Nebraskans for Responsible Lending: FY2020 Nonprofit Profile & Form 990 (EIN 84-2988349)

Revenue by fiscal year
FY2020	$2.3M
FY2021	$0

Net assets by fiscal year
FY2020	$33K
FY2021	$2K

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2021.

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

Where the money goes

97 cents of each dollar spent went to programs.

97%

Program services 97% · $2.4M Management & general 3% · $63K

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

4 people listed on the 990; $14K paid to officers and key staff.

Part VII, Section A · reportable compensation

Jessica Lathrop

Treasurer

$14,000Pt VII · Sec A

Albert Davis III

President

$0Pt VII · Sec A

Thomas a Wagoner JR

Vice President

$0Pt VII · Sec A

Father Damian Zuerlin

Secretary

$0Pt VII · Sec A

See Nebraskans for Responsible Lending 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 15aNo

Programs and updates

Stopping predatory payday lending debt traps for Nebraska families.

Questions for Nebraskans for Responsible Lending

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Provided by the organization

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1 program · $2.4M · in their own filed words · FY2020

01

Securing signatures for the petition to put the initiative to lower payday loan rates on the ballot

$2.4Mprogram expense

Funders

Who pays for it.

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

Grants

Schedule I · funders on record

Grants received · FY2020

Sixteen Thirty FundFY2020$1.1M

American Civil Liberties Union INCFY2020$558K

Nebraska Appleseed Action FundFY2020$105K

Total grants receivedfrom 3 funders$1.7M

See all 3 funders →

By the numbers

The FY2020 990, line by line.

Download 990

from philanthropy.org

1The main four

Money inPt VIII

$2.3M

Ln 12

Gifts and grantsLn 1h$2.3M

Money outPt IX

$2.4M

Ln 25

Programscol B$2.4M

Managementcol C$63K

Owns and owesPt X

$33K

net assets · Ln 32

Cash and savingsLn 1–2$33K

Total assetsLn 16$33K

LiabilitiesLn 26$0

PeoplePt VI, VII

4

listed · VII A

PaidVII A1

Voting boardVI 1a4

IndependentVI 1b4

2In more detail

Revenue in detailPt VIII

Gifts and grantsLn 1h$2.3M

Total revenueLn 12$2.3M

Assets in detailPt X, end of year

CashLn 1$33K

Cash and savings togetherLn 1–2$33K

Total assetsLn 16$33K

LiabilitiesLn 26$0

Net assetsLn 32$33K

OperationsPt I, VI

EmployeesI 51

VolunteersI 60

Fiscal year endsHeaderDecember

Conflict-of-interest policyVI 12aNo

Whistleblower policyVI 13No

Records policyVI 14No

3Year over year

Balance sheet, start vs end of yearPt X · col A, B

Line	Start FY20	End FY20
Cash and savingsLn 1–2	$209K	$33K
Total assetsLn 16	$209K	$33K
LiabilitiesLn 26	$0	$0
Net assetsLn 32	$209K	$33K

4Every line

Statement of functional expensesPt IX · every line

Line	Total	Programs	Management	Fundraising
Pay of current officers, directors and key staffLn 5	$14K		$14K
Other salaries and wagesLn 7	$32K	$32K
Payroll taxesLn 10	$3K	$3K
Management feesLn 11a	$26K	$26K
Legal feesLn 11b	$28K		$28K
Accounting feesLn 11c	$2K		$2K
Other fees for servicesLn 11g	$645K	$645K
Advertising and promotionLn 12	$1.7M	$1.7M
Office expensesLn 13	$8K		$8K
Information technologyLn 14	$10K		$10K
Other expenses (24a–d)Ln 24	$726		$726
Total functional expensesLn 25	$2.4M	$2.4M	$63K	$0

Filing history

Year	Money in	Money out	In minus out	Net assets	Download
FY2021 Latest	$0			$2K	990 PDF
FY2020 Viewing	$2.3M	$2.4M	−$176K	$33K	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 FY2020 990 (6 parts)

Part I · Summary $2,255,730 revenue, 12 lines filed

I-8 Contributions and grantsPrior year $972,000$2,255,730

I-9 Program service revenuePrior year $0$0

I-10 Investment incomePrior year $0$0

I-11 Other revenuePrior year $0$0

I-12 Total revenuePrior year $972,000$2,255,730

I-13 Grants and similar amounts paidPrior year $0$0

I-14 Benefits paid to membersPrior year $0$0

I-15 Salaries and benefitsPrior year $0$48,851

I-16a Professional fundraising feesPrior year $0$0

I-17 Other expensesPrior year $763,005$2,383,136

I-18 Total expensesPrior year $763,005$2,431,987

I-19 Revenue less expensesPrior year $208,995−$176,257

Part VI · Governance 4 of 4 board members independent, 4 to look at

VI-1a Voting members of the governing body4

VI-1b Independent voting members4

VI-12a Written conflict of interest policyNo

VI-13 Written whistleblower policyNo

VI-14 Document retention and destruction policyNo

VI-15a Process for setting top official's payNo

VI-2 Family or business relationship among officers or directorsNo

Part VIII · Statement of revenue $2,255,730 across 3 lines filed

VIII-1f All other contributions, gifts and grants$2,255,730

VIII-1h Total contributions, gifts and grants$2,255,730

VIII-12 Total revenueRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$2,255,730

Part IX · Statement of functional expenses $2,431,987 across 11 lines filed

IX-5 Pay of current officers, directors and key staffManagement $14,000$14,000

IX-7 Other salaries and wagesPrograms $32,231$32,231

IX-10 Payroll taxesPrograms $2,620$2,620

IX-11a Management feesPrograms $26,000$26,000

IX-11b Legal feesManagement $27,648$27,648

IX-11c Accounting feesManagement $1,750$1,750

IX-11g Other fees for servicesPrograms $644,655$644,655

IX-12 Advertising and promotionPrograms $1,663,694$1,663,694

IX-13 Office expensesManagement $8,274$8,274

IX-14 Information technologyManagement $10,389$10,389

IX-24 Other expenses (24a–d)Management $726$726

IX-25 Total functional expensesPrograms $2,369,200 · Management $62,787 · Fundraising $0$2,431,987

Part X · Balance sheet $32,738 assets, 5 lines filed

X-1 Cash, non-interest-bearingStart of year $208,995$32,738

X-16 Total assetsStart of year $208,995$32,738

X-26 Total liabilitiesStart of year $0$0

X-32 Total net assets or fund balancesStart of year $208,995$32,738

X-33 Total liabilities and net assetsStart of year $208,995$32,738

Part XI · Reconciliation of net assets $32,738 net assets at year end

XI-1 Total revenue$2,255,730

XI-2 Total expenses$2,431,987

XI-3 Revenue less expenses−$176,257

XI-4 Net assets at start of year$208,995

XI-9 Other changes in net assets$0

XI-10 Net assets at end of year$32,738

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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Nebraskans for Responsible Lending FY2020 filing

Before you give

Is it real?

Where the money goes

Who runs it and what they're paid

Questions the 990 asks

Programs and updates

Questions for Nebraskans for Responsible Lending

Funders

Grants

By the numbers

Filing history

Schedules filed Part IV