2025-05-16T06:26:49-04:00 2024-12-31 873568916 GWS and Associates LLC PO Box 241 Cedar Brook NJ 08018 990 2024-01-01 822380625 Community Finance Inc FKA Giving Credit Inc % Ashley Sherwin COMM 6179357566 51 Pleasant Street STE 278 Malden MA 02148 ASHLEY SHERWIN CFO 6179357566 2025-05-05 true true GEOFFREY W SMITH P00575823 6093141662 2025-05-16 2024 2025-03-06 01:10:19Z X X 330278 false X https://www.communityfi.org X 2024 MA The organizations mission is to recognize and capitalize economic mutual aid in financially excluded low income communities where everyone has access to high quality and low interest wealth building products 3 1 0 0 0 329510 0 768 0 330278 0 0 150000 0 0 74303 224303 105975 105975 0 105975 The organizations mission is to recognize and capitalize economic mutual aid in financially excluded low income communities where everyone has access to high quality and low interest wealth building products false false 224303 The organization engaged 430 users tracking $60,000 in peer credit and $45,000 in peer to peer lending transactions;launched a rewards programs and development partnerships with other social impact organizations that provided $36,000 in capital through rewards and loan loss insurance 224303 true true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 4 0 true 0 false false false false false false false false false false false false false false false false false X 3 1 false false false false false false false true true false false true true true true false false true true false MA X Ashley Sherwin 6179357566 51 Pleasant Street STE 278 Malden MA 02148 Ashley Sherwin CFO 40.00 0.00 X 112500 0 0 David Henderson CEO 40.00 0.00 X 0 0 0 Diego May 1.00 0.00 X 0 0 0 112500 0 0 1 false false false 328450 1060 329510 768 768 1060 0 330278 768 0 0 112500 112500 37500 37500 5000 5000 488 488 2978 2978 4348 4348 56000 56000 4739 4739 300 300 Miscellaneous 450 450 224303 224303 0 0 55975 50000 0 105975 0 0 X 105975 0 105975 0 105975 105975 0 X false false X 329510 329510 329510 329510 0 0 0 0 0 0 329510 768 768 768 768 0 0 0 0 330278 330278 0.99770 0.00000 0.00000 0.00000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED Form 990 governing body review Part VI line 11 The 2024 990 return was reviewed by the governing body prior to the filing of the return Conflict of interest policy compliance Part VI line 12c The purpose of the conflict of interest policy is to protect the interests of the organization when it is contemplating entering into a transaction or arrangement that might benefit the private interest of an officer or director or might result in a possible excess benefit transaction. An interested person must disclose any financial interest and all material facts to the directors and members of committees considering the proposed transaction or arrangement. The remaining board or committee board members shall decide if a conflict of interest exists, with the interested person abstaining from the discussion and decision-making process. If a conflict of interest is determined, the board or committee will appoint a disinterested person or committee to investigate alternatives. CEO executive director top management comp Part VI line 15a The compensation of key employees shall be reviewed and approved by the board of directors or a compensation committee composed entirely of individuals without conflicts of interest. The process shall include data on comparable compensation for similarly qualified persons in comparable positions at similar organizations to ensure fairness and competitiveness. All decisions regarding compensation will be documented contemporaneously in the minutes of the meetings where the decisions are made. This documentation will include the terms of the compensation and the rationale for approval ensuring transparency and accountability in the compensation setting process. Other officer or key employee compensation Part VI line 15b The compensation of key employees shall be reviewed and approved by the board of directors or a compensation committee composed entirely of individuals without conflicts of interest. The process shall include data on comparable compensation for similarly qualified persons in comparable positions at similar organizations to ensure fairness and competitiveness. All decisions regarding compensation will be documented contemporaneously in the minutes of the meetings where the decisions are made. This documentation will include the terms of the compensation and the rationale for approval ensuring transparency and accountability in the compensation setting process. Governing documents etc available to public Part VI line 19 The organization made its governing documents and conflict of interest policy available to the public via its website.