Avenue Ste 200 Highland Park NJ 08904 222493628 501c3 20000 Assistance to combat predatory lending Indiana Community Action Associatio 1845 W 18th Street Indianapolis IN 46202 351267319 501c3 15000 Assistance to combat predatory lending Economic Progress Institute 600 Mt Pleasant Avenue Providence RI 02908 320295517 501c3 20000 Assistance to combat predatory lending Maine Center for Economic Policy PO Box 437 Augusta ME 04332 223317572 501c3 10000 Assistance to combat predatory lending So Carolina Appleseed Legal Justice 1518 Washington Street Columbia SC 29201 571035023 501c3 10000 Assistance to combat predatory lending Center for Economic Integrity 509 E Radburn Street Tucson AZ 85702 260026603 501c3 25000 Assistance to combat predatory lending Michigan Advocacy Program 15 S Washington Ypsilanti MI 48197 381845444 501c3 10000 Assistance to combat predatory lending Monitoring procedures (Part I, line 2) Part 1, Line 2: The organization makes grants only under very limited circumstances where it maintains the manner in which grant funds are expended or contracts with an ally organization that supervises the funds. Grantees are required to provide documentation demonstrating that funds have been expended consistent with the purposes of the grant agreements. If grant funds are not expended or used by grantees in accordance with grant terms, funds may be returned to Center for Responsible Lending and recorded as a reduction of current period grant funds. false false false false false false false false false Ellen Harnick CRL EVP 127392 10473 28307 166172 Peter Smith Sr Researcher 132897 12049 10986 155932 Form 990 governing body review Part VI line 11 The Form 990 is prepared by staff accountants. The Chief Financial Officer, the Controller, and in-house counsel review multiple drafts and verify all answers before the form is provided to the Chief Executive Officer and board of directors for further review and comment prior to submission. Conflict of interest policy compliance Part VI line 12c The organizations Conflict of Interest Policy covers its officers, directors or trustees, all employees of the organization or any related organizations, and family members of persons in these categories. All covered persons are required under the policy to disclose actual or potential conflicts as soon as they arise and the directors of the organization and related organizations confirm annually that there are no existing conflicts of interest. Persons with actual conflicts are prohibited from participating in any decisions relevant to the situation where the conflict exists. Most conflicts are clearly delineated by the policy; situations that are not so clear-cut are reviewed by in-house counsel, CEO, or Board, as appropriate. CEO executive director top management comp Part VI line 15a The organization pays its highest paid workers including the CEO, top management officials and other officers, in accordance with a salary ceiling that is confirmed annually by the board, and was last confirmed in January 2022. This ceiling is subject to adjustment for increased cost of living associated with the geographical areas in which workers are working, but is well below the average market salary for workers with comparable levels of expertise and experience. Other officer or key employee compensation Part VI line 15b No director or officer receives compensation for their work as a director, officer, or trustee; instead the amounts listed in column (D) and (F) are compensation paid to employees of the filing organization who work 30-40 hours per week. No compensation is for hours devoted to related organizations. Governing documents etc available to public Part VI line 19 Form 990, Part VI, Section C, Line 19: No documents available to the public. Part VII response or note to any other line in Part VII Form 990, Part VII, Section A, Line 1a: No director or officer receives compensation for their work as a director, officer or trustee; instead, the amounts listed in columns (E) & (F) are compensation paid to employees of the related organization who work 30-40 hours per week. Self-Help Services Corporation serves as the employer for all the filing organizations workers. Center for Community Self-Help 301 West Main Street Durham NC 27701 561271685 Economic Development NC 501c3 7 N/A false Self-Help Community Development Cor 301 West Main Street Durham NC 27701 561975829 Affordable Housing NC 501c3 12a CCSH Org 1 false Self-Help Credit Union 301 West Main Street Durham NC 27701 561382971 Economic Development NC 501c14 N/A false Self-Help Services Corporation 301 West Main Street Durham NC 27701 561849615 Staffing Services NC 501c3 12a CCSH Org 1 false Self-Help Ventures Fund 301 West Main Street Durham NC 27701 581562750 Charitable Lending NC 501c3 12a CCSH Org 1 false Self-Help Assistance Corporation 301 West Main Street Durham NC 27701 561923620 Economic Development NC 501c3 12a CCSH Org 1 false Self-Help Federal Credit Union 301 West Main Street Durham NC 27701 263016612 Economic Development NC 501c1 N/A false Self-Help Economic Development Inc 1330 Broadway Street Suite 604 Oakland CA 94612 205330006 Financial Capability CA 501c3 7 CCSH Org 1 false false false false false false true false false false false true false true true false true true false false