2023-10-12T15:22:31-05:00 2022-12-31 042571780 AAFCPAS INC 50 WASHINGTON STREET WESTBOROUGH MA 01581 990 2022-01-01 042488502 NATIONAL CONSUMER LAW CENTER INC NATI 6175428010 7 WINTHROP SQUARE 4TH FLOOR BOSTON MA 021101006 RICHARD DUBOIS EXECUTIVE DIRECTOR 6175428010 2023-09-29 1 RICHARD DUBOIS XXX-XX-XXXX 1 JOHN BUCKLEY CPA P00830631 5083669100 2023-09-29 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z RICHARD DUBOIS 7 WINTHROP SQUARE 4TH FLOOR BOSTON MA 021101006 17765396 0 X WWW.NCLC.ORG X 1971 MA SEE SCHEDULE O 12 12 75 13 0 0 3373663 5270034 4875291 6349326 3656999 874430 204474 0 12110427 12493790 22000 14000 0 0 8280258 9042082 0 0 920118 2680872 3667934 10983130 12724016 1127297 -230226 38467123 35032375 2039091 3272380 36428032 31759995 X THE NATIONAL CONSUMER LAW CENTER WORKS FOR CONSUMER JUSTICE AND ECONOMIC SECURITY FOR LOW-INCOME AND OTHER DISADVANTAGED PEOPLE IN THE U.S. THROUGH ITS EXPERTISE IN POLICY ANALYSIS AND ADVOCACY, PUBLICATIONS, LITIGATION, EXPERT WITNESS SERVICES, AND TRAINING. 0 0 3837321 14000 1651162 PROMOTING ECONOMIC OPPORTUNITY FOR PEOPLE WITH LOW-INCOMES BY INCREASING ACCESS TO SUSTAINABLE HOUSING AND HOMEOWNERSHIP, UTILITIES, AND CAR OWNERSHIP.TO REDUCE THE OBSTACLES PEOPLE WITH LOW INCOMES ENCOUNTER IN OBTAINING SAFE HOUSING AND ESSENTIAL TRANSPORTATION, NCLC DEVELOPS AND ADVOCATES REFORMS TO PROMOTE ACCESS TO FAIR LENDING AND HOUSING LAWS, FORECLOSURE AVOIDANCE PROGRAMS, AND AFFORDABLE ACCESS TO UTILITIES. CARS ARE ESSENTIAL FOR MANY FAMILIES TO ACHIEVE ECONOMIC MOBILITY, SO NCLC ALSO PROMOTES EFFECTIVE CAR OWNERSHIP PROGRAMS AND COMBATS MISLEADING AND DISCRIMINATORY SALES AND LENDING PRACTICES. A FOCUS ON ADVANCING EQUITY AND RACIAL JUSTICE IS INTEGRAL TO THIS ADVOCACY, AS SYSTEMIC RACISM IN HOUSING, MORTGAGE AND AUTO LENDING HAS LONG PREVENTED CONSUMERS OF COLOR FROM ACCESSING ECONOMIC AND WEALTH-BUILDING OPPORTUNITIES, LEADING TO HIGHER RATES OF POVERTY, LACK OF HOUSING, A PERSISTENT WEALTH GAP, COMMUNITY DISINVESTMENT, AND OTHER ECONOMIC CONSEQUENCES. 2581877 2428935 PROTECTING LOW-INCOME PEOPLE, FAMILIES, AND COMMUNITIES FROM PREDATORY LENDING, RISKY FINANCIAL PRODUCTS, ABUSIVE CREDIT REPORTING AND DEBT COLLECTION, AND OTHER FORMS OF ECONOMIC EXPLOITATION. TO PROTECT PEOPLE WITH LIMITED FINANCIAL RESOURCES FROM EXPLOITATION, DECEPTION, AND LACK OF OPPORTUNITY, NCLC PURSUES REFORMS TO FEDERAL AND STATE POLICY, REGULATION, AND LEGISLATION, CRAFTING MODEL LEGISLATION AND PROPOSING REGULATORY REFORM. BY ENGAGING THE CONSUMER LAW COMMUNITY, LAWMAKERS, REGULATORS, AND THE MEDIA, NCLC HELPS ENSURE THAT PEOPLE WITH LOW INCOMES, PEOPLE OF COLOR, JUSTICE-INVOLVED INDIVIDUALS, AND PEOPLE WITH LIMITED ENGLISH PROFICIENCY HAVE ACCESS TO SECURE BANK ACCOUNTS; SAFE ACCESS TO CREDIT WITH INTEREST RATE CAPS; AND A PATH FOR FAMILIES IN DEBT TO PURSUE A FRESH START THROUGH A REASONABLE BANKRUPTCY PROCESS. WE ADVANCE POLICY SOLUTIONS TO COMBAT: PREDATORY LENDING; ABUSIVE OVERDRAFT FEES AND INTEREST RATES; SCAM ROBOCALLS AND TEXTS; IRRESPONSIBLE CREDIT REPORTING THAT REDUCES ACCESS TO SAFE HOUSING AND EMPLOYMENT; CRIPPLING MEDICAL DEBT; FORCED ARBITRATION; EXCESSIVE JUNK FEES; EXCESSIVE STUDENT LOAN DEBT; AND UNFAIR AND DECEPTIVE DEBT COLLECTION PRACTICES. 3548332 2269229 EDUCATING FRONT-LINE LEGAL SERVICES AND NON-PROFIT LAWYERS, PRIVATE ATTORNEYS, FEDERAL AND STATE POLICYMAKERS, REGULATORY AND ENFORCEMENT OFFICIALS, AND COURTS ACROSS THE NATION ABOUT SUBSTANTIVE CONSUMER LAW ISSUES THROUGH CONFERENCES AND TRAININGS, EXPERT WITNESS SERVICES, AND IN-DEPTH TREATISES, REPORTS AND ISSUE BRIEFS. TO FURTHER ITS GROUNDBREAKING CONSUMER PROTECTION WORK, NCLC PROVIDES TRAINING AND EDUCATIONAL RESOURCES TO CONSUMER LAW ATTORNEYS AND ADVOCATES. NCLC PUBLISHES 21 CONSUMER LAW TREATISES ON EVERY ASPECT OF CONSUMER LAW. NCLC ADVOCATES UPDATE ITS DIGITAL LIBRARY REGULARLY AND PROVIDE SAMPLE PLEADINGS, TIMELY ARTICLES, TRIAL TIPS, AND STRATEGIES. NCLC PRODUCES THREE ANNUAL CONFERENCES, WHICH IN 2022 PROVIDED HIGH-LEVEL, IN-PERSON TRAINING TO NEARLY 1,000 LAWYERS AND PROVIDED ONLINE TRAINING AND WEBINARS TO THOUSANDS OF ADVOCATES. THROUGH A GRANT PROGRAM, LEGAL AID LAWYERS AND ATTORNEYS NEWER TO PRACTICE RECEIVE DISCOUNTED TUITION. IN ADDITION TO LITIGATING CONSUMER LAW CASES ON BEHALF OF ITS LOW-INCOME CLIENTS, NCLC ATTORNEYS ALSO PROVIDE EXPERT WITNESS SERVICES AND CONSULTING ON CONSUMER LAW AND UTILITY ISSUES. 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THIS STANDARD CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN TAX POSITIONS AND PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE CONSOLIDATED FINANCIAL STATEMENTS REGARDING A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE AGENCY HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS WHICH QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS AT DECEMBER 31, 2022. 1 GEORGIA WATCH 55 MARIETTA ST NW ATLANTA GA 30303 161639971 501(C)3 7000 0 TO HELP LOW-INCOME CONSUMERS THROUGH THE CREATION OF NEW LEGISLATIVE PROTECTIONS FROM BANK ACCOUNT LEVY AND WAGE SEIZURE. TEXAS APPLESEED 1609 SHOAL CREEK SUITE 201 AUSTIN TX 78701 742804268 501(C)3 7000 0 TO HELP LOW-INCOME CONSUMERS THROUGH REFORM OF DEBT COLLECTION PRACTICES IN TEXAS. 2 PART I, LINE 2: AT LEAST QUARTERLY CHECK-INS WITH SUB-GRANTEE ON PROGRESS AND A FINAL WRITTEN SUMMARY AT THE END OF THE YEAR. X X X 0 0 0 0 0 0 0 0 0 RICHARD DUBOIS EXECUTIVE DIRECTOR 239980 0 0 0 0 0 9435 0 31726 0 281141 0 0 0 CAROLYN CARTER DEPUTY DIRECTOR OF ADVOCACY 205823 0 0 0 0 0 8210 0 13313 0 227346 0 0 0 STEPHEN HURLEY CHIEF DEVELOPMENT OFFICER 176655 0 0 0 0 0 6178 0 31953 0 214786 0 0 0 MARGARET KOHLER CHIEF FINANCIAL OFFICER 175001 0 0 0 0 0 7064 0 31746 0 213811 0 0 0 JONATHAN SHELDON STAFF ATTORNEY 173406 0 0 0 0 0 14069 0 23092 0 210567 0 0 0 STUART ROSSMAN DIRECTOR OF LITIGATION 175522 0 0 0 0 0 6894 0 23080 0 205496 0 0 0 MARGOT SAUNDERS STAFF ATTORNEY 180214 0 0 0 0 0 6935 0 8213 0 195362 0 0 0 LAUREN SAUNDERS STAFF ATTORNEY 179851 0 0 0 0 0 7147 0 8051 0 195049 0 0 0 SVETLANA LADAN CHIEF OPERATION OFFICER 139734 0 0 0 0 0 5592 0 31627 0 176953 0 0 0 JOHN VAN ALST STAFF ATTORNEY 141718 0 0 0 0 0 5707 0 21401 0 168826 0 0 0 FORM 990, PART I, LINE 1 THE NATIONAL CONSUMER LAW CENTER WORKS FOR CONSUMER JUSTICE AND ECONOMIC SECURITY FOR LOW-INCOME AND OTHER DISADVANTAGED PEOPLE IN THE U.S. THROUGH ITS EXPERTISE IN POLICY ANALYSIS AND ADVOCACY, PUBLICATIONS, LITIGATION, EXPERT WITNESS SERVICES, AND TRAINING. FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS SENT BY THE PREPARER VIA EMAIL AND IS REVIEWED AND REVISED BY THE FINANCE COMMITTEE BEFORE IT IS FILED. THE FULL BOARD OF DIRECTORS ALSO RECEIVES A COPY. FORM 990, PART VI, SECTION B, LINE 12C EVERY YEAR, BOARD MEMBERS ARE CALLED UPON TO MAKE FULL CONFLICT OF INTEREST DISCLOSURES AT THE BOARD'S ANNUAL MEETING. THE EXECUTIVE DIRECTOR IS RESPONSIBLE FOR PUTTING THIS ITEM ON THE MEETING AGENDA AND THE BOARD SECRETARY RECORDS THE RESULTS IN THE MINUTES. FORM 990, PART VI, SECTION B, LINE 15 EVERY 3 YEARS, NCLC CONTRACTS WITH AN OUTSIDE PROFESSIONAL SALARY CONSULTANT FIRM TO DO A SALARY COMPARABILITY STUDY. THE BOARD APPROVES THE RESULTS OF THE STUDY AND SALARIES FOR ALL STAFF (INCLUDING THE EXECUTIVE DIRECTOR AND OTHER KEY EMPLOYEES) ARE SET ACCORDINGLY. FORM 990, PART VI, SECTION C, LINE 19 THE 990 AND AUDITED FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. 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