CONSUMER EDUCATION SERVICES INC: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: CONSUMER EDUCATION SERVICES INC (EIN 56-2106758)
Tax period: 2016-07-01 to 2017-06-30
Filed: 2017-10-27
IRS object ID: 201743009349301614
Schema version: 2016v3.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule B
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-10-27T15:52:18-04:00	ReturnTs
Tax Period End	2017-06-30	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	200427530	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	RIVES & ASSOCIATES LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	4515 FALLS OF NEUSE ROAD SUITE 450	AddressLine1Txt
City	RALEIGH	CityNm
State Abbreviation	NC	StateAbbreviationCd
ZIP	27609	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2016-07-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	562106758	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CONSUMER EDUCATION SERVICES INC	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CONS	BusinessNameControlTxt
Phone	9198615340	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3700 BARRETT DR	AddressLine1Txt
City	RALEIGH	CityNm
State Abbreviation	NC	StateAbbreviationCd
ZIP	27609	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DR DIANE CHEN	PersonNm
Person Title	CEO/SECRETARY OF BOA	PersonTitleTxt
Phone	9198615340	PhoneNum
Signature	2017-10-09	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	THOMAS B CORNWELL CPA	PreparerPersonNm
PTIN	P00901347	PTIN
Phone	9198326848	PhoneNum
Preparation	2017-10-25	PreparationDt

Filing Security Information FilingSecurityInformation

Field	Value	IRS element (for citing)
At Submission Creation Device Id	0F2550738D488F53F56428640779112F7D63D220	AtSubmissionCreationDeviceId
At Submission Filing Device Id	43F9164A0A51129370D0BA8D0C50CA946E2AAA97	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2016	TaxYr
Build TS	2021-01-29 14:40:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	DR DIANE CHEN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3700 BARRETT DRIVE	AddressLine1Txt
City	RALEIGH	CityNm
State Abbreviation	NC	StateAbbreviationCd
ZIP	27609	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$14,731,846	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	WWW.CESISOLUTIONS.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1998	FormationYr
Legal Domicile State	NC	LegalDomicileStateCd
Activity Or Mission	CONSUMER EDUCATION SERVICES, INC ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL LIFE'S MILESTONES OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	97	TotalEmployeeCnt
Total Volunteers	22	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
PY Contributions Grants	$1,683,888	PYContributionsGrantsAmt
CY Contributions Grants	$1,851,114	CYContributionsGrantsAmt
PY Program Service Revenue	$5,125,259	PYProgramServiceRevenueAmt
CY Program Service Revenue	$5,022,699	CYProgramServiceRevenueAmt
PY Investment Income	-$299,494	PYInvestmentIncomeAmt
CY Investment Income	$944,095	CYInvestmentIncomeAmt
PY Other Revenue	$70,851	PYOtherRevenueAmt
CY Other Revenue	$61,305	CYOtherRevenueAmt
PY Total Revenue	$6,580,504	PYTotalRevenueAmt
CY Total Revenue	$7,879,213	CYTotalRevenueAmt
PY Grants And Similar Paid	$7,415,379	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,970,477	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,118,157	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,085,685	PYOtherExpensesAmt
CY Other Expenses	$4,476,916	CYOtherExpensesAmt
PY Total Expenses	$18,471,541	PYTotalExpensesAmt
CY Total Expenses	$8,595,073	CYTotalExpensesAmt
PY Revenues Less Expenses	-$11,891,037	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$715,860	CYRevenuesLessExpensesAmt
Total Assets BOY	$23,753,463	TotalAssetsBOYAmt
Total Assets EOY	$23,838,092	TotalAssetsEOYAmt
Total Liabilities BOY	$3,238,338	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$2,618,725	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$20,515,125	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$21,219,367	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	CONSUMER EDUCATION SERVICES, INC ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL LIFE'S MILESTONES OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Expense	$5,700,115	ExpenseAmt
Revenue	$4,658,482	RevenueAmt
Desc	CREDIT COUNSELING AND EDUCATION- THIS PROGRAM ASSIST CLIENTS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF DEBT MANAGEMNT SERVICES, CREDIT COUNSELING, EDUCATION AND TRAINING, AND BUDGET PLANNING. CESI OFFERS ASSISTANCE OVER THE PHONE, ONLINE, AND IN PERSON. CERTIFIED CREDIT COUNSELORS DISCUSS VARIOUS OPTIONS WITH CLIENTS REGARDING FINANCIAL DECISIONS. THEY ASSESS INDIVIDUALS' PERSONAL FINANCIAL SITUATIONS AND ASSIST THEM IN DEVELOPING A BUDGET IN ORDER TO IMPROVE THEIR OVERALL CREDIT. DURING THE FISCAL YEAR ENDING JUNE 30, 2017 APPROXIMATELY 18,104 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FREE EDUCATIONAL RESOURCE MATERIALS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$560,780	ExpenseAmt
Desc	COMMUNITY EDUCATION OUTREACH - CESI SUPPORTS THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. CESI'S OUTREACH EFFORTS INCLUDE GROUP EDUCATION PROGRAMS IN A CLASSROOM SETTING, TYPICALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. DURING THE FISCAL YEAR ENDING JUNE 30, 2017 CESI CONDUCTED 188 CLASSES ASSISTING 4,122 INDIVIDUAL OR FAMILIES AT IN-PERSON CLASSROOM SESSIONS COVERING TOPICS SUCH AS: BUDGETING AND SAVING, BANKING, IDENTITY THEFT PROTECTION, UNDERSTANDING YOUR CREDIT REPORT, FINANCES AFTER JOB LOSS, GOAL SETTING, RETIREMENT SAVINGS, CREDIT AND DEBT. THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. CESI OFFERS A WIDE VARIETY OF COURSES COVERING FINANCIAL TOPICS GEARED TOWARD AN ADULT OR A YOUTH AUDIENCE. WE UTILIZE A TEAM OF COMMUNITY EDUCATORS TO CONDUCT CLASSES AND ASSIST THE COMMUNITY PARTNERS. CESI OFFERS NUMEROUS FINANCIAL EDUCATIONAL RESOURCES, WHICH ARE EASILY ACCESSED BY ALL CONSUMERS AND NOT JUST CESI CUSTOMERS. THESE RESOURCES ARE DESIGNED TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND TO ACHIEVE THE GOAL OF BECOMING DEBT FREE. IN ADDITION, CONSUMERS MAY PARTICIPATE IN CESI'S FREE ONLINE COURSES. THROUGH CESI COMPREHENSIVE GUIDE TO PERSONAL FINANCE, WHICH PROVIDES A COMPREHENSIVE FINANCIAL LITERACY CURRICULUM THAT OFFERS SELF-PACED INSTRUCTIONAL SESSIONS. THIS PROGRAM ASSISTS CONSUMERS WITH THE NECESSARY SKILLS TO IMPROVE THEIR FINANCIAL MANAGEMENT PRACTICES THAT INCLUDE DEBT MANAGEMENT, MINIMIZING CREDIT CARD SPENDING AND DEVELOPING A BUDGET. CESI ALSO OFFERS A VARIETY OF EDUCATIONAL RESOURCES THAT INCLUDE PERSONAL FINANCIAL CALCULATORS, A QUARTERLY E-NEWSLETTER, EDUCATIONAL BLOGS ON ON- LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Revenue	$364,217	RevenueAmt
Desc	CESI HOMEOWNERSHIP CENTER PROVIDED A VARIETY OF COUNSELING SERVICES, RANGING FROM FORECLOSURE PREVENTION TO PRE PURCHASE, TO 427 INDIVIDUALS AND FAMILIES. APPROXIMATELY 35% OF CLIENTS RECEIVED FORECLOSURE PREVENTION COUNSELING, 35% RECEIVED REVERSE MORTGAGE COUNSELING AND THE REMAINING 30% PRE PURCHASE COUNSELING, GROUP EDUCATION WORKSHOPS AND OTHER SERVICES. WE WORKED WITH COMMUNITY PARTNERS, FACILLITATING HOME BUYER GROUP EDUCATION WORKSHOPS FOR COMMUNITY LAND TRUSTEES AND HABITAT FOR HUMANITY OF WAKE COUNTY. CESI STAFF ALSO PARTICIPATED IN OVER A DOZEN COMMUNITY OUTREACH EVENTS, INCLUDING OUR SIGNATURE NATIONAL HOMEWOWNERSHIP MONTHLY COMMUNITY DAY CELEBRATION, DURHAM BULL CITY VETERANS STAND DOWN 2017 AND CAPITAL AREA VETERANS STAND DOWN 2016. THE PURPOSE OF THE BULL CITY VETEANS STANDDOWN AND CAPITAL AREA VETERANS STANDDOWN IS TO ASSIST ALL VETERANS IN THE AREAS OF HEALTHCARE, VA BENEFITS AND CONSULTATION, MENTAL HEALTH/SUBSTANCE ABUSE, LEGAL EDUCATION, SPIRITUAL GUIDANCE, SOCIAL SERVICES EMPLOYMENT ASSISTANCE AND DENTAL CLINIC. CESI ALSO ASSIST CONSUMERS THROUGH THE NORTH CAROLINA HOUSING FINANCE AGENCY (NCHFA). THE FIRST PROJECT IS STATE HOME FORECLOSURE PREVENTION PROJECT (SHFPP) WHICH HELPS NORTH CAROLINA HOMEOWNERS WHO HAVE RECEIVED A 45 DAY LETTER FROM THEIR SERVICER TO AVOID FORECLOSURE BY PUTTING THEM IN CONTACT WITH A HUD HOUSING COUNSELING AGENCIES WHO CAN ASSIST THEM WITH LOSS MITIGATION OPTIONS. OTHER PROJECTS ARE HARDEST HIT FUND(HHF), NORTH CAROLINA FORECLOSURE PREVENTION FUND(FPF), OR MORTGAGE PAYMENT PROGRAM (MPP). THESE PROJECTS HELP NORTH CAROLINA HOMEOWNERS WHO HAVE LOST THEIR JOBS OR HAVE EXPERIENCED SOME OTHER TYPE OF EMPLOYMENT RELATED FINANCIAL HARDSHIP TO MAKE THEIR MORTGAGE PAYMENTS WHILE THEY LOOK FOR A JOB OR RETRAIN FOR A NEW JOB. BETWEEN JULY 1, 2016 AND JUNE 30, 2017 CESI HANDLED 83,956 PHONE CALLS FROM CONSUMERS THAT EITHER RECEIVED LETTERS FROM NCHFA OR WHO HAVE LEARNED ABOUT THE FPF PROGRAM VIA THE WEBSITE NCFORECLOSUREPREVENTION.GOV OR OTHER TYPE OF MARKETING THAT HAS BEEN DONE FOR THE PROGRAM.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

Field	Value	IRS element (for citing)
Expense	$648,106	ExpenseAmt
Desc	DEBT MANAGEMENT PROGRAM - THIS PROGRAM PROVIDES SERVICES TO ITS DEBT MANAGEMENT PARTICIPANTS WITH RESPECT TO PROCESSING PAYMENTS, WORKING WITH CREDITORS TO SECURE A REDUCTION IN INTEREST RATES, AND EDUCATING AND TRAINING CLIENTS TO BETTER MANAGE THEIR FINANCES. BANKRUPTCY COUNSELING - CESI OFFERS BANKRUPTCY COUNSELING FOR INDIVIDUALS IN NEED OF EITHER PRE-FILING CREDIT COUNSELING OR POST-FILING DEBTOR EDUCATION. BEFORE AN INDIVIDUAL FILES FOR CHAPTER 7 OR CHAPTER 13 BANKRUPTCY, A CREDIT COUNSELING CERTIFICATE FROM AN EOUST APPROVED AGENCY IS REQUIRED. CESI PROVIDES THE REQUIRED COUNSELING FOR OUR CLIENTS IN ORDER TO OBTAIN THE CERTIFICATE. THIS CAN BE DONE BOTH ONLINE AND BY PHONE. AFTER COMPLETING THE CREDIT COUNSELING AND FILING FOR BANKRUPTCY, INDIVIDUALS ARE REQUIRED TO COMPLETE A DEBTOR EDUCATION COURSE BY AN EOUST APPROVED PROVIDER. THIS COURSE IS OFFERED BOTH ONLINE AND BY PHONE. BOTH PRE-CREDIT COUNSELING AND POST-CREDIT COUNSELING ARE PERFORMED BY CERTIFIED COUNSELORS.	Desc

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$648,106	TotalOtherProgSrvcExpenseAmt
Total Program Service Expenses	$6,909,001	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (true)	DescribedInSection501c3Ind
Schedule B Required	Yes (true)	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Lobbying Activities	false	LobbyingActivitiesInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	Yes (true)	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Engaged In Excess Benefit Trans	false	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	false	PYExcessBenefitTransInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	false	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	8	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	97	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	false	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	false	MembersOrStockholdersInd
Election Of Board Members	false	ElectionOfBoardMembersInd
Decisions Subject To Approva	false	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	NC	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	WV	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	IL	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	OR	StatesWhereCopyOfReturnIsFldCd
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	STEVEN COLE	PersonNm
Phone	9198615340	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3700 BARRETT DRIVE	AddressLine1Txt
City	RALEIGH	CityNm
State Abbreviation	NC	StateAbbreviationCd
ZIP	27609	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (8 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
DR DIANE CHEN
CEO/SECRETAR	40.00	Yes (X)	Yes (X)	$172,843	$0	$18,920
AMY BLACKWELL
BOARD MEMBER	5.00	Yes (X)		$0	$0	$0
ROBERT J FITZGERALD
CHAIRMAN	10.00	Yes (X)	Yes (X)	$0	$0	$0
MATTHEW MALL
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
WAYNE STALLINGS
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
ALEXIS NELSON
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
NAVEED IFTIKAR
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
STEVE COLE
TREASURER	40.00		Yes (X)	$83,757	$0	$12,042

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$256,600	TotalReportableCompFromOrgAmt
Total Other Compensation	$30,962	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
NATIONAL DEBT RELIEF
11 BROADWAY 16TH FLOOR	NEW YORK	NY	10004	MARKETING	$1,288,840
GOOGLE
PO BOX 39000	SAN FRANCISCO	CA	94139	MARKETING	$740,422
NWN
1015 AVIATION PARKWAY SUITE 100	MORRISVILLE	NC	27560	IT	$165,863
BILLSCOM
1875 S GRANT STREET	SAN MATEO	CA	94402	MARKETING	$104,600

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt
All Other Contributions	$1,851,114	AllOtherContributionsAmt
Total Contributions	$1,851,114	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
DEBT MANAGEMENT PROGRAM	$3,986,217	$3,986,217
COUNSELING PROGRAMS	$672,265	$672,265
HOUSING SERVICES	$364,217	$364,217

Field	Value	IRS element (for citing)
Total Program Service Revenue	$5,022,699	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$532,648	TotalRevenueColumnAmt
Exclusion	$532,648	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$7,264,080	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$6,852,633	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$411,447	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$411,447	TotalRevenueColumnAmt
Exclusion	$411,447	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	OTHER INCOME	Desc
Total Revenue Column	$61,305	TotalRevenueColumnAmt
Related Or Exempt Func Income	$61,305	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$61,305	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,879,213	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,084,004	RelatedOrExemptFuncIncomeAmt
Exclusion	$944,095	ExclusionAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,314,432	TotalAmt
Program Services	$2,817,267	ProgramServicesAmt
Management And General	$497,165	ManagementAndGeneralAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$523,679	TotalAmt
Management And General	$523,679	ManagementAndGeneralAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$280,046	TotalAmt
Program Services	$238,039	ProgramServicesAmt
Management And General	$42,007	ManagementAndGeneralAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$80,764	TotalAmt
Program Services	$68,649	ProgramServicesAmt
Management And General	$12,115	ManagementAndGeneralAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$23,000	TotalAmt
Management And General	$23,000	ManagementAndGeneralAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$103,679	TotalAmt
Management And General	$103,679	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$2,281,283	TotalAmt
Program Services	$2,281,283	ProgramServicesAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$460,573	TotalAmt
Program Services	$408,691	ProgramServicesAmt
Management And General	$51,882	ManagementAndGeneralAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$239,366	TotalAmt
Program Services	$203,461	ProgramServicesAmt
Management And General	$35,905	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$43,860	TotalAmt
Program Services	$39,474	ProgramServicesAmt
Management And General	$4,386	ManagementAndGeneralAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$12,702	TotalAmt
Program Services	$10,797	ProgramServicesAmt
Management And General	$1,905	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$55,706	TotalAmt
Management And General	$55,706	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$76,447	TotalAmt
Program Services	$64,980	ProgramServicesAmt
Management And General	$11,467	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$63,660	TotalAmt
Program Services	$54,111	ProgramServicesAmt
Management And General	$9,549	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
DMP SUPPORTING COSTS	$256,852	$256,852
BANKRUPTCY	$194,920	$165,682	$29,238
BAD DEBT	$194,526		$194,526
LICENSES AND PERMITS	$138,302	$138,302

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$251,276	TotalAmt
Program Services	$161,413	ProgramServicesAmt
Management And General	$89,863	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$8,595,073	TotalAmt
Program Services	$6,909,001	ProgramServicesAmt
Management And General	$1,686,072	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,621,624	BOYAmt
EOY	$1,457,420	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$1,086,254	BOYAmt
EOY	$738,334	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$952,852	BOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$70,440	BOYAmt
EOY	$83,843	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$2,651,997	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,559,317	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,155,830	BOYAmt
EOY	$1,092,680	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$14,378,487	BOYAmt
EOY	$17,933,136	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,487,976	BOYAmt
EOY	$2,532,679	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$23,753,463	BOYAmt
EOY	$23,838,092	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$488,259	BOYAmt
EOY	$418,197	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$806,693	BOYAmt
EOY	$643,357	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$1,679,723	BOYAmt
EOY	$1,248,805	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$263,663	BOYAmt
EOY	$308,366	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,238,338	BOYAmt
EOY	$2,618,725	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows SFAS117	Yes (X)	OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$20,515,125	BOYAmt
EOY	$21,219,367	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$20,515,125	BOYAmt
EOY	$21,219,367	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$23,753,463	BOYAmt
EOY	$23,838,092	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$715,860	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,420,102	NetUnrlzdGainsLossesInvstAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Public Organization170	Yes (X)	PublicOrganization170Ind

Gifts Grants Contri Rcvd170 GiftsGrantsContriRcvd170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$5,000,680	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,927,709	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$2,724,938	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$1,683,888	CurrentTaxYearMinus1YearAmt
Current Tax Year	$1,851,114	CurrentTaxYearAmt
Total	$15,188,329	TotalAmt

Total Calendar Year170 TotalCalendarYear170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$5,000,680	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,927,709	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$2,724,938	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$1,683,888	CurrentTaxYearMinus1YearAmt
Current Tax Year	$1,851,114	CurrentTaxYearAmt
Total	$15,188,329	TotalAmt

Field	Value	IRS element (for citing)
Substantial Contributors Tot	$5,257,810	SubstantialContributorsTotAmt
Public Support Total170	$9,930,519	PublicSupportTotal170Amt

Gross Investment Income170 GrossInvestmentIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$1,717,659	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$1,631,220	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$890,075	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$959,195	CurrentTaxYearMinus1YearAmt
Current Tax Year	$532,648	CurrentTaxYearAmt
Total	$5,730,797	TotalAmt

Unrelated Business Net Incm170 UnrelatedBusinessNetIncm170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus3 Years	$132,282	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$215,706	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$7,619	CurrentTaxYearMinus1YearAmt
Total	$355,607	TotalAmt

Field	Value	IRS element (for citing)
Total Support	$21,274,733	TotalSupportAmt
Gross Receipts Rltd Activities	$125,710,255	GrossReceiptsRltdActivitiesAmt
Public Support CY170	0.46680	PublicSupportCY170Pct
Public Support PY170	0.56830	PublicSupportPY170Pct
Thirty Thr Pct Suprt Tests CY170	Yes (X)	ThirtyThrPctSuprtTestsCY170Ind

Schedule B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$156,896	InvestmentCostOrOtherBasisAmt
Book Value	$156,896	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$1,127,650	InvestmentCostOrOtherBasisAmt
Depreciation	$222,054	DepreciationAmt
Book Value	$905,596	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$1,284,737	InvestmentCostOrOtherBasisAmt
Depreciation	$1,268,315	DepreciationAmt
Book Value	$16,422	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$82,714	InvestmentCostOrOtherBasisAmt
Depreciation	$68,948	DepreciationAmt
Book Value	$13,766	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,092,680	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (3 entries)

DescDesc	Book ValueBookValueAmt
INTANGIBLE PROPERTY	$2,200,000
NONQUALIFIED RETIREMENT PLAN ASSETS	$308,366
SECURITY DEPOSITS	$24,313

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$2,532,679	TotalBookValueOtherAssetsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	NONQUALIFIED RETIREMENT PLAN LIABILI	Desc
Amt	$308,366	Amt

Field	Value	IRS element (for citing)
Total Liability	$308,366	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$9,299,315	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$1,420,102	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$1,420,102	RevenueNotReportedAmt
Revenue Subtotal	$7,879,213	RevenueSubtotalAmt
Total Revenue Per Form990	$7,879,213	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$8,595,073	TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal	$8,595,073	ExpensesSubtotalAmt
Total Expenses Per Form990	$8,595,073	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

SCHEDULE D, PAGE 2, PART IV, LINE 2B

CESI OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CLIENTS IN PAYING THEIR UNSECURED DEBTS FUNDS RECIEVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE DEPOSITED INTO VARIOUS DEPOSITORY ACCOUNTS AND IN TO A SEPARATE FOR THE BENEFIT OF OTHER ACCOUNT (THE "FBO ACCOUNT") ON A DAILY BASIS. FUNDS RESIDING IN THE FBO ACCOUNTS ARE DISBURSED TO CESI'S OPERATING ACCOUNT AS CONTRIBUTIONS MADE TO CESI BY CREDITORS AND/OR CLIENTS. CERTAIN STATES REQUIRE THAT CLIENTS FUNDS BE HELD IN A DEPOSITORY ACCOUNT WITHIN THAT STATE UNTIL THE RESPECTICVE CREDITORS ARE PAID. IN THIS SITUATION CREDITORS ARE PAID FROM MONIES FROM THIS STATE'S DEPOSITORY ACCOUNT. INTEREST INCOME EARNED ON FUNDS HELD IN THE VARIOUS RESTRICTED ACCOUNTS IS USED TO PAY FOR BANK FEES AND OTHER EXPENSES. CESI IS RESPONSIBLE FOR ANY EXCESS EXPENSE ARISING FROM THE ACTIVITIES OF THESE ACCOUNTS.

SCHEDULE D, PAGE 3, PART X

CESI HAS ADOPTED THE PROVISIONS OF FASB ASX 740-10-25, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. UNDER THIS PROVISION, AN ORGANIZATION MUST RECOGNIZE THE TAX BENEFIT ASSOCIATED WITH TAX PROVISIONS FOR THE TAX RETURN PURPOSES WHEN IT IS MORE LIKELY THAN NOT THE POSITION WILL BE SUSTAINED. THE IMPLEMENTATION OF THIS STANDARD HAS HAD NO IMPACT ON CESI'S FINANCIAL STATEMENT. CURRENTLY, THE 2014, 2015, AND 2016 TAX YEARS ARE OPEN AND SUBJECT TO EXAMINATION BY THE TAXING AUTHORITIES. CESI DOES NOT BELIEVE THERE ARE ANY MATERIAL UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, IT HAS NOT RECOGNIZED ANY LIABILITIES FOR THE UNRECOGNIZED TAX BENEFIT.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	false	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	false	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	false	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	false	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	false	AnyNonFixedPaymentsInd
Initial Contract Exception	false	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	DR DIANE CHEN	PersonNm
Title	CEO/SECRETARY OF BOA	TitleTxt
Base Compensation Filing Org	$172,843	BaseCompensationFilingOrgAmt
Deferred Compensation Flng Org	$18,920	DeferredCompensationFlngOrgAmt
Total Compensation Filing Org	$191,763	TotalCompensationFilingOrgAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990 - ORGANIZATION'S MISSION	CONSUMER EDUCATION SERVICES, INC ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL LIFE'S MILESTONES OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE.
FORM 990, PAGE 2, PART III, LINE 4B	THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. CESI OFFERS A WIDE VARIETY OF COURSES COVERING FINANCIAL TOPICS GEARED TOWARD AN ADULT OR A YOUTH AUDIENCE. WE UTILIZE A TEAM OF COMMUNITY EDUCATORS TO CONDUCT CLASSES AND ASSIST THE COMMUNITY PARTNERS. CESI OFFERS NUMEROUS FINANCIAL EDUCATIONAL RESOURCES, WHICH ARE EASILY ACCESSED BY ALL CONSUMERS AND NOT JUST CESI CUSTOMERS. THESE RESOURCES ARE DESIGNED TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND TO ACHIEVE THE GOAL OF BECOMING DEBT FREE. IN ADDITION, CONSUMERS MAY PARTICIPATE IN CESI'S FREE ONLINE COURSES. THROUGH CESI COMPREHENSIVE GUIDE TO PERSONAL FINANCE, WHICH PROVIDES A COMPREHENSIVE FINANCIAL LITERACY CURRICULUM THAT OFFERS SELF-PACED INSTRUCTIONAL SESSIONS. THIS PROGRAM ASSISTS CONSUMERS WITH THE NECESSARY SKILLS TO IMPROVE THEIR FINANCIAL MANAGEMENT PRACTICES THAT INCLUDE DEBT MANAGEMENT, MINIMIZING CREDIT CARD SPENDING AND DEVELOPING A BUDGET. CESI ALSO OFFERS A VARIETY OF EDUCATIONAL RESOURCES THAT INCLUDE PERSONAL FINANCIAL CALCULATORS, A QUARTERLY E-NEWSLETTER, EDUCATIONAL BLOGS ON ON- LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS.
FORM 990, PAGE 2, PART III, LINE 4C	AND CAPITAL AREA VETERANS STANDDOWN IS TO ASSIST ALL VETERANS IN THE AREAS OF HEALTHCARE, VA BENEFITS AND CONSULTATION, MENTAL HEALTH/SUBSTANCE ABUSE, LEGAL EDUCATION, SPIRITUAL GUIDANCE, SOCIAL SERVICES EMPLOYMENT ASSISTANCE AND DENTAL CLINIC. CESI ALSO ASSIST CONSUMERS THROUGH THE NORTH CAROLINA HOUSING FINANCE AGENCY (NCHFA). THE FIRST PROJECT IS STATE HOME FORECLOSURE PREVENTION PROJECT (SHFPP) WHICH HELPS NORTH CAROLINA HOMEOWNERS WHO HAVE RECEIVED A 45 DAY LETTER FROM THEIR SERVICER TO AVOID FORECLOSURE BY PUTTING THEM IN CONTACT WITH A HUD HOUSING COUNSELING AGENCIES WHO CAN ASSIST THEM WITH LOSS MITIGATION OPTIONS. OTHER PROJECTS ARE HARDEST HIT FUND(HHF), NORTH CAROLINA FORECLOSURE PREVENTION FUND(FPF), OR MORTGAGE PAYMENT PROGRAM (MPP). THESE PROJECTS HELP NORTH CAROLINA HOMEOWNERS WHO HAVE LOST THEIR JOBS OR HAVE EXPERIENCED SOME OTHER TYPE OF EMPLOYMENT RELATED FINANCIAL HARDSHIP TO MAKE THEIR MORTGAGE PAYMENTS WHILE THEY LOOK FOR A JOB OR RETRAIN FOR A NEW JOB. BETWEEN JULY 1, 2016 AND JUNE 30, 2017 CESI HANDLED 83,956 PHONE CALLS FROM CONSUMERS THAT EITHER RECEIVED LETTERS FROM NCHFA OR WHO HAVE LEARNED ABOUT THE FPF PROGRAM VIA THE WEBSITE NCFORECLOSUREPREVENTION.GOV OR OTHER TYPE OF MARKETING THAT HAS BEEN DONE FOR THE PROGRAM.
FORM 990, PAGE 2, PART III, LINE 4D	DEBT MANAGEMENT PROGRAM - THIS PROGRAM PROVIDES SERVICES TO ITS DEBT MANAGEMENT PARTICIPANTS WITH RESPECT TO PROCESSING PAYMENTS, WORKING WITH CREDITORS TO SECURE A REDUCTION IN INTEREST RATES, AND EDUCATING AND TRAINING CLIENTS TO BETTER MANAGE THEIR FINANCES. BANKRUPTCY COUNSELING - CESI OFFERS BANKRUPTCY COUNSELING FOR INDIVIDUALS IN NEED OF EITHER PRE-FILING CREDIT COUNSELING OR POST-FILING DEBTOR EDUCATION. BEFORE AN INDIVIDUAL FILES FOR CHAPTER 7 OR CHAPTER 13 BANKRUPTCY, A CREDIT COUNSELING CERTIFICATE FROM AN EOUST APPROVED AGENCY IS REQUIRED. CESI PROVIDES THE REQUIRED COUNSELING FOR OUR CLIENTS IN ORDER TO OBTAIN THE CERTIFICATE. THIS CAN BE DONE BOTH ONLINE AND BY PHONE. AFTER COMPLETING THE CREDIT COUNSELING AND FILING FOR BANKRUPTCY, INDIVIDUALS ARE REQUIRED TO COMPLETE A DEBTOR EDUCATION COURSE BY AN EOUST APPROVED PROVIDER. THIS COURSE IS OFFERED BOTH ONLINE AND BY PHONE. BOTH PRE-CREDIT COUNSELING AND POST-CREDIT COUNSELING ARE PERFORMED BY CERTIFIED COUNSELORS.
FORM 990, PAGE 6, PART VI, LINE 11B	THE PRESIDENT & CEO AND THE DIRECTOR OF FINANCE ARE RESPONSIBLE FOR REVIEWING AND APPROVING THE FORM 990 AND THE FORM 990-T BEFORE IT IS FILED.
FORM 990, PAGE 6, PART VI, LINE 12C	OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ANNUALLY ON A CONFLICT OF INTEREST FORM. ANY KNOWN CONFLICTS OF INTREST REQUIRE IMMEDIATE DISCLOSURE.
FORM 990, PAGE 6, PART VI, LINE 15A	THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF THE PRESIDENT AND CEO.
FORM 990, PAGE 6, PART VI, LINE 15B	THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF KEY EMPLOYEES.
FORM 990, PAGE 6, PART VI, LINE 19	CESI MAKES IT GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG.