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Nonprofiteer
← NATIONAL CONSUMER LAW CENTER INC

Form 990 for tax year 2024

Filed by NATIONAL CONSUMER LAW CENTER INC.

Totals

Total revenue
$21,563,869
Total expenses
$14,612,802
Contributions and grants received
$6,684,696
Grants paid
$0
Program service revenue
$12,505,009
Investment income
$2,374,164
Other revenue
$0
Total assets, end of year
$49,396,636
Total liabilities, end of year
$3,205,791
Net assets or fund balances, end of year
$46,190,845
Program services expenses (Part IX)
$11,379,051
Management and general expenses
$2,222,110
Fundraising expenses
$1,011,641
Program service expenses (Part III)
$11,379,051

Program services were 77.9% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1d · Related organizations

    $1,200,000

  • 1e · Government grants (contributions)

    $392,676

  • 1f · All other contributions, gifts and grants

    $5,092,020

  • 1g · Noncash contributions included above

    $11,139

  • 2a · Program service revenue: ATTORNEY FEE AWARDS

    total $8,614,290 · related or exempt $8,614,290

  • 2b · Program service revenue: PUBLICATIONS

    total $2,396,224 · related or exempt $2,396,224

  • 2c · Program service revenue: CONFERENCES

    total $1,233,795 · related or exempt $1,233,795

  • 2d · Program service revenue: RENTAL INCOME

    total $221,835 · related or exempt $221,835

  • 2e · Program service revenue: ADVICE AND ASSISTANCE

    total $27,865 · related or exempt $27,865

  • 2f · All other program service revenue

    total $11,000 · related or exempt $11,000

  • 3 · Investment income

    total $1,585,680 · excluded $1,585,680

  • 7a · Gross sales of assets other than inventory

    securities $2,706,625

  • 7b · Less cost or other basis and sales expenses

    securities $1,918,141

  • 7c · Gain or loss

    securities $788,484

  • 7d · Net gain or loss

    total $788,484 · excluded $788,484

Functional expenses

Part IX, the statement of functional expenses.

  • 5 · Compensation of officers, directors and key employees

    total $1,904,474 · program services $793,480 · management and general $828,472 · fundraising $282,522

  • 7 · Other salaries and wages

    total $6,646,426 · program services $5,706,512 · management and general $518,417 · fundraising $421,497

  • 8 · Pension plan contributions

    total $243,897 · program services $213,862 · management and general $13,301 · fundraising $16,734

  • 9 · Other employee benefits

    total $1,204,571 · program services $1,031,403 · management and general $101,623 · fundraising $71,545

  • 10 · Payroll taxes

    total $629,168 · program services $487,338 · management and general $91,978 · fundraising $49,852

  • 11c · Fees: accounting

    total $49,200 · management and general $49,200

  • 11f · Fees: investment management

    total $134,743 · management and general $134,743

  • 11g · Fees: other

    total $838,412 · program services $761,279 · management and general $58,452 · fundraising $18,681

  • 13 · Office expenses

    total $393,294 · program services $184,394 · management and general $151,055 · fundraising $57,845

  • 14 · Information technology

    total $271,967 · program services $198,101 · management and general $42,719 · fundraising $31,147

  • 16 · Occupancy

    total $536,943 · program services $513,460 · management and general $16,011 · fundraising $7,472

  • 17 · Travel

    total $193,896 · program services $158,668 · management and general $33,422 · fundraising $1,806

  • 19 · Conferences, conventions and meetings

    total $843,406 · program services $827,453 · management and general $15,930 · fundraising $23

  • 22 · Depreciation, depletion and amortization

    total $313,808 · program services $285,256 · management and general $19,467 · fundraising $9,085

  • 23 · Insurance

    total $77,656 · program services $51,771 · management and general $17,649 · fundraising $8,236

  • 24a · Other expenses: MISCELLANEOUS

    total $170,402 · program services $11,279 · management and general $125,755 · fundraising $33,368

  • 24b · Other expenses: PUBLICATIONS

    total $141,880 · program services $141,880

  • 24c · Other expenses: PERIODICALS

    total $17,232 · program services $11,488 · management and general $3,916 · fundraising $1,828

  • 24d · Other expenses: LITIGATION EXPENSE

    total $1,427 · program services $1,427

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $511,086 · end of year $2,764,454

  • 2 · Savings and temporary cash investments

    beginning of year $100 · end of year $100

  • 3 · Pledges and grants receivable

    beginning of year $2,557,595 · end of year $3,965,699

  • 4 · Accounts receivable

    beginning of year $137,231 · end of year $111,785

  • 9 · Prepaid expenses and deferred charges

    beginning of year $280,223 · end of year $345,765

  • 10a · Land, buildings and equipment: cost or other basis

    $1,868,486

  • 10b · Land, buildings and equipment: accumulated depreciation

    $979,186

  • 10c · Land, buildings and equipment, net

    beginning of year $1,134,596 · end of year $889,300

  • 11 · Investments: publicly traded securities

    beginning of year $37,884,773 · end of year $40,622,369

  • 15 · Other assets

    beginning of year $828,771 · end of year $697,164

  • 17 · Accounts payable and accrued expenses

    beginning of year $2,619,006 · end of year $1,793,820

  • 19 · Deferred revenue

    beginning of year $976,190 · end of year $1,024,563

  • 25 · Other liabilities

    beginning of year $541,998 · end of year $387,408

  • 27 · Net assets without donor restrictions

    beginning of year $33,639,865 · end of year $39,322,751

  • 28 · Net assets with donor restrictions

    beginning of year $5,557,316 · end of year $6,868,094

Mission and programs · 2024

Mission

THE NATIONAL CONSUMER LAW CENTER WORKS FOR CONSUMER JUSTICE AND ECONOMIC SECURITY FOR LOW-INCOME AND OTHER DISADVANTAGED PEOPLE IN THE U.S. THROUGH ITS EXPERTISE IN POLICY ANALYSIS AND ADVOCACY, PUBLICATIONS, LITIGATION, EXPERT WITNESS SERVICES, AND TRAINING.

Activities or mission (Part I)

SEE SCHEDULE O

  • PROMOTING ECONOMIC OPPORTUNITY FOR PEOPLE WITH LOW-INCOMES BY INCREASING ACCESS TO SUSTAINABLE HOUSING AND HOMEOWNERSHIP, UTILITIES, AND CAR OWNERSHIP.TO REDUCE THE OBSTACLES PEOPLE WITH LOW INCOMES ENCOUNTER IN OBTAINING SAFE HOUSING AND ESSENTIAL TRANSPORTATION, NCLC DEVELOPS AND ADVOCATES REFORMS TO PROMOTE ACCESS TO FAIR LENDING AND HOUSING LAWS, FORECLOSURE AVOIDANCE PROGRAMS, AND AFFORDABLE ACCESS TO UTILITIES. CARS ARE ESSENTIAL FOR MANY FAMILIES TO ACHIEVE ECONOMIC MOBILITY, SO NCLC ALSO PROMOTES EFFECTIVE CAR OWNERSHIP PROGRAMS AND COMBATS MISLEADING AND DISCRIMINATORY SALES AND LENDING PRACTICES. A FOCUS ON ADVANCING EQUITY AND RACIAL JUSTICE IS INTEGRAL TO THIS ADVOCACY, AS SYSTEMIC RACISM IN HOUSING, MORTGAGE AND AUTO LENDING THAT LEADS TO HIGHER RATES OF POVERTY, LACK OF HOUSING, A PERSISTENT WEALTH GAP, AND COMMUNITY DISINVESTMENT.

    Expenses $4,868,124 · Revenue $4,298,807

  • PROTECTING LOW-INCOME PEOPLE, FAMILIES, AND COMMUNITIES FROM PREDATORY LENDING, RISKY FINANCIAL PRODUCTS, ABUSIVE CREDIT REPORTING AND DEBT COLLECTION, AND OTHER FORMS OF ECONOMIC EXPLOITATION. NCLC PURSUES REFORMS TO FEDERAL AND STATE POLICY, REGULATION, AND LEGISLATION TO HELP PEOPLE WITH LOW INCOMES, PEOPLE OF COLOR, JUSTICE-INVOLVED INDIVIDUALS, AND PEOPLE WITH LIMITED ENGLISH PROFICIENCY HAVE ACCESS TO SECURE BANK ACCOUNTS; SAFE ACCESS TO CREDIT WITH INTEREST RATE CAPS; AND A PATH TO PURSUE A FRESH START THROUGH A REASONABLE BANKRUPTCY PROCESS. NCLC ADVANCES POLICY SOLUTIONS TO COMBAT: PREDATORY LENDING; ABUSIVE OVERDRAFT FEES AND INTEREST RATES; SCAM ROBOCALLS AND TEXTS; IRRESPONSIBLE CREDIT REPORTING; CRIPPLING MEDICAL DEBT; FORCED ARBITRATION; JUNK FEES; EXCESSIVE STUDENT LOAN DEBT; AND UNFAIR AND DECEPTIVE DEBT COLLECTION PRACTICES.

    Expenses $3,225,775 · Revenue $4,537,318

  • EDUCATING FRONT-LINE LEGAL SERVICES AND NON-PROFIT LAWYERS, PRIVATE ATTORNEYS, FEDERAL AND STATE POLICYMAKERS, REGULATORY AND ENFORCEMENT OFFICIALS, AND COURTS ABOUT SUBSTANTIVE CONSUMER LAW ISSUES THROUGH CONFERENCES AND TRAININGS, EXPERT WITNESS SERVICES, AND IN-DEPTH TREATISES, REPORTS AND ISSUE BRIEFS. NCLC PROVIDES TRAINING AND EDUCATIONAL RESOURCES TO CONSUMER LAW ATTORNEYS AND ADVOCATES. NCLC PUBLISHES 21 CONSUMER LAW TREATISES ON EVERY ASPECT OF CONSUMER LAW. NCLC ADVOCATES UPDATE ITS DIGITAL LIBRARY REGULARLY AND PROVIDE SAMPLE PLEADINGS, ARTICLES, TRIAL TIPS, AND STRATEGIES. NCLC PRODUCES THREE ANNUAL CONFERENCES, WHICH IN 2024 PROVIDED HIGH-LEVEL TRAINING TO MORE THAN 1,600 LAWYERS. AT CONFERENCES AND IN ONLINE TRAININGS, NCLC TRAINED MORE THAN 11,135 ADVOCATES IN 2024. NCLC LITIGATES CONSUMER LAW CASES ON BEHALF OF ITS LOW-INCOME CLIENTS, AND PROVIDES EXPERT WITNESS SERVICES AND CONSULTING ON CONSUMER LAW AND UTILITY ISSUES.

    Expenses $3,285,152 · Revenue $3,668,884

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

  • Michael Ferry

    PRESIDENT

    Total calculated
    $0
    Hours/week
    1 + 1 related

  • Dancy McKinney-Parker

    VICE PRESIDENT

    Total calculated
    $0
    Hours/week
    1

  • Odette Williamson

    SECRETARY/TREASURER

    Total calculated
    $0
    Hours/week
    1

  • Beverly Courtney

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Dolores S Smith

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Jonathan L Kravetz

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Mark E Budnitz

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Latryna D Carlton

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1 + 1 related

  • Deepak Gupta

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Martha Tamayo

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Elizabeth Cabraser

    DIRECTOR (AS OF 2/24)

    Total calculated
    $0
    Hours/week
    1

  • David Vladeck

    DIRECTOR (UNTIL 12/24)

    Total calculated
    $0
    Hours/week
    1

  • Richard Dubois

    EXECUTIVE DIRECTOR

    Total calculated
    $327,425
    From this org
    $278,750
    From related orgs
    $0
    Other
    $48,675
    Hours/week
    40 + 1 related

    Schedule J breakdown matched by us

    Base
    $278,750
    Bonus
    $0
    Other
    $0
    Deferred
    $13,426
    Nontaxable benefits
    $35,249
    Filer's total
    $327,425

  • Carolyn Carter

    DEPUTY DIRECTOR

    Total calculated
    $261,233
    From this org
    $237,471
    From related orgs
    $0
    Other
    $23,762
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $237,471
    Bonus
    $0
    Other
    $0
    Deferred
    $9,109
    Nontaxable benefits
    $14,653
    Filer's total
    $261,233

  • Margaret Kohler

    CHIEF FINANCIAL OFFICER

    Total calculated
    $248,067
    From this org
    $204,883
    From related orgs
    $0
    Other
    $43,184
    Hours/week
    40 + 1 related

    Schedule J breakdown matched by us

    Base
    $204,883
    Bonus
    $0
    Other
    $0
    Deferred
    $7,935
    Nontaxable benefits
    $35,249
    Filer's total
    $248,067

  • Stephen Hurley

    CHIEF DEVELOPMENT OFFICER

    Total calculated
    $248,917
    From this org
    $206,729
    From related orgs
    $0
    Other
    $42,188
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $206,729
    Bonus
    $0
    Other
    $0
    Deferred
    $6,939
    Nontaxable benefits
    $35,249
    Filer's total
    $248,917

  • Svetlana Ladan

    DIRECTOR OF OPERATIONS AND IT

    Total calculated
    $214,283
    From this org
    $170,813
    From related orgs
    $0
    Other
    $43,470
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $170,813
    Bonus
    $0
    Other
    $0
    Deferred
    $8,221
    Nontaxable benefits
    $35,249
    Filer's total
    $214,283

  • Michelle Bates Deakin

    CHIEF COMMUNICATIONS OFFICER

    Total calculated
    $196,751
    From this org
    $192,677
    From related orgs
    $0
    Other
    $4,074
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $192,677
    Bonus
    $0
    Other
    $0
    Deferred
    $3,342
    Nontaxable benefits
    $732
    Filer's total
    $196,751

  • Lauren Saunders

    ASSOCIATE DIRECTOR

    Total calculated
    $206,454
    From this org
    $198,540
    From related orgs
    $0
    Other
    $7,914
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $198,540
    Bonus
    $0
    Other
    $0
    Deferred
    $7,182
    Nontaxable benefits
    $732
    Filer's total
    $206,454

  • Jonathan Sheldon

    PUBLISHER STAFF ATTORNEY

    Total calculated
    $184,747
    From this org
    $145,064
    From related orgs
    $0
    Other
    $39,683
    Hours/week
    32

    Schedule J breakdown matched by us

    Base
    $145,064
    Bonus
    $0
    Other
    $0
    Deferred
    $14,267
    Nontaxable benefits
    $25,416
    Filer's total
    $184,747

  • Olivia Wein

    SENIOR ATTORNEY

    Total calculated
    $201,515
    From this org
    $194,050
    From related orgs
    $0
    Other
    $7,465
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $193,050
    Bonus
    $1,000
    Other
    $0
    Deferred
    $6,733
    Nontaxable benefits
    $732
    Filer's total
    $201,515

  • Margot Saunders

    SENIOR ATTORNEY

    Total calculated
    $219,561
    From this org
    $196,922
    From related orgs
    $0
    Other
    $22,639
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $196,922
    Bonus
    $0
    Other
    $0
    Deferred
    $6,992
    Nontaxable benefits
    $15,647
    Filer's total
    $219,561

  • Shennan Kavanagh

    DIRECTOR OF LITIGATION

    Total calculated
    $209,492
    From this org
    $185,765
    From related orgs
    $0
    Other
    $23,727
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $185,765
    Bonus
    $0
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $23,727
    Filer's total
    $209,492

  • Karen Lusson

    SENIOR ATTORNEY

    Total calculated
    $221,086
    From this org
    $188,794
    From related orgs
    $0
    Other
    $32,292
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $188,794
    Bonus
    $0
    Other
    $0
    Deferred
    $5,350
    Nontaxable benefits
    $26,942
    Filer's total
    $221,086

  • Jeremiah Battle

    SENIOR ATTORNEY

    Total calculated
    $217,320
    From this org
    $185,603
    From related orgs
    $0
    Other
    $31,717
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $185,603
    Bonus
    $0
    Other
    $0
    Deferred
    $6,262
    Nontaxable benefits
    $25,455
    Filer's total
    $217,320

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 3 · Independent compensation consultant
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee

Answered no

  • 4a · Severance or change-of-control payment
  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 7 · Other non-fixed payments
  • 8 · Paid under the initial-contract exception

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

No itemized grants to organizations on this return.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

Provenance

Return type
form_990
Tax year
2024
Filed
1 August 2025
IRS schema version
2024v5.2
Source object
202502169349300910

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