2026-04-24T13:59:54-04:00 2024-12-31 990 2024-01-01 743043913 Center for Responsible Lending % Michael Calhoun CENT 9199564400 302 West Main Street Durham NC 277013227 MICHAEL CALHOUN President 9199564400 2026-04-24 true 2024 2025-03-06 01:10:19Z X Michael Calhoun 302 West Main Street Durham NC 277013227 9670335 false X www.responsiblelending.org X 2002 NC Promoting financial fairness and economic opportunity for all, ending abusive lending practices. 10 9 0 0 0 4745498 5202714 1268590 4254366 242009 208455 6449 4800 6262546 9670335 149028 158166 0 0 0 311104 6941725 5712330 7090753 5870496 -828207 3799839 8305439 11459787 1341157 695666 6964282 10764121 Promoting financial fairness and economic opportunity for all, ending abusive lending practices. false false 2865613 158166 Technical Assistance: Provided legal analysis and market insights on the impact of student loan policies and participated in rulemakings on these and other financial issues. Worked with industry and regulators to develop policies and definitions to support the Community Reinvestment Act, fair lending laws and other regulations. Provided technical assistance to state-based community groups and others regarding consumer financial products. 1071699 Research Services: CRL provided expert analysis for reports, public comments and testimonies on the need for strong consumer protections. This included research on the risk and harms of payday loans and other lending. It surveyed consumers on financial products and their regulation. 938592 Outreach/Communications: Provided policy analysis and outreach materials to inform the public and regulators on products and policies that prevent all Americans from establishing and sustaining economic stability and security. CRL worked to make homeownership more accessible and sustainable for borrowers, save veterans from foreclosure, and enhance fair lending laws. 4875904 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 false true 16 0 true 0 false false false false false false false false false false false false false false X 10 9 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 Elizabeth J Laderman Senior Researcher 0.00 40.00 X 142640 0 31041 Andrew Kushner Senior Policy Counsel 0.00 40.00 X 150782 0 13510 Michael Calhoun President 0.00 40.00 X 141227 0 22387 Ellen Harnick CRL EVP 0.00 40.00 X 136684 0 21142 Mitria Spotser Director Federal Policy 0.00 40.00 X 143589 0 13408 Peter Smith Sr Researcher 0.00 40.00 X 148452 0 7978 Marcus Bowen Treasurer 0.00 40.00 X 105750 0 36143 Martin Eakes CEODirectorSecretary 0.00 40.00 X X 100961 0 35827 Wade Henderson Director 0.50 0.00 X 0 0 0 Mark Goldhaber Director 0.50 0.00 X 0 0 0 Sarah Ludwig 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 Amy Domini Director 0.50 0.00 X 0 0 0 Laura Arce Director 0.50 0.00 X 0 0 0 LaShawn Warren Director 0.00 0.50 X 0 0 0 Ira Rheingold DirectorChair 0.50 0.00 X X 0 0 0 1070085 0 181436 18 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 136872 2 5202714 5202714 Cy Pres Award 900099 4254366 4254366 4254366 208455 208455 0 Other 561000 4800 4800 4800 9670335 4259166 0 208455 158166 158166 25567 25567 15199 15199 335364 335364 369642 301799 46293 21550 31082 25377 3893 1812 34680 28315 4343 2022 409991 334742 51346 23903 120435 80196 32069 8170 34109 27849 4272 1988 14718 12017 1843 858 3820 3119 478 223 Staff Reimb SHSC 56-1849615 4163633 3451923 443563 268147 154090 91470 80189 -17569 5870496 4875904 683488 311104 6381022 6207350 814069 4454366 3911 39448 61904 284685 284685 14719 20739 28750 1031531 707417 8305439 11459787 514626 187715 826531 507951 1341157 695666 X 5653448 9651620 1310834 1112501 6964282 10764121 8305439 11459787 3799839 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 335364 354776 335364 354776 5535132 140699171 5870496 141053947 443525 1000000 110881 250000 1000000 1000000 1000000 1000000 4000000 6000000 355594 331773 324492 354776 1366635 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 $19,412, 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 217313 45707 45707 Payroll Deposit SHSC 205000 Operating right of use asset net 502417 707417 Operating lease liability 507951 507951 X 9670335 9670335 9670335 5870496 5870496 5870496 Part X, Line 2-Text in footnote regarding FIN 48 (ASC 740) CRL has determined that all tax positions taken for the current year ended December 31, 2024 and all years open under the statue of limitations are highly certain. Therefore, CRL has determined that no unrecognized tax liability exists. true National Association of Real Estate 9831 Greenbelt Road Suite 309 Lanham MD 20706 366125210 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 10000 Combat predatory lending CommEconomic Develop Asso Michigan 1118 S Washington St Lansing MI 48911 383445097 501c3 10000 Combat predatory lending Center for Public Justice 1305 Lesile Ave Alexandria VA 22301 510153566 501c3 12000 Combat predatory lending CASH Campaign of Maryland 575 S Charles Street Suite 500 Baltimore MD 21201 814607977 501c3 10000 Combat predatory lending SaverLife 548 Market St PMB 46387 San Francisco CA 94104 912172676 501c3 50000 Combat predatory lending Maine Equal Justice Partners Inc 126 Sewall Street Augusta ME 04330 043346273 501c3 7500 Combat predatory lending Georgia Watch 55 Marietta St NW Suite 903 Atlanta GA 30303 161639971 501c3 5500 Combat predatory lending Economic Progress Institute 600 Mt Pleasant Avenue Providence RI 02908 320295517 501c3 10000 Combat predatory lending Center for Economic Integrity 509 E Radburn Street Tucson AZ 85702 260026603 501c3 10000 Combat predatory lending false false false false false false false false false Michael Calhoun President 141227 22387 163614 Ellen Harnick CRL EVP 136684 21142 157826 Andrew Kushner Senior Policy Counsel 150782 13510 164292 Elizabeth J Laderman Senior Researcher 142640 31041 173681 Peter Smith Sr Researcher 148452 7978 156430 Mitria Spotser Director Federal Policy 143589 13408 156997 Amended return information An amended return is being filed to correct the classification of revenue reported in Part VIII. Revenue originally reported on Part VIII, line 1e, was reported in error and has been reclassified to Part VIII, line 1f. This correction does not affect total revenue or the organizations net assets. 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 2024. 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 2024. 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 true false false