2024-11-13T16:16:51-05:00 2023-12-31 990 2023-01-01 743043913 Center for Responsible Lending CENT 302 West Main Street Durham NC 277013227 Marcus Bowen Chief Financial 9199564400 2024-11-13 true 2023 2024-10-15 13:58:12Z Michael Calhoun 6262546 false X www.responsiblelending.org X 2002 NC Promoting financial fairness and economic opportunity for all, ending predatory lending, and closing the racial wealth gap. 9 8 0 0 0 4653091 4745498 45357 1268590 71764 242009 12092 6449 4782304 6262546 234194 149028 0 0 0 225270 6751328 6941725 6985522 7090753 -2203218 -828207 9921887 8305439 2129398 1341157 7792489 6964282 Promoting financial fairness and economic opportunity for all, ending predatory lending, and closing the racial wealth gap. false false 3551234 149028 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 repayment models resulting in the cancellation of most student debt. Assisted in the development of regulations and laws focused on ensuring meaningful consumer protections for small dollar lending products. Continue to work with industry and regulators to develop policy definitions and proposals designed to enforce fair lending laws, enhance consumer protections and make homeownership more accessible. Provide technical assistance to state-based community, policy and civil rights groups focused on state level consumer financial products. 1311801 Research Services: Conducted analysis for reports, comments, testimonies and policy analysis projects. Reports described proliferation of online lenders offering fintech cash advances and earned wage advances with an impact on low-income workers and their families. In Vermont, analyzed the risks of enabling payday lending -like debt and establishing rate caps. In California, examined the risks due to a lack of active regulation on Earned Wage Advances (EWA), fintech online advances, and Buy Now, Pay Later (BNPL) lending products on borrowers and the reduction in their capacity to build wealth. Surveyed consumer knowledge of high cost installment loans. 1025372 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. CRL advocated to make homeownership more accessible for borrowers by challenging high mortgage insurance premiums and helping save veterans from foreclosure and by helping to enhance fair lending laws. CRL raised concerns about fintech and payday lending abuses leading to positive consumer protections at state and federal levels. 5888407 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 18 0 true 0 false false false false false false false false false false false false X 9 8 false false false false false false false true true false false true true true true true true true true false AK AL AR CA CO CT DC FL GA HI IL KS KY MA MD ME MI MN MS NC ND NH NJ NM NV NY OH OK OR PA RI SC TN UT VA WA WI WV X Marcus Bowen 9199564400 301 West Main Street Durham NC 27701 X Ellen Harnick CRL EVP 0.00 40.00 X 131849 0 43067 Peter Smith Sr Researcher 0.00 40.00 X 142450 0 23417 Elizabeth J Laderman Senior Researcher 0.00 40.00 X 140857 0 21499 Michael Calhoun President 0.00 40.00 X 134773 0 22613 Nadine B Chabrier Senior Policy Counsel 0.00 40.00 X 129788 0 24810 Mitria Spotser Director Federal Policy 0.00 40.00 X 131740 0 11567 Marcus Bowen Treasurer 0.00 40.00 X 99998 0 36537 Martin Eakes CEODirectorSecretary 0.00 40.00 X X 97699 0 33733 Wade Henderson Director 0.50 0.00 X 0 0 0 Amy Domini Director 0.50 0.00 X 0 0 0 Laura Arce Director 0.50 0.00 X 0 0 0 Nicolas Retsina Director 0.50 0.00 X 0 0 0 Lisa Rice Director 0.50 0.00 X 0 0 0 Sarah Ludwig Director 0.50 0.00 X 0 0 0 Mark Goldhaber Director 0.50 0.00 X 0 0 0 Ira Rheingold DirectorChair 0.50 0.00 X X 0 0 0 1009154 0 217243 6 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 Fee 156583 2 4745498 4745498 Cy Pres Award 900099 1268590 1268590 1268590 242009 242009 Other 561000 6449 6449 6449 6262546 1275039 0 242009 149028 149028 50208 50208 11215 11215 311394 311394 410688 336219 60385 14084 34859 28538 5126 1195 43925 35960 6459 1506 556676 455735 81851 19090 117766 75780 39950 2036 -2250 -1842 -331 -77 17663 14460 2597 606 3987 3264 586 137 Staff Reimb SHSC 56-1849615 5056144 4264162 663861 128121 329450 165501 105377 58572 7090753 5888407 977076 225270 6996273 6381022 700000 814069 3766 3911 54321 39448 284685 269966 32381 14719 17244 20739 2117902 1031531 9921887 8305439 204201 514626 1925197 826531 2129398 1341157 X 6498877 5653448 1293612 1310834 7792489 6964282 9921887 8305439 -828207 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 311394 324492 311394 324492 6779359 126591009 7090753 126915501 504538 1000000 126135 250000 1000000 1000000 1000000 1000000 4000000 6000000 353380 355594 331773 324492 1365239 250000 250000 250000 250000 1000000 1500000 20809 20809 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 $13,098, 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 217313 202594 14719 45707 45707 14719 Payroll Deposit SHSC 205000 Operating right of use asset net 826531 1031531 Operating lease liability 826531 826531 X 6262546 6262546 6262546 7090753 7090753 7090753 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, 2023 and all years open under the statue of limitations are highly certain. Therefore, CRL has determined that no unrecognized tax liability exists. true Indiana Community Action Associatio 1845 W 18th Street Indianapolis IN 46202 351267319 501c3 10000 Combat predatory lending Alaska Public Interest Research Gro 2522 Arctic Blvd Anchorage AK 99503 920047627 501c3 10000 Combat predatory lending New Jersey Citizen Action Education 75 Raritan Avenue Ste 200 Highland Park NJ 08904 222493628 501c3 18000 Combat predatory lending CommEconomic Develop Asso Michigan 1118 S Washington St Lansing MI 48911 383445097 501c3 10000 Combat predatory lending National CAPACD 1825 San Pablo Ave Ste 2 Oakland CA 94612 912121566 501c3 10000 Combat predatory lending South Carolina Association for Comm 8570 Rivers Ave Suite 130 North Charleston SC 29406 562049813 501c3 10000 Combat predatory lending SaverLife 548 Market St PMB 46387 San Francisco CA 94104 912172676 501c3 25000 Combat predatory lending Maine Equal Justice Partners Inc 126 Sewall Street Augusta ME 04330 043346273 501c3 10000 Combat predatory lending Exodus Financial Services dba Exodu 2380 Wycliff St Ste B-100 St Paul MN 55114 471706853 501c3 17000 Combat predatory lending Economic Progress Institute 600 Mt Pleasant Avenue Providence RI 02908 320295517 501c3 20000 Combat predatory lending Ida And Asset Building Collaborativ 4021 Carya Drive Raleigh NC 27610 043728351 501c3 10000 Combat predatory lending Center for Economic Integrity 509 E Radburn Street Tucson AZ 85702 260026603 501c3 10000 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. Additional Information for Schedule I Part III: The purpose of each grant or assistance (Column H) is to: Combat Predatory Lending. false false false false false false false false false Michael Calhoun President 134773 22613 157386 Ellen Harnick CRL EVP 131849 43067 174916 Nadine B Chabrier Senior Policy Counsel 129788 24810 154598 Elizabeth J Laderman Senior Researcher 140857 21499 162356 Peter Smith Sr Researcher 142450 23417 165867 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 November 2023. 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 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 November 2023. 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. 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 false false