San Francisco Consumer Action

Tax-deductible

San Francisco, CA501(c)(3)EIN 23-7172908Revenue $1.3M in FY2025

On file with the IRSconsumer-action.org57 Post St Ste 708, 94104-5025 · San Francisco, CATax-exempt since Apr 1972Publicly supported charity — 170(b)(1)(A)(vi)

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Consumer Action's mission is to provide consumer education and advocacy on behalf of consumers around the country.

501(c)(3) charity; gifts are tax-deductible.
68¢ of each $1 spent went to programs.
Run by 1 volunteers and 23 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
1 of 6
filings with a surplus
Average deficit $588K a year · 49% of revenue · last 6 filings
Concern: a surplus in 1 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
68%
of spending
Fine: 68% of spending went to programs; 65% to 75%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$162K
to officers and key staff · 14% of spending
Looks good: pay to officers and key staff is 14% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
12 mo
of spending, in cash
Looks good: 11.6 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $112K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$266K
22% of total assets
Looks good: liabilities are 22% of assets; 50% or less.
Pt X · Ln 26
Independent board members
6
of 6 voting members
Looks good: 6 of 6 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.3M
+30% vs prior year
Spent
$1.2M
To programs
68%
Net assets
$957K
By yearFY2020–FY2025
Revenue
$1.3M
FY2025▲ +30%
Tap a bar for its year
Revenue by fiscal year
FY2020$941K
FY2021$1.2M
FY2022$1.7M
FY2023$1.2M
FY2024$975K
FY2025$1.3M
Expenses
$1.2M
FY2025▲ +5%
Tap a bar for its year
Expenses by fiscal year
FY2020$2.9M
FY2021$2.3M
FY2022$1.8M
FY2023$1.4M
FY2024$1.1M
FY2025$1.2M
Net assets
$957K
FY2025▲ +10%
Tap a bar for its year
Net assets by fiscal year
FY2020$2.5M
FY2021$1.4M
FY2022$1.3M
FY2023$1.0M
FY2024$870K
FY2025$957K

From the FY2025 Form 990 (year ending March 2025) · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Apr 1972.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

68 cents of each dollar spent went to programs.

Program services 68% · $805K Management & general 23% · $270K Fundraising 9% · $111K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

10 people listed on the 990; $162K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Executive Di
$162,000Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Director of
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
Director to
$0Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Ken McEldowney Exec Dir————$171,186$217,923
Ken McEldowney—$54,722$134,824$170,304——
Anna Flores$162,000$125,400————
Linda Sherry——$103,548$111,696$118,608$143,484
Kathy Li——$87,723$116,640$113,358$134,616
Nani Hansen————$102,370$103,114
Ruth Susswein Albert———$101,364——
Ruth Susswein—$75,373$88,498———

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See San Francisco Consumer Action executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Educates and advocates for consumers nationwide on important issues.

Provided by the organization

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3 programs · $616K · in their own filed words · FY2024
01

The walmart financial education grant included an update to consumer action's money management 1-2-3 training module and the conducting of three in-person train-the-trainer sessions for community-based organizations, educators and advocates in boston, philadelphia and chicago.

$267Kprogram expense
02

The dish cy pres award project included the development of multi-lingual consumer education materials on the telephone consumer protection act (tcpa) and consumer privacy protection and conducting a series of in-person regional train-the-trainer workshops for community-based organizations, advocates and educators across the country.

$194Kprogram expense
03

Rose foundation warranty project the project included a variety of initiatives including the development of a consumer opinion poll, research and surveys of computer and smartphone manufacturers and sellers, and the creation of multilingual (ENGLISH/SPANISH/CHINESE) consumer education publications, videos and webinars designed to…

$154Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2024
Total grants receivedfrom 2 funders$112K
Grants paid · 19 grants · $219K · 2019–2024
See all 19 grants →

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$1.3M
Ln 12
Gifts and grantsLn 1h$1.2M
Investment incomeLn 3$21K
Fees for servicesLn 2g$11K
Money outPt IX
$1.2M
Ln 25
Programscol B$805K
Managementcol C$270K
Fundraisingcol D$111K
Owns and owesPt X
$957K
net assets · Ln 32
Cash and savingsLn 1–2$1.1M
Total assetsLn 16$1.2M
LiabilitiesLn 26$266K
PeoplePt VI, VII
10
listed · VII A
PaidVII A1
Voting boardVI 1a6
IndependentVI 1b6
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$1.2M
Fundraising eventsLn 1c$206K
Fees for servicesLn 2g$11K
Investment incomeLn 3$21K
Other incomeLn 4–11$7K
Total revenueLn 12$1.3M
Assets in detailPt X, end of year
CashLn 1$518K
SavingsLn 2$628K
Cash and savings togetherLn 1–2$1.1M
Land, buildings, equipmentLn 10c$3K
Other assetsLn 15$10K
Total assetsLn 16$1.2M
LiabilitiesLn 26$266K
Net assetsLn 32$957K
OperationsPt I, VI
EmployeesI 523
VolunteersI 61
Fiscal year endsHeaderMarch
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$874K$1.1M
Land, buildings, equipmentLn 10c$4K$3K
Total assetsLn 16$984K$1.2M
LiabilitiesLn 26$114K$266K
Net assetsLn 32$870K$957K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$49K$49K
Grants to domestic individualsLn 2$6K$6K
Pay of current officers, directors and key staffLn 5$164K$115K$33K$16K
Other salaries and wagesLn 7$567K$359K$164K$44K
Other employee benefitsLn 9$92K$60K$25K$8K
Payroll taxesLn 10$55K$36K$15K$5K
Accounting feesLn 11c$30K$19K$8K$3K
Professional fundraising feesLn 11e$30K$30K
Other fees for servicesLn 11g$60K$58K$2K
Advertising and promotionLn 12$140$140
Office expensesLn 13$29K$24K$4K$2K
Information technologyLn 14$28K$18K$7K$2K
OccupancyLn 16$8K$5K$2K$675
TravelLn 17$23K$19K$4K$12
Conferences, conventions and meetingsLn 19$32K$29K$3K
Depreciation, depletion and amortizationLn 22$2K$1K$559$172
InsuranceLn 23$9K$6K$2K$764
Total functional expensesLn 25$1.2M$805K$270K$111K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $1.3M$1.2M$83K$957K 990 PDF
FY2024 $975K$1.1M−$152K$870K 990 PDF
FY2023 $1.2M$1.4M−$240K$1.0M 990 PDF
FY2022 $1.7M$1.8M−$143K$1.3M 990 PDF
FY2021 $1.2M$2.3M−$1.1M$1.4M 990 PDF
FY2020 $941K$2.9M−$1.9M$2.5M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $1,269,490 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $816,592$1,230,453
I-9 Program service revenuePrior year $120,482$10,996
I-10 Investment incomePrior year $31,583$20,694
I-11 Other revenuePrior year $6,116$7,347
I-12 Total revenuePrior year $974,773$1,269,490
I-13 Grants and similar amounts paidPrior year $83,590$55,400
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $845,090$878,397
I-16a Professional fundraising feesPrior year $57,000$30,500
I-17 Other expensesPrior year $141,161$222,088
I-18 Total expensesPrior year $1,126,841$1,186,385
I-19 Revenue less expensesPrior year −$152,068$83,105
Part VI · Governance 6 of 6 board members independent, no flags
VI-1a Voting members of the governing body6
VI-1b Independent voting members6
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,269,490 across 7 lines filed
VIII-1c Fundraising events$205,575
VIII-1f All other contributions, gifts and grants$1,024,878
VIII-1h Total contributions, gifts and grants$1,230,453
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $10,996$10,996
VIII-3 Investment incomeExcluded from tax $20,694$20,694
VIII-8 Net income from fundraising events$7,347
VIII-12 Total revenueRelated to mission $10,996 · Excluded from tax $20,694$1,269,490
Part IX · Statement of functional expenses $1,186,385 across 17 lines filed
IX-1 Grants to domestic organizationsPrograms $49,200$49,200
IX-2 Grants to domestic individualsPrograms $6,200$6,200
IX-5 Pay of current officers, directors and key staffPrograms $114,800 · Management $32,800 · Fundraising $16,400$164,000
IX-7 Other salaries and wagesPrograms $359,437 · Management $163,933 · Fundraising $43,758$567,128
IX-9 Other employee benefitsPrograms $59,594 · Management $24,901 · Fundraising $7,653$92,148
IX-10 Payroll taxesPrograms $35,755 · Management $14,817 · Fundraising $4,549$55,121
IX-11c Accounting feesPrograms $19,148 · Management $7,949 · Fundraising $2,640$29,737
IX-11e Professional fundraising feesFundraising $30,500$30,500
IX-11g Other fees for servicesPrograms $57,946 · Management $2,180$60,126
IX-12 Advertising and promotionPrograms $140$140
IX-13 Office expensesPrograms $24,152 · Management $3,737 · Fundraising $1,557$29,446
IX-14 Information technologyPrograms $18,145 · Management $7,483 · Fundraising $2,282$27,910
IX-16 OccupancyPrograms $5,425 · Management $2,237 · Fundraising $675$8,337
IX-17 TravelPrograms $19,008 · Management $4,128 · Fundraising $12$23,148
IX-19 Conferences, conventions and meetingsPrograms $29,406 · Management $2,895$32,301
IX-22 Depreciation, depletion and amortizationPrograms $1,348 · Management $559 · Fundraising $172$2,079
IX-23 InsurancePrograms $5,695 · Management $2,405 · Fundraising $764$8,864
IX-25 Total functional expensesPrograms $805,399 · Management $270,024 · Fundraising $110,962$1,186,385
Part X · Balance sheet $1,222,629 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $209,221$517,809
X-2 Savings and temporary cash investmentsStart of year $664,628$628,015
X-3 Pledges and grants receivableStart of year $71,165$45,300
X-9 Prepaid expenses and deferred chargesStart of year $23,944$18,613
X-10c Land, buildings and equipment, netStart of year $3,957$3,256
X-15 Other assetsStart of year $10,991$9,636
X-16 Total assetsStart of year $983,906$1,222,629
X-17 Accounts payable and accrued expensesStart of year $5,550$28,970
X-19 Deferred revenue$115,000
X-25 Other liabilitiesStart of year $108,260$121,766
X-26 Total liabilitiesStart of year $113,810$265,736
X-27 Net assets without donor restrictionsStart of year $438,131$333,975
X-28 Net assets with donor restrictionsStart of year $431,965$622,918
X-32 Total net assets or fund balancesStart of year $870,096$956,893
X-33 Total liabilities and net assetsStart of year $983,906$1,222,629
Part XI · Reconciliation of net assets $956,893 net assets at year end
XI-1 Total revenue$1,269,490
XI-2 Total expenses$1,186,385
XI-3 Revenue less expenses$83,105
XI-4 Net assets at start of year$870,096
XI-5 Net unrealized gains (losses) on investments$3,692
XI-10 Net assets at end of year$956,893

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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