2025-11-12T18:08:06-06:00 2024-12-31 953001179 WINDES INC 2050 MAIN ST STE 1300 IRVINE CA 92614 990 2024-01-01 953993720 CONSUMER WATCHDOG CONS 3103920522 6330 SAN VICENTE BLVD STE 250 LOS ANGELES CA 90048 JAMIE COURT PRESIDENT 3103920522 2025-11-11 1 1 ELEANOR A LIVINGSTON CPA MST P00226461 9498529433 2025-11-11 2024 2025-03-06 01:10:19Z JAMIE COURT 6330 SAN VICENTE BLVD STE 250 LOS ANGELES CA 90048 5893051 0 X WWW.CONSUMERWATCHDOG.ORG X 1985 CA TO CONDUCT PUBLIC EDUCATION, RESEARCH AND LITIGATION ON ISSUES INCLUDING CONSUMER PROTECTION AND GOVERNMENT REFORM. 5 4 17 40 0 0 2501245 1696890 975831 4028528 149396 162633 -192616 5000 3433856 5893051 0 1000 0 0 2519346 2598368 0 0 56705 1502659 3143852 4022005 5743220 -588149 149831 4475329 5335939 661196 1371975 3814133 3963964 X TO CONDUCT EDUCATIONAL AND RESEARCH ACTIVITIES AND LITIGATION ON CONSUMER AND PUBLIC INTEREST ISSUES INCLUDING, WITHOUT LIMITATION, ISSUES AFFECTING CONSUMER PROTECTION AND GOVERNMENT REFORM; AND TO MAKE SAID RESEARCH AVAILABLE TO THE PUBLIC. 0 0 3631205 4028528 IN 2024, CWD ISSUED 90 NEWS RELEASES AND GENERATED APPROXIMATELY 2000 NEWS STORIES ON THESE TOPICS THAT APPEARED ON STATE AND NATIONAL TELEVISION AND RADIO PROGRAMS, AND IN PRINT AND ONLINE NEWS OUTLETS.LITIGATION -- CONSUMER WATCHDOG (CWD) WORKS TO PROTECT CONSUMERS IN THE COURTS AND BEFORE ADMINISTRATIVE AGENCIES. CWD LITIGATED TO PROTECT CONSUMER ACCESS TO THE HEALTH CARE AND INSURANCE BENEFITS THEY ARE PROMISED, PREVENT INSURANCE COMPANIES FROM VIOLATING CONSUMER PROTECTION LAWS, ENSURE TRANSPARENCY IN GOVERNMENT, AND RETURN ILLEGAL INSURANCE OVERCHARGES. IN 2024, CWD'S INTERVENTIONS AT THE CALIFORNIA DEPARTMENT OF INSURANCE TO PREVENT EXCESSIVE INSURANCE RATE INCREASES BY AUTO AND HOME INSURANCE COMPANIES SAVED CONSUMERS $1 BILLION ON HOME AND AUTO INSURANCE. CWD ALSO CHALLENGED HOME INSURANCE COMPANIES' FAILURE TO GIVE HOMEOWNERS RATE RELIEF FOR TAKING STEPS TO PROTECT THEIR HOMES FROM WILDFIRE, AND AUTO INSURANCE COMPANY PRACTICES MAKING IT HARDER FOR GOOD DRIVERS TO OBTAIN COVERAGE. CWD TESTIFIED AT MULTIPLE WORKSHOPS AT THE DEPARTMENT OF INSURANCE TO EXPOSE LOOPHOLES AND CONSUMER HARMS IN PROPOSED REGULATIONS REGARDING THE USE OF BLACK BOX WILDFIRE MODELS AND REINSURANCE COSTS, ADVOCATING FOR ACCOUNTABILITY, RELIABILITY AND TRANSPARENCY AS INSURANCE COMPANIES SEEK NEW WAYS TO RAISE RATES. CWD CONTINUED LITIGATING SUITS AGAINST AUTO INSURANCE COMPANIES FOR DISCRIMINATING AGAINST CERTAIN MEMBERS OF THE MILITARY AND FOR OVERCHARGING POLICYHOLDERS DURING THE CORONAVIRUS PANDEMIC, AND CONTINUED REPRESENTING PLAINTIFFS LIVING WITH HIV IN A SUIT AGAINST CVS FOR UNLAWFULLY DISCLOSING HIV STATUS AND/OR PUTTING INDIVIDUALS AT RISK OF SUCH A DISCLOSURE, AS WELL AS PROVIDING THEM A LOWER TIER OF SERVICE. 740999 ENERGY REFORM -- CONSUMER WATCHDOG (CWD) INVESTIGATES THE REGULATION OF COMPANIES GENERATING FOSSIL FUELS AND POLLUTION, ADVOCATES TO IMPROVE OVERSIGHT OF THE OIL, GAS, AND UTILITY INDUSTRIES, AND FIGHTS FOR RELIABLE, AFFORDABLE, AND CLEAN ENERGY. IN 2024, CWD EDUCATED THE PUBLIC ABOUT THE NEED TO LIMIT FOSSIL FUEL SUPPLIES IN THE FIGHT AGAINST CLIMATE CHANGE, INCLUDING CURBING OIL DRILLING. CWD CONDUCTED EXTENSIVE RESEARCH SHOWING OIL REFINERS' PROFITS ARE CONSISTENTLY HIGHER IN CALIFORNIA THAN ACROSS THE NATION, ADVOCATED FOR REGULATIONS IMPOSING A PRICE-GOUGING PENALTY ON REFINERS, AND SUPPORTED SUCCESSFUL LEGISLATION MANDATING REFINERS MAINTAIN A MINIMUM GASOLINE SUPPLY TO STABILIZE PRICES. CWD BACKED SUCCESSFUL LEGISLATION TO CLOSE 800 ACTIVE OIL WELLS IN LOS ANGELES THIS DECADE AND HELPED STOP A REFERENDUM CHALLENGING A NEW BAN ON COMMUNITY OIL DRILLING. CWD PUBLISHED QUARTERLY UPDATES TO ITS ONLINE MAP DOCUMENTING THE EXTENT OF OIL AND GAS WELL PERMITTING IN THE STATE OF CALIFORNIA, MAINTAINING PUBLIC PRESSURE FOR AN END TO NEW EXTRACTION PERMITS AND A HEALTH AND SAFETY BUFFER BETWEEN HOMES AND WELLS. CWD BACKED POLLUTER PAYS LEGISLATION TO HOLD OIL COMPANIES RESPONSIBLE FOR HEALTH AND ENVIRONMENTAL HARMS. 614226 HEALTHCARE & INSURANCE REFORM -- CONSUMER WATCHDOG (CWD) FIGHTS TO PROTECT CONSUMERS FROM HOME, AUTO AND HEALTH INSURANCE ABUSES, TO IMPROVE PATIENT SAFETY AND ACCOUNTABILITY IN THE HEALTH CARE SYSTEM, AND FOR UNIVERSALLY ACCESSIBLE AND AFFORDABLE HEALTH CARE. IN 2024 CWD ORGANIZED PATIENTS WHO HAVE BEEN HARMED BY MEDICAL NEGLIGENCE TO SHARE THEIR STORIES AND ADVOCATE FOR IMPROVED ACCOUNTABILITY FOR DOCTORS BEFORE THE LEGISLATURE AND MEDICAL BOARD OF CALIFORNIA. CWD ORGANIZED FAMILIES HARMED BY THE MATERNAL MORTALITY CRISIS AND GREW COMMUNITY HEALTH FAIRS FOCUSED ON MATERNAL HEALTH AWARENESS. CWD WORKS TO ENFORCE AND PROTECT CALIFORNIA'S INSURANCE REFORM PROPOSITION 103, WHICH REGULATES AUTO, HOMEOWNERS AND SMALL BUSINESS INSURANCE. CWD EDUCATED THE PUBLIC, NEWS MEDIA AND POLICYMAKERS ABOUT RATE SAVINGS AND CONSUMER PROTECTIONS UNDER PROP 103, INSURANCE INDUSTRY PROFITABILITY IN THE STATE, AND FOUGHT REGULATIONS BY THE STATE'S TOP REGULATOR THAT ROLL BACK ACCOUNTABILITY AT THE INSURANCE INDUSTRY'S BEHEST. CWD ADVOCATED FOR LEGISLATION TO REQUIRE INSURANCE COMPANIES TO COVER HOMEOWNERS WHO DO WILDFIRE MITIGATION AS A RESPONSE TO THE GROWING HOMEOWNERS INSURANCE CRISIS. 446570 PRIVACY, CORPORATE ACCOUNTABILITY & POLITICAL REFORM -- CONSUMER WATCHDOG (CWD) EDUCATES THE PUBLIC ABOUT ISSUES RELATED TO CONSUMER RIGHTS, PRIVACY, TECHNOLOGY AND POLITICAL REFORM, AND RESEARCHES AND INFORMS THE PUBLIC ABOUT CORPORATE INVOLVEMENT IN THE POLITICAL PROCESS. IN 2024, CWD ADVOCATED AT THE STATE PRIVACY AGENCY FOR STRONG REGULATIONS TO COMBAT UNFAIR DECISION-MAKING AND BIAS BY AUTOMATED DECISION-MAKING AND AI. CWD ISSUED THREE NEW PRIVACY REPORTS ON TRACKING AND COLLECTION OF CONSUMER DATA, INCLUDING "SURVEILLANCE PRICE GOUGING," WHICH EXPOSED THE GROWING PRACTICE OF CONSUMERS BEING CHARGED DIFFERENT PRICES BASED ON SURVEILLANCE. CWD RESEARCHED AND EXPOSED THE CONFLICTS OF INTEREST CREATED BY CORPORATE CAMPAIGN CONTRIBUTIONS TO POLITICIANS ACROSS OUR PROGRAM AREAS. 446570 5433000 1 1 0 1 0 0 0 0 0 0 1 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 1 1 0 0 0 1 10 0 1 17 1 0 0 0 0 0 0 0 0 0 0 0 0 X 5 4 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X JAMIE COURT 3103920522 6330 SAN VICENTE BLVD STE 250 LOS ANGELES CA 90048 JAMIE COURT PRESIDENT 49.50 0.50 X X 355740 0 63051 ELLEN SNORTLAND TREASURER/SECRETARY 1.00 X X 0 0 0 SCOTT OLSEN BOARD MEMBER 1.00 X 0 0 0 ROSEANN DEMORO BOARD MEMBER 1.00 X 0 0 0 TAMMY SMICK BOARD MEMBER 1.00 X 0 0 0 CARMEN BALBER EXECUTIVE DIRECTOR 49.50 0.50 X 215911 0 21394 GERALD FLANAGAN LITIGATION DIRECTOR 44.50 0.50 X 193701 0 22424 PAMELA PRESSLEY SENIOR STAFF ATTORNEY 40.00 X 187425 0 47362 ELIZABETH TUCKER ADVOCATE 40.00 X 111368 0 6505 BENJAMIN ARMSTRONG STAFF ATTORNEY 40.00 X 200000 0 9087 1264145 0 169823 6 0 1 0 ZOHAR LAW FIRM 1100 GLENDON AVE STE 1500 LOS ANGELES CA 90024 LEGAL SERVICES 942670 AIS RISK CONSULTANTS INC 4400 ROUTE 9 SOUTH STE 1000 FREEHOLD NJ 07728 ACTUARIAL SERVICES 802276 HARVEY ROSENFIELD 6330 SAN VICENTE BLVD STE 250 LOS ANGELES CA 90048 LEGAL SERVICES 450000 STONE ADVOCACY LLC 1611 10TH ST 2 SACRAMENTO CA 95814 CONSULTING AND LOBBYING 110000 4 1696890 1696890 ATTORNEY FEES 541100 4028528 4028528 4028528 162633 162633 MISCELLANEOUS INCOME 900099 5000 5000 5000 5893051 4028528 0 167633 X 1000 1000 859882 810753 37723 11406 1335119 1261259 55788 18072 49818 46333 2920 565 210513 195788 12337 2388 143036 135755 6380 901 1408536 1396805 11731 49446 49446 110125 110125 874504 858670 780 15054 22351 21943 408 37490 16439 17490 3561 41061 23387 17173 501 407704 390528 14437 2739 85746 66013 18458 1275 744 744 18243 14230 4013 21597 19938 1659 RESEARCH MATERIAL 44328 44310 18 DUES AND SUBSCRIPTION 20120 18980 897 243 TAXES AND LICENSES 1857 1857 5743220 5433000 253515 56705 722876 1780410 3162031 2024268 115000 49526 414069 202504 174539 41054 27965 434368 1039701 4475329 5335939 187244 304950 473952 1067025 661196 1371975 X 3691234 3731845 122899 232119 3814133 3963964 4475329 5335939 149831 0 X 0 1 X 1 0 X 1225503 1682876 2938834 2501245 1696890 10045348 1225503 1682876 2938834 2501245 1696890 10045348 802716 9242632 42741 5507 24124 149396 162633 384401 5000 9229 5000 19229 10448978 9675524 0.88450 0.88280 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: MISCELLANEOUS - 2020 AMOUNT: $ 5,000. 2021 AMOUNT: $ 9,229. 2024 AMOUNT: $ 5,000. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 5469 148417 153886 5339832 5493718 424686 106172 0 0 340942 350330 345556 424686 1461514 2192271 297452 269622 120216 153886 841176 85236 87583 86389 106172 365380 548070 3604 3000 7155 5469 19228 13219 6193 7026 176110 155171 20939 13175 13175 0 27965 DEPOSITS 31515 OPERATING LEASE RIGHT OF USE ASSETS 1007987 EMPLOYEE RECEIVABLE 199 1039701 OPERATING LEASE LIABILITIES 1062055 DUE TO RELATED PARTY 4970 1067025 X 5893051 0 5893051 0 5893051 5743220 0 5743220 0 5743220 PART X, LINE 2: THE ORGANIZATION HAS BEEN DESIGNATED AS TAX-EXEMPT UNDER INTERNAL REVENUE CODE SECTION 501(C)(3), IS ALSO EXEMPT FROM STATE FRANCHISE TAXES UNDER SECTION 23701(D) OF THE CALIFORNIA REVENUE AND TAXATION CODE, AND IS NOT GENERALLY SUBJECT TO FEDERAL OR STATE INCOME TAXES. GENERALLY ACCEPTED ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. IT REQUIRES THAT AN ORGANIZATION RECOGNIZE IN THE FINANCIAL STATEMENTS THE IMPACT OF THE TAX POSITION IF THAT POSITION WILL MORE LIKELY THAN NOT BE SUSTAINED ON AUDIT, BASED ON THE TECHNICAL MERITS OF THE POSITION. AS OF AND FOR THE YEAR ENDED DECEMBER 31, 2024, THE ORGANIZATION HAD NO UNRECOGNIZED TAX BENEFITS, TAX PENALTIES, OR INTEREST. THE ORGANIZATION IS SUBJECT TO POTENTIAL INCOME TAX AUDITS ON OPEN TAX YEARS BY ANY TAXING JURISDICTION IN WHICH IT OPERATES. THE STATUTE OF LIMITATIONS FOR FEDERAL PURPOSES IS THREE YEARS AND FOR CALIFORNIA IS FOUR YEARS. X X X 0 0 0 0 0 0 0 0 0 JAMIE COURT PRESIDENT 355740 0 0 0 0 0 17787 0 45264 0 418791 0 0 0 CARMEN BALBER EXECUTIVE DIRECTOR 215911 0 0 0 0 0 10482 0 10912 0 237305 0 0 0 PAMELA PRESSLEY SENIOR STAFF ATTORNEY 187425 0 0 0 0 0 9371 0 37991 0 234787 0 0 0 GERALD FLANAGAN LITIGATION DIRECTOR 193701 0 0 0 0 0 10482 0 11942 0 216125 0 0 0 BENJAMIN ARMSTRONG STAFF ATTORNEY 200000 0 0 0 0 0 0 0 9087 0 209087 0 0 0 HARVEY ROSENFIELD FOUNDER 450000 LEGAL SERVICES 0 FORM 990, PART VI, SECTION B, LINE 11B LINE 11A EXPLANATION - FORM 990 REVIEW PROCESS - THE AUDIT COMMITTEE OF THE ORGANIZATION HAS ENGAGED AN INDEPENDENT CPA FIRM TO PREPARE THE ORGANIZATION'S ANNUAL INFORMATION RETURN, IRS FORM 990. THE PRESIDENT, EXECUTIVE DIRECTOR AND OUTSIDE LEGAL COUNSEL REVIEW THE ORGANIZATION'S FORM 990, AND IT IS THEN FORWARDED TO ALL MEMBERS OF THE BOARD BEFORE IT IS FILED. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST POLICY - THE BOARD HAS AN ANNUAL DISCUSSION OF POTENTIAL CONFLICTS OF INTEREST THAT MAY ARISE, AT WHICH TIME THE PRESIDENT REITERATES THE OBLIGATION OF DIRECTORS TO DISCLOSE ANY CONFLICTS OR POTENTIAL CONFLICTS AS THEY ARISE. THE EXECUTIVE DIRECTOR MONITORS ALL MAJOR FINANCIAL TRANSACTIONS TO ENSURE THAT NO CONFLICT INVOLVING A DIRECTOR, KEY EMPLOYEE OR MEMBER OF STAFF COULD ARISE. FORM 990, PART VI, SECTION B, LINE 15 OFFICER COMPENSATION REVIEW - THE ORGANIZATION REVIEWS THE POSITION COMPENSATION OF SIMILAR ORGANIZATIONS TO EVALUATE REASONABLENESS, AND THE INDEPENDENT MEMBERS OF THE BOARD DETERMINE THE COMPENSATION OF THE PRESIDENT BY VOTE. OFFICER COMPENSATION IS REVIEWED ON AN ANNUAL BASIS WITH THE POSITION COMPENSATION OF SIMILAR ORGANIZATIONS. FORM 990, PART VI, SECTION C, LINE 19 OTHER ORGANIZATION DOCUMENTS PUBLICLY AVAILABLE - OUR FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART IX, LINE 11G OUTSIDE SERVICES: PROGRAM SERVICE EXPENSES 51,125. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 15,000. TOTAL EXPENSES 66,125. PAYROLL PROCESSING FEES: PROGRAM SERVICE EXPENSES 5,269. MANAGEMENT AND GENERAL EXPENSES 780. FUNDRAISING EXPENSES 54. TOTAL EXPENSES 6,103. EXPERT WITNESSES: PROGRAM SERVICE EXPENSES 802,276. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 802,276. CONSUMER WATCHDOG CAMPAIGN 6330 SAN VICENTE BLVD STE 250 LOS ANGELES CA 90048 954469690 PUBLIC EDUCATION AND CONSUMER ADVOCACY CA 501(C)(4) CONSUMER WATCHDOG 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 0 0