2025-08-04T07:40:29-05:00 2024-12-31 042571780 AAFCPAS INC 50 WASHINGTON STREET WESTBOROUGH MA 01581 990 2024-01-01 042488502 NATIONAL CONSUMER LAW CENTER INC NATI 6175428010 7 WINTHROP SQUARE 4TH FLOOR BOSTON MA 021101006 RICHARD DUBOIS EXECUTIVE DIRECTOR 6175428010 2025-08-01 1 1 CAITLIN LIMOGES CPA P01633588 5083669100 2025-08-01 2024 2025-03-06 01:10:19Z RICHARD DUBOIS 7 WINTHROP SQUARE 4TH FLOOR BOSTON MA 021101006 23482010 0 X WWW.NCLC.ORG X 1971 MA SEE SCHEDULE O 12 12 79 12 0 0 4409519 6684696 14150568 12505009 1100208 2374164 0 0 19660295 21563869 0 0 0 0 10186079 10628536 0 0 1011641 3946248 3984266 14132327 14612802 5527968 6951067 43334375 49396636 4137194 3205791 39197181 46190845 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 4868124 4298807 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 THAT LEADS TO HIGHER RATES OF POVERTY, LACK OF HOUSING, A PERSISTENT WEALTH GAP, AND COMMUNITY DISINVESTMENT. 3225775 4537318 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. NCLC PURSUES REFORMS TO FEDERAL AND STATE POLICY, REGULATION, AND LEGISLATION TO HELP 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 TO PURSUE A FRESH START THROUGH A REASONABLE BANKRUPTCY PROCESS. NCLC ADVANCES POLICY SOLUTIONS TO COMBAT: PREDATORY LENDING; ABUSIVE OVERDRAFT FEES AND INTEREST RATES; SCAM ROBOCALLS AND TEXTS; IRRESPONSIBLE CREDIT REPORTING; CRIPPLING MEDICAL DEBT; FORCED ARBITRATION; JUNK FEES; EXCESSIVE STUDENT LOAN DEBT; AND UNFAIR AND DECEPTIVE DEBT COLLECTION PRACTICES. 3285152 3668884 EDUCATING FRONT-LINE LEGAL SERVICES AND NON-PROFIT LAWYERS, PRIVATE ATTORNEYS, FEDERAL AND STATE POLICYMAKERS, REGULATORY AND ENFORCEMENT OFFICIALS, AND COURTS ABOUT SUBSTANTIVE CONSUMER LAW ISSUES THROUGH CONFERENCES AND TRAININGS, EXPERT WITNESS SERVICES, AND IN-DEPTH TREATISES, REPORTS AND ISSUE BRIEFS. 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, ARTICLES, TRIAL TIPS, AND STRATEGIES. NCLC PRODUCES THREE ANNUAL CONFERENCES, WHICH IN 2024 PROVIDED HIGH-LEVEL TRAINING TO MORE THAN 1,600 LAWYERS. AT CONFERENCES AND IN ONLINE TRAININGS, NCLC TRAINED MORE THAN 11,135 ADVOCATES IN 2024. NCLC LITIGATES CONSUMER LAW CASES ON BEHALF OF ITS LOW-INCOME CLIENTS, AND PROVIDES EXPERT WITNESS SERVICES AND CONSULTING ON CONSUMER LAW AND UTILITY ISSUES. 11379051 1 1 0 1 0 0 0 0 0 1 1 0 0 0 1 1 0 1 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 1 0 0 0 1 13 0 1 79 1 0 0 0 0 0 0 0 0 0 0 0 0 X 12 12 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AL AK AR CA CO CT IL MD MA MI MN MS NJ NY NV ND OH OR PA RI TN UT VA WV WA WI DC FL X MARGARET KOHLER 6175428010 7 WINTHROP SQUARE 4TH FLOOR BOSTON MA 021101006 MICHAEL FERRY PRESIDENT 1.00 1.00 X X 0 0 0 DANCY MCKINNEY-PARKER VICE PRESIDENT 1.00 X X 0 0 0 ODETTE WILLIAMSON SECRETARY/TREASURER 1.00 X X 0 0 0 BEVERLY COURTNEY DIRECTOR 1.00 X 0 0 0 DOLORES S SMITH DIRECTOR 1.00 X 0 0 0 JONATHAN L KRAVETZ DIRECTOR 1.00 X 0 0 0 MARK E BUDNITZ DIRECTOR 1.00 X 0 0 0 LATRYNA D CARLTON DIRECTOR 1.00 1.00 X 0 0 0 DEEPAK GUPTA DIRECTOR 1.00 X 0 0 0 MARTHA TAMAYO DIRECTOR 1.00 X 0 0 0 ELIZABETH CABRASER DIRECTOR (AS OF 2/24) 1.00 X 0 0 0 DAVID VLADECK DIRECTOR (UNTIL 12/24) 1.00 X 0 0 0 RICHARD DUBOIS EXECUTIVE DIRECTOR 40.00 1.00 X 278750 0 48675 CAROLYN CARTER DEPUTY DIRECTOR 40.00 X 237471 0 23762 MARGARET KOHLER CHIEF FINANCIAL OFFICER 40.00 1.00 X 204883 0 43184 STEPHEN HURLEY CHIEF DEVELOPMENT OFFICER 40.00 X 206729 0 42188 SVETLANA LADAN DIRECTOR OF OPERATIONS AND IT 40.00 X 170813 0 43470 MICHELLE BATES DEAKIN CHIEF COMMUNICATIONS OFFICER 40.00 X 192677 0 4074 LAUREN SAUNDERS ASSOCIATE DIRECTOR 40.00 X 198540 0 7914 JONATHAN SHELDON PUBLISHER STAFF ATTORNEY 32.00 X 145064 0 39683 OLIVIA WEIN SENIOR ATTORNEY 40.00 X 194050 0 7465 MARGOT SAUNDERS SENIOR ATTORNEY 40.00 X 196922 0 22639 SHENNAN KAVANAGH DIRECTOR OF LITIGATION 40.00 X 185765 0 23727 KAREN LUSSON SENIOR ATTORNEY 40.00 X 188794 0 32292 JEREMIAH BATTLE SENIOR ATTORNEY 40.00 X 185603 0 31717 2586061 0 370790 41 0 1 0 SVB PRIVATE WEALTH 265 MAIN ST CAMBRIDGE MA 02142 INVESTMENT ADVISOR 160993 JESSICA HIEMENZ-WOODBURY 16 PERKINS AVE HYDE PARK MA 02136 CONFERENCE MANAGEMENT 149963 LOIS L LINDAUER SEARCHES LLC 420 BOYLSTON STREET BOSTON MA 02116 RECRUITER 119956 3 1200000 392676 5092020 11139 6684696 ATTORNEY FEE AWARDS 541100 8614290 8614290 PUBLICATIONS 513120 2396224 2396224 CONFERENCES 900099 1233795 1233795 RENTAL INCOME 532000 221835 221835 ADVICE AND ASSISTANCE 541100 27865 27865 11000 11000 12505009 1585680 1585680 2706625 1918141 788484 788484 788484 21563869 12505009 0 2374164 1904474 793480 828472 282522 6646426 5706512 518417 421497 243897 213862 13301 16734 1204571 1031403 101623 71545 629168 487338 91978 49852 49200 49200 134743 134743 838412 761279 58452 18681 393294 184394 151055 57845 271967 198101 42719 31147 536943 513460 16011 7472 193896 158668 33422 1806 843406 827453 15930 23 313808 285256 19467 9085 77656 51771 17649 8236 MISCELLANEOUS 170402 11279 125755 33368 PUBLICATIONS 141880 141880 PERIODICALS 17232 11488 3916 1828 LITIGATION EXPENSE 1427 1427 14612802 11379051 2222110 1011641 511086 2764454 100 100 2557595 3965699 137231 111785 280223 345765 1868486 979186 1134596 889300 37884773 40622369 828771 697164 43334375 49396636 2619006 1793820 976190 1024563 541998 387408 4137194 3205791 X 33639865 39322751 5557316 6868094 39197181 46190845 43334375 49396636 6951067 42597 0 X X 0 1 X 1 0 X 4090720 3373663 5270034 4409519 6684696 23828632 4090720 3373663 5270034 4409519 6684696 23828632 5542498 18286134 1226054 1462000 970519 1066995 1585680 6311248 30139880 46343687 0.60670 0.58490 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 9891 109057 118948 14493854 14612802 880640 220160 0 0 755930 776587 856616 880640 3269773 4904660 215273 192273 166655 118948 693149 188982 211022 214154 220160 834318 1251477 8359 13584 4419 9891 36253 11371999 27721 791930 12191650 10248002 33012 1090985 11371999 11495353 98269 -1345620 10248002 10677366 462448 355539 11495353 9915770 384517 377079 10677366 1.00000 0 0 228195 151610 76585 1640291 827576 812715 889300 OPERATING LEASE LIABILITY 387408 387408 X PART X, LINE 2: THE AGENCY ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ACCORDANCE WITH ASC TOPIC, INCOME TAXES. 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, 2024. THE AGENCY'S INFORMATIONAL TAX RETURNS ARE SUBJECT TO EXAMINATION BY THE FEDERAL AND STATE JURISDICTIONS. X X X 0 0 0 0 0 0 0 0 0 RICHARD DUBOIS EXECUTIVE DIRECTOR 278750 0 0 0 0 0 13426 0 35249 0 327425 0 0 0 CAROLYN CARTER DEPUTY DIRECTOR 237471 0 0 0 0 0 9109 0 14653 0 261233 0 0 0 STEPHEN HURLEY CHIEF DEVELOPMENT OFFICER 206729 0 0 0 0 0 6939 0 35249 0 248917 0 0 0 MARGARET KOHLER CHIEF FINANCIAL OFFICER 204883 0 0 0 0 0 7935 0 35249 0 248067 0 0 0 KAREN LUSSON SENIOR ATTORNEY 188794 0 0 0 0 0 5350 0 26942 0 221086 0 0 0 MARGOT SAUNDERS SENIOR ATTORNEY 196922 0 0 0 0 0 6992 0 15647 0 219561 0 0 0 JEREMIAH BATTLE SENIOR ATTORNEY 185603 0 0 0 0 0 6262 0 25455 0 217320 0 0 0 SVETLANA LADAN DIRECTOR OF OPERATIONS AND IT 170813 0 0 0 0 0 8221 0 35249 0 214283 0 0 0 SHENNAN KAVANAGH DIRECTOR OF LITIGATION 185765 0 0 0 0 0 0 0 23727 0 209492 0 0 0 LAUREN SAUNDERS ASSOCIATE DIRECTOR 198540 0 0 0 0 0 7182 0 732 0 206454 0 0 0 OLIVIA WEIN SENIOR ATTORNEY 193050 0 1000 0 0 0 6733 0 732 0 201515 0 0 0 MICHELLE BATES DEAKIN CHIEF COMMUNICATIONS OFFICER 192677 0 0 0 0 0 3342 0 732 0 196751 0 0 0 JONATHAN SHELDON PUBLISHER STAFF ATTORNEY 145064 0 0 0 0 0 14267 0 25416 0 184747 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. SINCE 1969, THE NONPROFIT NATIONAL CONSUMER LAW CENTER (NCLC) HAS USED ITS EXPERTISE IN CONSUMER LAW AND ENERGY POLICY TO WORK FOR CONSUMER JUSTICE AND ECONOMIC SECURITY FOR LOW-INCOME AND OTHER DISADVANTAGED PEOPLE. NCLC'S EXPERTISE INCLUDES POLICY ANALYSIS AND ADVOCACY; CONSUMER LAW AND ENERGY PUBLICATIONS; LITIGATION AND EXPERT WITNESS SERVICES; AND TRAINING AND ADVICE FOR ADVOCATES. NCLC WORKS WITH NONPROFIT AND LEGAL SERVICES ORGANIZATIONS, PRIVATE ATTORNEYS, POLICYMAKERS, AND FEDERAL AND STATE GOVERNMENT AND COURTS ACROSS THE NATION TO STOP EXPLOITATIVE PRACTICES, HELP FINANCIALLY STRESSED FAMILIES BUILD AND RETAIN WEALTH, AND ADVANCE ECONOMIC FAIRNESS. NCLC ATTORNEYS ARE WIDELY RECOGNIZED AS LEADING NATIONAL EXPERTS IN CONSUMER CREDIT, BANKING, HOME ENERGY, HOUSING, DEBT COLLECTION, AND OTHER AREAS OF CRITICAL IMPORTANCE TO LOW-INCOME FAMILIES. NCLC IS A 501(C)(3) NONPROFIT ORGANIZATION WITH OFFICES IN BOSTON, MASSACHUSETTS, AND WASHINGTON, D.C., WITH MORE THAN 60 STAFF MEMBERS. 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 MEMBER AFFIRMS THEIR DISCLOSURE IN RESPONSE TO AN EMAIL SENT BY THE CHIEF FINANCIAL OFFICER. 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. FORM 990, PART XII, LINE 2C THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. CONSUMER LAW BUILDING CORPORATION 7 WINTHROP SQUARE 4TH FLOOR BOSTON MA 02110 261951595 TO OWN AND DEVELOP 7 WINTHROP SQUARE MA 501(C)(3) LINE 12A, I NATIONAL CONSUMER LAW CENTER 0 0 0 1 1 0 0 0 0 0 0 1 0 0 0 0 1 1 0 0 CONSUMER LAW BUILDING CORPORATION Q 211067 FAIR MARKET VALUE CONSUMER LAW BUILDING CORPORATION K 316304 FAIR MARKET VALUE CONSUMER LAW BUILDING CORPORATION C 1200000 FAIR MARKET VALUE