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Nonprofit · EIN 04-2488502

NATIONAL CONSUMER LAW CENTER INC

Tax-exempt · BOSTON, MA 02110

Financials

$19.7M$14.1M2023$21.6M$14.6M2024
Revenue Expenses · by fiscal year end
Financials of NATIONAL CONSUMER LAW CENTER INC by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990$21,563,869$14,612,802$6,951,067$49,396,636$3,205,791$46,190,845
December 31, 2023990$19,660,295$14,132,327$5,527,968$43,334,375$4,137,194$39,197,181
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$6,684,696
of which government grants
$392,676
Program service revenue
$12,505,009
Investment income
$2,374,164
Net gain from sales of assets
$788,484
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$1,904,474
Other salaries and wages
$6,646,426
Salaries, compensation and benefits (total)
$10,628,536
Professional fundraising fees
$0
Accounting fees
$49,200
Occupancy
$536,943
Travel
$193,896
Depreciation
$313,808
Program services (functional)
$11,379,051
Management and general (functional)
$2,222,110
Fundraising (functional)
$1,011,641

Balance sheet and other

Total assets, start of year
$43,334,375
Total assets, end of year
$49,396,636
Total liabilities, end of year
$3,205,791
Net assets, end of year
$46,190,845
Land, buildings and equipment
$889,300
Publicly traded securities
$40,622,369
Net assets without donor restrictions
$39,322,751
Net assets with donor restrictions
$6,868,094
Gross receipts
$23,482,010
Employees
79
Volunteers
12
Year formed
1971
State of legal domicile
MA

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2024, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
RICHARD DUBOISEXECUTIVE DIRECTOR
Officer
40$278,750$48,675
CAROLYN CARTERDEPUTY DIRECTOR
Officer
40$237,471$23,762
STEPHEN HURLEYCHIEF DEVELOPMENT OFFICER
Officer
40$206,729$42,188
MARGARET KOHLERCHIEF FINANCIAL OFFICER
Officer
40$204,883$43,184
KAREN LUSSONSENIOR ATTORNEY
Highest-paid employee
40$188,794$32,292
MARGOT SAUNDERSSENIOR ATTORNEY
Highest-paid employee
40$196,922$22,639
JEREMIAH BATTLESENIOR ATTORNEY
Highest-paid employee
40$185,603$31,717
SVETLANA LADANDIRECTOR OF OPERATIONS AND IT
Officer
40$170,813$43,470
SHENNAN KAVANAGHDIRECTOR OF LITIGATION
Highest-paid employee
40$185,765$23,727
LAUREN SAUNDERSASSOCIATE DIRECTOR
Officer
40$198,540$7,914
OLIVIA WEINSENIOR ATTORNEY
Highest-paid employee
40$194,050$7,465
MICHELLE BATES DEAKINCHIEF COMMUNICATIONS OFFICER
Officer
40$192,677$4,074
JONATHAN SHELDONPUBLISHER STAFF ATTORNEY
Officer
32$145,064$39,683
MICHAEL FERRYPRESIDENT
Trustee or director, Officer
1$0$0
DANCY MCKINNEY-PARKERVICE PRESIDENT
Trustee or director, Officer
1$0$0
10 more people on this return
NameTitleHours / weekCompensation
ODETTE WILLIAMSONSECRETARY/TREASURER
Trustee or director, Officer
1$0
BEVERLY COURTNEYDIRECTOR
Trustee or director
1$0
DOLORES S SMITHDIRECTOR
Trustee or director
1$0
JONATHAN L KRAVETZDIRECTOR
Trustee or director
1$0
MARK E BUDNITZDIRECTOR
Trustee or director
1$0
LATRYNA D CARLTONDIRECTOR
Trustee or director
1$0
DEEPAK GUPTADIRECTOR
Trustee or director
1$0
MARTHA TAMAYODIRECTOR
Trustee or director
1$0
ELIZABETH CABRASERDIRECTOR (AS OF 2/24)
Trustee or director
1$0
DAVID VLADECKDIRECTOR (UNTIL 12/24)
Trustee or director
1$0
990 for the year ended December 31, 2023: 25 people
NameTitleHours / weekCompensationOther / benefits
RICHARD DUBOISEXECUTIVE DIRECTOR
Officer
40$270,699$43,073
CAROLYN CARTERDEPUTY DIRECTOR
Officer
40$228,091$22,212
MARGARET KOHLERCHIEF FINANCIAL OFFICER
Officer
40$197,745$40,702
STEPHEN HURLEYCHIEF DEVELOPMENT OFFICER
Officer
40$198,245$39,816
MARGOT SAUNDERSSENIOR ATTORNEY
Highest-paid employee
40$190,659$28,212
STUART ROSSMANDIRECTOR OF LITIGATION
Highest-paid employee
40$185,506$31,191
KAREN LUSSONSENIOR ATTORNEY
Highest-paid employee
40$182,930$30,943
JEREMIAH BATTLESENIOR ATTORNEY
Highest-paid employee
40$179,889$30,257
ANDREA BOPP STARKSENIOR ATTORNEY
Highest-paid employee
40$171,746$38,307
SVETLANA LADANDIRECTOR OF OPERATIONS AND IT
Officer
40$164,366$39,230
LAUREN SAUNDERSASSOCIATE DIRECTOR
Officer
40$185,626$13,680
MICHELLE BATES DEAKINCHIEF COMMUNICATIONS OFFICER
Officer
40$180,581$732
JONATHAN SHELDONPUBLISHER STAFF ATTORNEY
Officer
32$140,995$33,642
MICHAEL FERRYPRESIDENT
Trustee or director, Officer
1$0$0
DANCY MCKINNEY-PARKERVICE PRESIDENT
Trustee or director, Officer
1$0$0
BEVERLY COURTNEYDIRECTOR
Trustee or director
1$0$0
DAVID VLADECKDIRECTOR
Trustee or director
1$0$0
DOLORES S SMITHDIRECTOR
Trustee or director
1$0$0
JONATHAN L KRAVETZDIRECTOR
Trustee or director
1$0$0
MARK E BUDNITZDIRECTOR
Trustee or director
1$0$0
LATRYNA D CARLTONDIRECTOR
Trustee or director
1$0$0
DEEPAK GUPTADIRECTOR
Trustee or director
1$0$0
MARTHA TAMAYODIRECTOR
Trustee or director
1$0$0
NANCY BARRONDIRECTOR
Trustee or director
1$0$0
ODETTE WILLIAMSONSECRETARY/CLERK/TREASURER
Officer
1$0$0

Address and contacts

Address (IRS master file)
7 WINTHROP SQ 4TH FLOOR, BOSTON, MA 02110-1245
Principal officer (990 for 2024)
RICHARD DUBOIS, 7 WINTHROP SQUARE 4TH FLOOR, BOSTON, MA 021101006
Signed the 990
RICHARD DUBOIS, EXECUTIVE DIRECTOR
Phone
(617) 542-8010
Return prepared by
AAFCPAS INC

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.

990 for the year ended December 31, 2024

Program accomplishments

  • 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

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
04-2488502
Tax-exempt status
501(c)(3): Charitable, religious, educational or scientific organization
Foundation status
Publicly supported organization (170(b)(1)(A)(vi))
Donations deductible (Pub 78)
Public charity, 50% deduction limit
Exempt since
1973
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$49,396,636
Income (IRS master file)
$23,482,010

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$21,563,869$14,612,802$49,396,636XML
990December 2023$19,660,295$14,132,327$43,334,375XML
990December 2022$12,493,790$12,724,016$35,032,375IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-2488502).

Questions about NATIONAL CONSUMER LAW CENTER INC

What is the EIN of NATIONAL CONSUMER LAW CENTER INC?
The employer identification number (EIN) of NATIONAL CONSUMER LAW CENTER INC is 04-2488502.
Is NATIONAL CONSUMER LAW CENTER INC tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1973.
Are donations to NATIONAL CONSUMER LAW CENTER INC tax-deductible?
Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
Which annual return does NATIONAL CONSUMER LAW CENTER INC file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of NATIONAL CONSUMER LAW CENTER INC due?
The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
When did NATIONAL CONSUMER LAW CENTER INC last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2024.
Who is the principal officer of NATIONAL CONSUMER LAW CENTER INC?
The 990 for the year ended December 31, 2024 names RICHARD DUBOIS.
Who are the officers and directors of NATIONAL CONSUMER LAW CENTER INC?
The 990 for the year ended December 31, 2024 lists 25 people; 13 received compensation from the organization, the highest $278,750 (RICHARD DUBOIS, EXECUTIVE DIRECTOR).
How much revenue does NATIONAL CONSUMER LAW CENTER INC have?
On its 990 for the year ended December 31, 2024 it reported revenue of $21,563,869, expenses of $14,612,802 and total assets of $49,396,636 at year end.

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