Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jun 2002.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
84 cents of each dollar spent went to programs.
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
18 people listed on the 990; $850K paid to officers and key staff.
Andrew Kushner’s $151K as Senior Policy Counsel is at the 64th percentile of top reported officer pay among 1147 $1–10M crime & legal nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2020 |
|---|---|---|---|
| Andrew Kushner | $150,782 | — | — |
| Peter Smith | $148,452 | $142,450 | — |
| Mitria Spotser | $143,589 | $131,740 | — |
| Elizabeth J Laderman | $142,640 | $140,857 | — |
| Michael Calhoun | $141,227 | $134,773 | $114,184 |
| Ellen Harnick | $136,684 | $131,849 | $115,203 |
| Nadine B Chabrier | — | $129,788 | — |
| Ricardo Quinto | — | — | $121,686 |
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.
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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
Fights predatory lending and abusive financial practices to protect economic opportunity for low-income families.
Questions for Center for Responsible Lending
Your first name shows with your question. Center for Responsible Lending answers here, for everyone.
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Technical Assistance
Provided legal analysis and market insight on debt collection and abusive lending practices in the areas of mortgage, small loans, and student and auto loans. Proposed policy solutions to consumer and community groups and policymakers in the states and at the federal level.
Outreach/Communications
Raised visibility of abusive small-dollar loan predatory lending issues among national, statewide, and local groups, e.g. civil rights, faith-based, and other grassroots organizations. Similarly brought attention to the need for increasing access to responsible mortgage credit, and disparities in mortgage lending, race, ethnicity, and…
Research Services
Published research reports and analysis describing the average interest rates of payday lending by state, the years to save for a typical down payment by race and ethnicity, location, occupation, and the presence of student debt, a study on the impact of student debt on eligibility for the Paycheck Protection Program, and a study on the…
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $8.2M | $8.0M |
| InvestmentsLn 11–13 | $18K | $16K |
| Land, buildings, equipmentLn 10c | $6K | $72K |
| Total assetsLn 16 | $8.9M | $10.8M |
| LiabilitiesLn 26 | $570K | $471K |
| Net assetsLn 32 | $8.3M | $10.3M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $298K | $298K | ||
| Legal feesLn 11b | $13K | $13K | ||
| Accounting feesLn 11c | $10K | $10K | ||
| Lobbying feesLn 11d | $263K | $263K | ||
| Other fees for servicesLn 11g | $306K | $228K | $68K | $10K |
| Advertising and promotionLn 12 | $51K | $50K | $710 | $859 |
| Office expensesLn 13 | $74K | $32K | $39K | $3K |
| OccupancyLn 16 | $631K | $489K | $95K | $47K |
| TravelLn 17 | $83K | $63K | $19K | $873 |
| Conferences, conventions and meetingsLn 19 | $20K | $20K | ||
| Depreciation, depletion and amortizationLn 22 | $5K | $4K | $698 | $375 |
| InsuranceLn 23 | $5K | $862 | $4K | $94 |
| Other expenses (24a–d)Ln 24 | $5.0M | $4.3M | $477K | $257K |
| All other expensesLn 24e | $303K | $228K | $70K | $4K |
| Total functional expensesLn 25 | $7.1M | $5.9M | $783K | $323K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest | $9.7M | $5.9M | $3.8M | $10.8M | 990 PDF |
| FY2023 | $6.3M | $7.1M | −$828K | $7.0M | 990 PDF |
| FY2022 | $4.8M | $7.0M | −$2.2M | $7.8M | 990 PDF |
| FY2021 | $6.5M | $6.8M | −$307K | $10.0M | 990 PDF |
| FY2020 Viewing | $9.0M | $7.1M | $2.0M | $10.3M | 990 PDF |
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Schedules filed Part IV
See the full FY2020 990 (6 parts)
Part I · Summary $9,048,874 revenue, 12 lines filed
Part VI · Governance 9 of 10 board members independent, no flags
Part VIII · Statement of revenue $9,048,874 across 6 lines filed
Part IX · Statement of functional expenses $7,054,696 across 14 lines filed
Part X · Balance sheet $10,773,995 assets, 12 lines filed
Part XI · Reconciliation of net assets $10,303,170 net assets at year end
Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File
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