2026-09-21T08:30:31-05:00 2025-12-31 541487262 MATTHEWS CARTER & BOYCE PC 12500 FAIR LAKES CIRCLE SUITE 260 FAIRFAX VA 22033 990 2025-01-01 530025360 AMERICAN FINANCIAL SERVICES ASSOCIATION AMER 2022965544 1750 H STREET NW WASHINGTON DC 20006 CECILIA WINSLOW PRESIDENT & CEO 2022965544 2026-09-16 1 CHARLES R DEPPE P01300682 7032183600 2025 CECILIA WINSLOW 1750 H STREET NW WASHINGTON DC 20006 13298592 0 X WWW.AFSAONLINE.ORG X 1916 DC TO PROVIDE INFORMATION TO THE CONSUMER CREDIT INDUSTRY. 56 55 25 0 126550 0 157755 179750 11712919 12020549 797942 1097217 127542 1076 12796158 13298592 0 0 0 0 5887973 7140127 0 0 0 6394018 6318395 12281991 13458522 514167 -159930 24276294 25471311 7268614 7016626 17007680 18454685 AFSA IS THE NATIONAL TRADE ASSOCIATION FOR THE CONSUMER CREDIT INDUSTRY. ITS MEMBERS INCLUDE CONSUMER AND COMMERCIAL FINANCE COMPANIES, AUTO FINANCE COMPANIES, MORTGAGE LENDERS AND SERVICERS, CREDIT CARD ISSUERS, AND INDUSTRY SUPPLIERS. 0 0 ANNUAL MEETINGS AND CONFERENCES - AFSA HOLDS AN ANNUAL MEETING AND SEVERAL CONFERENCES EACH YEAR. THE PROGRAMS ADDRESS ISSUES OF IMPORTANCE TO THE FINANCIAL SERVICES INDUSTRY. AFSA UNIVERSITY IS A WEB-BASED COMPLIANCE TRAINING PROGRAM OFFERING MORE THAN 260 COURSES ON KEY FEDERAL FINANCIAL SERVICES LAWS AND REGULATIONS. THE COURSES ARE TAILORED FOR BOTH BANKS AND NONBANKSACCORDING TO VARIOUS JOB FUNCTIONS AND LINES OF BUSINESS. PUBLICATIONS AND VIDEOS - AFSA PUBLISHES VARIOUS NEWSLETTERS AND A VARIETY OF PAMPHLET BOOKLETS, AND INFORMATIONAL VIDEOS. THESE PUBLICATIONS AND VIDEOS COVER IN DEPTH INFORMATION ON ISSUES OF IMPORTANCE TO THE CONSUMER CREDIT INDUSTRY AND TO THE GENERAL PUBLIC. 0 1 0 1 0 0 0 0 0 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 33 0 1 25 1 1 1 0 0 0 0 0 1 0 X 56 55 0 0 0 0 1 1 0 1 1 0 0 0 1 1 1 1 1 1 0 0 X THE ORGANIZATION 2022965544 1750 H STREET NW WASHINGTON DC 20006 KEVIN REEN DIRECTOR 0.50 X 0 0 0 KRISTIN M KARWAT DIRECTOR 0.50 X 0 0 0 KRISTINA BOLTE DIRECTOR 0.50 X 0 0 0 KYLE R BIRCH IMMEDIATE PAST CHAIR 0.50 X X 0 0 0 LEE HOLZMAN DIRECTOR 0.50 X 0 0 0 LESTER E DEES DIRECTOR 0.50 X 0 0 0 MAGGIE GAGE DIRECTOR 0.50 X 0 0 0 MARK MCCALL DIRECTOR 0.50 X 0 0 0 MARY LEIGH PHILLIPS DIRECTOR 0.50 X 0 0 0 MEG MICHIELS DIRECTOR 0.50 X 0 0 0 NATHAN D BENSON DIRECTOR 0.50 X 0 0 0 OFER ALON DIRECTOR 0.50 X 0 0 0 OLE JENSEN DIRECTOR 0.50 X 0 0 0 KEVIN CULLUM CHAIR ELECT 0.50 X X 0 0 0 PETAR VUCUREVIC DIRECTOR 0.50 X 0 0 0 REBECCA FOX DIRECTOR 0.50 X 0 0 0 RICH HYDE DIRECTOR 0.50 X 0 0 0 RICHARD H PARKER III DIRECTOR 0.50 X 0 0 0 RICHARD J PORRELLO DIRECTOR 0.50 X 0 0 0 ROB BECK DIRECTOR 0.50 X 0 0 0 ROCHELLE MCCLANAHAN VICE CHAIR & TREASURER 0.50 X 0 0 0 SHANNON MOKHIBER DIRECTOR 0.50 X 0 0 0 SHERI WILFORD DIRECTOR 0.50 X 0 0 0 SHUNDA ROBINSON DIRECTOR 0.50 X 0 0 0 SUSAN STRAFFON DIRECTOR 0.50 X 0 0 0 TIM OWENS DIRECTOR 0.50 X 0 0 0 TOM HUDGINS DIRECTOR 0.50 X 0 0 0 TOMMY A MOORE JR DIRECTOR 0.50 X 0 0 0 RE EVERETTE DIRECTOR 0.50 X 0 0 0 JOSH C JOHNSON DIRECTOR 0.50 X 0 0 0 KIMBERLY ANN GERSHON DIRECTOR 0.50 X 0 0 0 JOHN THACKER DIRECTOR 0.50 X 0 0 0 BETTY JOTANOVIC DIRECTOR 0.50 X 0 0 0 CASEY GUNNELL JR DIRECTOR 0.50 X 0 0 0 CHAD PRASHAD DIRECTOR 0.50 X 0 0 0 CHARLES DO DIRECTOR 0.50 X 0 0 0 DAN WALTERS CHAIR 0.50 X X 0 0 0 DOUGLAS TIMMERMAN DIRECTOR 0.50 X 0 0 0 DUSTY CRONE DIRECTOR 0.50 X 0 0 0 EDDIE JONES DIRECTOR 0.50 X 0 0 0 JOSEPH KIPLE DIRECTOR 0.50 X 0 0 0 ELIZABETH ST CHARLES PRIME DIRECTOR 0.50 X 0 0 0 ELLEN FARRELL DIRECTOR 0.50 X 0 0 0 JAMES DROTMAN DIRECTOR 0.50 X 0 0 0 JOEL ECKHAUSE DIRECTOR 0.50 X 0 0 0 EVAN BAKER DIRECTOR 0.50 X 0 0 0 FRANCIS C LEE DIRECTOR 0.50 X 0 0 0 GINGER C HERRING DIRECTOR 0.50 X 0 0 0 HEIDI BOLTON DIRECTOR 0.50 X 0 0 0 JEFFREY E SNYDER DIRECTOR 0.50 X 0 0 0 JEFF HAYMORE DIRECTOR 0.50 X 0 0 0 IAN REHMERT DIRECTOR 0.50 X 0 0 0 ERIN KERBER DIRECTOR 0.50 X 0 0 0 JASON GRUBB DIRECTOR 0.50 X 0 0 0 CECILIA WINSLOW PRESIDENT AND CEO 37.50 X X 627168 0 44904 WILLIAM M HIMPLER DIRECTOR, PRES/CFO 37.50 X X 1167440 0 142285 EDWARD MCFADDEN VP-COMM. 37.50 X 324045 0 57384 DANIELE ARLOWE SR. VP - STATE GOVT 37.50 X 369125 0 63573 TIMOTHY GILL VP & CHIEF ECONOMIST 37.50 X 234225 0 21706 PHILLIP BOHI VP - COMPLIANCE 37.50 X 289095 0 40668 DANIELLE T MCLEAN VP - CFO 37.50 X 265739 0 39433 THOMAS MORANO VP-MTGS 37.50 X 175770 0 16044 MICHELLE BATTALINE DIR - MTGS 37.50 X 218507 0 37671 RHONDA P ASHBURN EXEC. DIR - FOUNDATION 37.50 X 175455 0 41873 A HARTER VP- FED GOV. AFFAIRS 37.50 X 258505 0 46254 PERLA MANUEL CORP. SECRETARY 37.50 X 171041 0 54801 4276115 0 606596 16 0 1 0 DCI GROUP 2000 K ST NW WASHINGTON DC 20006 COMMUNICATION SERVICES 224213 EVODINCE LLC 400 S 4TH ST STE 410 MINNEAPOLIS MN 55415 COMMUNICATON SERVICES 175932 LEONINE PUBLIC AFFAIRS 1 BLANCHARD CT 101 MONTPELIER VT 05602 COMMUNICATION SERVICES 174000 THORN RUN LLC 100 M ST SE 750 WASHINGTON DC 20003 LOBBYING SERVICES 143410 JENKINS HILL CONSULTING 403 LLOYDS LANE ALEXANDRIA VA 22302 LOBBYING SERVICES 120603 5 179750 179750 MEMBERSHIP DUES 900099 8464831 8464831 ANNUAL MEETING & CONF. 900099 3000623 2955723 44900 PUBLICATION & VIDEOS 900099 458395 376745 81650 SPECIAL INTEREST COMMITTEE 900099 96700 96700 12020549 615444 615444 481773 0 481773 481773 481773 OTHER INCOME 900099 1076 1076 1076 13298592 11895075 126550 1097217 3686791 2690672 75419 349812 337433 106148 35000 732457 57839 643733 128468 358854 419485 337438 1878318 69022 67663 OUTSIDE SERVICES 805511 DUES AND SUBSCRIPTIONS 227549 PRINTING 164600 OTHER 162396 123914 13458522 1395004 0 104403 134777 781019 507799 3449365 3314001 161708 135364 18384425 21491922 3449735 3201449 24276294 25471311 801007 627707 2621679 2666926 3845928 3721993 7268614 7016626 X 17007680 18454685 17007680 18454685 24276294 25471311 -159930 1606935 0 X X 0 1 X 1 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 0 8464831 2551480 2551480 3385932 -834452 69666 20804 48862 2331956 2245454 86502 1047743 1047743 0 135364 DUE FROM AFFILIATES 42823 RIGHT OF USE ASSET - OPERATING LEASE 3158626 3201449 LEASE LIABILITY - OPERATING EASE 3585199 CASH OVERDRAFT 136794 3721993 X 15397335 1606935 549647 2156582 13240753 57839 57839 13298592 13933505 532822 532822 13400683 57839 57839 13458522 PART X, LINE 2: THE ASSOCIATION HAS ADOPTED FINANCIAL ACCOUNTING STANDARDS BOARD INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, (FIN 48), AS PERMITTED BY FASB STAFF POSITION (FSP) FIN 48-3, WHICH IS CODIFIED AT FASB ASC 740. FASB ASC 740 REQUIRES CHANGES IN RECOGNITION AND MEASUREMENT FOR UNCERTAIN TAX POSITIONS. THE ASSOCIATION HAS ANALYZED ITS TAX POSITIONS, AND HAS CONCLUDED THAT NO LIABILITY SHOULD BE RECORDED RELATED TO ANY UNCERTAIN TAX POSITIONS. THE ASSOCIATION IS NOT AWARE OF ANY TAX POSITIONS FOR WHICH IT BELIEVES THAT THERE IS A REASONABLE POSSIBILITY THAT THE TAX POSITION WILL CHANGE MATERIALLY IN THE NEXT TWELVE MONTHS. IF THIS POSITION CHANGES, THE ASSOCIATION WILL ASSESS THE IMPACT OF ANY SUCH MATTERS ON ITS FINANCIAL POSITION AND RESULTS OF OPERATIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: PAC REVENUE 549,647. PART XII, LINE 2D - OTHER ADJUSTMENTS: PAC EXPENSES 532,822. X 0 0 0 WILLIAM M HIMPLER DIRECTOR, PRES/CFO 822023 0 340000 0 5417 0 88451 0 53834 0 1309725 0 0 0 CECILIA WINSLOW PRESIDENT AND CEO 516789 0 105600 0 4779 0 14462 0 30442 0 672072 0 0 0 DANIELE ARLOWE SR. VP - STATE GOVT 287240 0 81885 0 0 0 24800 0 38773 0 432698 0 0 0 EDWARD MCFADDEN VP-COMM. 257095 0 66950 0 0 0 23566 0 33818 0 381429 0 0 0 PHILLIP BOHI VP - COMPLIANCE 228285 0 60810 0 0 0 20667 0 20001 0 329763 0 0 0 DANIELLE T MCLEAN VP - CFO 215526 0 50213 0 0 0 17032 0 22401 0 305172 0 0 0 A HARTER VP- FED GOV. AFFAIRS 199280 0 59225 0 0 0 15667 0 30587 0 304759 0 0 0 MICHELLE BATTALINE DIR - MTGS 166879 0 51628 0 0 0 16062 0 21609 0 256178 0 0 0 TIMOTHY GILL VP & CHIEF ECONOMIST 181180 0 53045 0 0 0 16533 0 5173 0 255931 0 0 0 PERLA MANUEL CORP. SECRETARY 126041 0 45000 0 0 0 12064 0 42737 0 225842 0 0 0 RHONDA P ASHBURN EXEC. DIR - FOUNDATION 134052 0 41403 0 0 0 13647 0 28226 0 217328 0 0 0 THOMAS MORANO VP-MTGS 175770 0 0 0 0 0 1099 0 14945 0 191814 0 0 0 FORM 990, PART VI, SECTION A, LINE 1A THE EXECUTIVE COMMITTEE SHALL CONSIST OF TWELVE (12) MEMBERS OF THE BOARD;SEVEN (7) FROM THE TOP ONE-THIRD DUES PAYING BOARD MEMBERS, THREE (3) FROM THE MIDDLE THIRD, AND TWO (2) FROM THE BOTTOM THIRD. THE CHAIR,CHAIR-ELECT, VICE CHAIR, AND CHAIR OF THE SECTION ON INDEPENDENT OPERATIONS, SHALL BE EX-OFFICIO MEMBERS WITH THE RIGHT TO VOTE. THE PRESIDENT/CEO OF THE ASSOCIATION SHALL SERVE ON THE COMMITTEE, BUT SHALL NOT HAVE A VOTE. THERE SHALL BE A SECRETARY WHO SHALL BE THE SECRETARY OF THE ASSOCIATION. THE CHAIR OF THE BOARD SHALL CONCURRENTLY SERVE AS CHAIR OF THE EXECUTIVE COMMITTEE. THE EXECUTIVE COMMITTEE SHALL ALSO SERVE AS THE BUDGET AND AUDIT COMMITTEE. SUBJECT TO LIMITATIONS IMPOSED BY THE BOARD OF DIRECTORS OR BY THE BYLAWS, THE EXECUTIVE COMMITTEE SHALL HAVE AUTHORITY TO GOVERN AND CONTROL THE PROPERTY AND AFFAIRS OF THE ASSOCIATION IN THE INTERIM BETWEEN MEETINGS OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 6 THERE SHALL BE FIVE CLASSES OF MEMBERS OF THE ASSOCIATION: ACTIVE, BUSINESS PARTNER, AFFILIATE, COMMERCIAL, AND FOREIGN. FORM 990, PART VI, SECTION A, LINE 7A DIRECTORS SHALL BE ELECTED BY THE ASSOCIATION AT ITS ANNUAL MEETING FROM AMONG THE REPRESENTATIVES OF ITS ACTIVE AND BUSINESS PARTNER MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY THE PRESIDENT AND CFO PRIOR TO FILING. THE FORM 990 IS MADE AVAILABLE TO ALL BOARD MEMBERS. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD MEMBERS MUST COMPLETE AND FILE A CONFLICT OF INTEREST FORM EACH YEAR. ANY POTENTIAL CONFLICTS ARE REVIEWED BY THE BOARD. AFFECTED BOARD MEMBERS ARE PROHIBITED FROM PARTICIPATING IN DISCUSSIONS AND VOTES ON ISSUES WHERE A POTENTIAL CONFLICT MAY EXIST. FORM 990, PART VI, SECTION B, LINE 15A THE COMPENSATION OF THE PRESIDENT & CEO IS REVIEWED AND APPROVED BY THE CHAIRMAN AND CHAIRMAN-ELECT AS AUTHORIZED BY THE EXECUTIVE COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES COPIES OF IT'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XII, LINE 2C: THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. AFSA PAC 1750 H STREET NW SUITE 300 WASHINGTON DC 20006 521404607 SOLICIT AND MAKE POLITICAL CONTRIBUTIONS DC 527 AFSA 1 NATIONAL INSTALLMENT LENDERS ASSOCIATION PO BOX 65615 WASHINGTON DC 20035 263881154 ADVOCACY FOR INSTALLMENT LOAN COMPANIES DC 501(C)(6) 0 AFSA EDUCATION FOUNDATION 1750 H STREET NW SUITE 300 WASHINGTON DC 20006 521673101 EDUCATE CONSUMERS ON PERSONAL FINANCE CONCEPTS DC 501(C)(3) 170(B)(1)(A)(VI) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0