TY 2021 Form 990

(A)
Name and title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)

(E)
Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)

(F)
Estimated amount of other compensation from the organization and related organizations

(1) ERIC M KAMERATH DIRECTOR......................................................................
AND SECRETARY/TREASURER

10.0
.................
0.0

(2) JOHN HEATH......................................................................
PRESIDENT

2.0
.................
0.0

(3) MIKE DEVICO......................................................................
VICE PRESIDENT

2.0
.................
0.0

(4) MATT LIISTRO......................................................................
DIRECTOR

1.0
.................
0.0

(5) ROBBY BIRNBAUM......................................................................
DIRECTOR

1.0
.................
0.0

(6) JEFFREY JOHNSON......................................................................
VICE PRESIDENT-PART YEAR

1.5
.................
0.0

(A)
Name and title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)

(E)
Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)

(F)
Estimated amount of other compensation from the organization and related organizations

(A)
Name and business address

(B)
Description of services

OGILVY GOVERNMENT RELATIONS,
1111 19TH ST NW SUITE 1100
WASHINGTON,DC20036

GOVERNMENT RELATIONS

158,908

NP CONSULTING,
1100 G ST NW SUITE 750
WASHINGTON,DC20005

PUBLIC RELATIONS

982,496

Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization MediumBullet

- TIN:

SCHEDULE O
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2021

Open to Public
Inspection

Name of the organization

AMERICAN ASSOCIATION OF CONSUMER CREDIT
PROFESSIONALS INC

Employer identification number

84-1839113

Return Reference	Explanation
FORM 990, PART VI, SECTION A, LINE 6	DESCRIPTION OF MEMBERS: THE ORGANIZATION HAS TWO CLASSES OF MEMBERS: FOUNDING MEMBERS AND ACTION MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS WITH POWER TO APPOINT THE GOVERNING BODY: THE ORGANIZATION HAS TWO CLASSES OF MEMBERS: FOUNDING MEMBERS AND ACTION MEMBERS. THE MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS (THE GOVERNING BODY). EACH MEMBER HAS ONE VOTE IN AN ELECTION TO FILL A DIRECTOR POSITION.
FORM 990, PART VI, SECTION A, LINE 7B	GOVERNANCE DECISIONS SUBJECT TO MEMBER APPROVAL: THE FOUNDING MEMBER CLASS HAS THE RIGHT TO: (1) AMEND THE ORGANIZATION'S ARTICLES OF INCORPORATION; (2) EXERCISE OVERSIGHT APPROVAL OR REJECTION OF: CONSOLIDATION/MERGER/SUBSTANTIAL SALE, LEASE, OR EXCHANGE OF ASSETS OF THE ORGANIZATION, BORROWING MONEY/CREATING LIENS/GUARANTEEING DEBTS, DISSOLUTION, ANY CHANGES THAT WOULD PREVENT THE ORGANIZATION FROM QUALIFYING AS TAX-EXEMPT UNDER CODE SECTION 501(C)(6), AND THE ELECTION OF DIRECTORS; AND (3) AMEND A BYLAWS PROVISION THAT AFFECTS THE RIGHT OF THE FOUNDING MEMBER CLASS, NOMINATE AND ELECT FOUNDING MEMBERS, REMOVE FOUNDING MEMBERS, AND ESTABLISH FOUNDING MEMBERS DUES.
FORM 990, PART VI, SECTION A, LINE 8B	COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF GOVERNING BODY: THE ORGANIZATION HAD/HAS NO COMMITTEE WITH AUTHORITY TO ACT ON BEHALF OF THE BOARD OF DIRECTORS. IF THERE WERE ANY SUCH COMMITTEE, THEN YES, MINUTES OR UNANIMOUS WRITTEN CONSENTS WOULD CONTEMPORANEOUSLY DOCUMENT SUCH A COMMITTEE'S MEETING/ACTIONS.
FORM 990, PART VI, SECTION B, LINE 11B	REVIEW PROCESS FOR FORM 990: THE FORM 990 IS PRESENTED TO THE BOARD FOR THEIR REVIEW AND APPROVAL BEFORE FILING.
FORM 990, PART VI, SECTION B, LINE 12C	CONFLICT OF INTEREST POLICY: ALL DIRECTORS ANNUALLY REVIEW THE CONFLICT OF INTEREST POLICY AND COMPLETE WRITTEN STATEMENTS ACKNOWLEDGING THEY HAVE READ THE POLICY AND AGREE TO COMPLY WITH IT. NEW DIRECTORS GO THROUGH THE SAME PROCESS IMMEDIATELY UPON JOINING THE BOARD. IF A POTENTIAL CONFLICT OF INTEREST IS IDENTIFIED, IT IS DISCLOSED TO THE BOARD OF DIRECTORS AND THE PERSON WITH A POTENTIAL CONFLICT WILL THEN RECUSE THEMSELVES FROM THE DECISION MAKING PROCESS WHILE THE INDEPENDENT MEMBERS OF THE BOARD DISCUSS THE POTENTIAL CONFLICT AND VOTE TO DETERMINE WHETHER THE TRANSACTION IS IN THE BEST INTEREST OF THE ORGANIZATION AND IF THE ORGANIZATION SHOULD ENTER INTO THE TRANSACTION OR ARRANGEMENT.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS: THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
FORM 990 PART IX LINE 11G	DESCRIPTION:& MESSAGING TOTAL FEES:750050
FORM 990 PART IX LINE 11G	DESCRIPTION:GOVERNMENT RELATIONS TOTAL FEES:158908

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990) 2021

Additional Data

Software ID:
Software Version:

1	Briefly describe the organization’s mission or most significant activities: TO ADVANCE ITS MEMBERS' COMMON BUSINESS INTEREST IN THE CONSUMER CREDIT INDUSTRY, INCLUDING BY PROMOTING A SUSTAINABLE CREDIT REPAIR MARKETPLACE & FAIR CREDIT REPORTING SYSTEM.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	5
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	5
5	Total number of individuals employed in calendar year 2021 (Part V, line 2a) ......	5	0
6	Total number of volunteers (estimate if necessary) .............	6	7
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, Part I, line 11 .........	7b

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	0	0
9	Program service revenue (Part VIII, line 2g) .........	764,236	1,101,008
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	0	0
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	0	0
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	764,236	1,101,008
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	0	0
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	0	0
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	491,161	1,199,966
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	491,161	1,199,966
19	Revenue less expenses. Subtract line 18 from line 12.......	273,075	-98,958
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	273,075	174,117
21	Total liabilities (Part X, line 26).............	0	0
22	Net assets or fund balances. Subtract line 21 from line 20.....	273,075	174,117

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	DEVELOP RESEARCH, EDUCATIONAL, AND ADVOCACY MATERIALS FOR LEGISLATORS, REGULATORS, THE MEMBERS, AND THE PUBLIC ON INDUSTRY SUBJECTS, INCLUDING BUT NOT LIMITED TO: (1) THE ESSENTIAL ROLE OF THE CONSUMER CREDIT REPAIR INDUSTRY IN THE FINANCIAL AND SOCIAL FABRIC OF AMERICA, (2) THE FINANCIAL AND SOCIAL IMPACT OF CREDIT SCORES AND ACCESS TO CREDIT (3) THE EFFECT ON THE CONSUMER CREDIT INDUSTRY AND ITS CUSTOMERS OF CURRENT AND PROPOSED POLICY POSITIONS, LAWS, REGULATIONS, AND RULES, (4) INDUSTRY BILLING AND FEE PRACTICES THAT ARE FAIR TO BOTH THE BUSINESSES THAT PROVIDE CONSUMER CREDIT REPAIR SERVICES AND THE CONSUMERS OF THOSE SERVICES; AND (5) THE INTEGRITY OF THE CONSUMER CREDIT INDUSTRY.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	DEVELOP PUBLIC RELATIONS CONTENT AND MULTI-MEDIA PLATFORMS, INCLUDING INTERNET AND SOCIAL MEDIA PLATFORMS, TO CREATE EXPOSURE AND INCREASE SUPPORT FOR THE ORGANIZATION'S RESEARCH AND EDUCATION ACTIVITIES, ADVOCACY INITIATIVES, AND POSITIONS TO ADDRESS AND IMPROVE BUSINESS CONDITIONS IN THE CONSUMER CREDIT INDUSTRY.

4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	ADVOCATE FOR THE MEMBERS' COMMON BUSINESS INTERESTS THROUGH ORAL AND WRITTEN LOBBYING AND NON-LOBBYING COMMUNICATIONS TO, AND MEETINGS WITH, LEGISLATORS, REGULATORS, OTHER POLICY MAKERS, AND THEIR RESPECTIVE REPRESENTATIVES REGARDING THE BUSINESS NEEDS AND INTERESTS OF THE CONSUMER CREDIT INDUSTRY. SUBMIT COMMENTS AND OTHER FEEDBACK TO THOSE PARTIES ON CURRENT AND FUTURE POLICY POSITIONS, LAWS, REGULATIONS, AND RULES. CREATE, UPDATE AND MAINTAIN STANDARDS OF CONDUCT FOR THE INDUSTRY. ENGAGE WITH MEMBER AND OTHERS IN THE INDUSTRY TO LEARN THEIR NEEDS AND EDUCATE THEM ON THE ORGANIZATION'S WORK.

4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)...........	0	0	0

1a	Federated campaigns..		1a
b	Membership dues..		1b
c	Fundraising events..		1c
d	Related organizations		1d
e	Government grants (contributions)		1e

f	All other contributions, gifts, grants, and similar amounts not included above		1f

g	Noncash contributions included in lines 1a - 1f:$		1g

h Total. Add lines 1a-1f.......		0

		Business Code
2a	MEMBERSHIP DUES	813910	1,101,008	1,101,008
b
c
d
e
f	All other program service revenue.
g	Total. Add lines 2a–2f .....		1,101,008

3 Investment income (including dividends, interest, and othersimilar amounts) ......			0
4 Income from investment of tax-exempt bond proceeds			0
5 Royalties...........			0
		(ii) Personal	(i) Real
6a	Gross rents			6a
b	Less: rental expenses			6b
c	Rental income or (loss)	0	0	6c
d	Net rental income or (loss).......			0
		(ii) Other	(i) Securities
7a	Gross amount from sales of assets other than inventory			7a
b	Less: cost or other basis and sales expenses			7b
c	Gain or (loss)			7c
d	Net gain or (loss).........			0
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a	0
b	Less: direct expenses ...		8b	0
c	Net income or (loss) from fundraising events..			0
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a	0
b	Less: direct expenses ...		9b	0
c	Net income or (loss) from gaming activities..			0
10a	Gross sales of inventory, less returns and allowances ..
			10a	0
b	Less: cost of goods sold ..		10b	0
c	Net income or (loss) from sales of inventory..			0
Business Code			Miscellaneous Revenue
11a
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			0
12	Total revenue. See instructions.....			1,101,008	1,101,008

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....	0
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........	0
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............	0
4	Benefits paid to or for members .......	0
5	Compensation of current officers, directors, trustees, and key employees ...........	0
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........	0
7	Other salaries and wages........	0
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	0
9	Other employee benefits .......	0
10	Payroll taxes ...........	0
11	Fees for services (non-employees):
a	Management ......	0
b	Legal .........	53,863
c	Accounting ...........	0
d	Lobbying ...........	232,446
e	Professional fundraising services. See Part IV, line 17	0
f	Investment management fees ......	0
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	908,958
12	Advertising and promotion ....	0
13	Office expenses .......	600
14	Information technology ......	0
15	Royalties ..	0
16	Occupancy ...........	0
17	Travel ............	0
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .	0
19	Conferences, conventions, and meetings ....	0
20	Interest ...........	0
21	Payments to affiliates .......	0
22	Depreciation, depletion, and amortization ..	0
23	Insurance ...	0
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	TAXES AND FEES	4,099
b
c
d
e	All other expenses
25	Total functional expenses. Add lines 1 through 24e	1,199,966
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........		273,075	1	174,117
2	Savings and temporary cash investments .........		0	2	0
3	Pledges and grants receivable, net ......		0	3	0
4	Accounts receivable, net .............		0	4	0
5	Loans and other receivables from any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
			0	5	0
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
			0	6	0
7	Notes and loans receivable, net ...........		0	7	0
8	Inventories for sale or use ............		0	8	0
9	Prepaid expenses and deferred charges ......		0	9	0
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a
b	Less: accumulated depreciation	10b	0	10c	0
11	Investments—publicly traded securities .		0	11	0
12	Investments—other securities. See Part IV, line 11 .....		0	12	0
13	Investments—program-related. See Part IV, line 11 ..		0	13	0
14	Intangible assets ...............		0	14	0
15	Other assets. See Part IV, line 11 ...........		0	15	0
16	Total assets. Add lines 1 through 15 (must equal line 33)...		273,075	16	174,117

17	Accounts payable and accrued expenses .....	0	17	0
18	Grants payable ...	0	18	0
19	Deferred revenue .........	0	19	0
20	Tax-exempt bond liabilities .........	0	20	0
21	Escrow or custodial account liability. Complete Part IV of Schedule D	0	21	0
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
		0	22	0
23	Secured mortgages and notes payable to unrelated third parties ..	0	23	0
24	Unsecured notes and loans payable to unrelated third parties ..	0	24	0
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D	0	25	0
26	Total liabilities. Add lines 17 through 25..	0	26	0

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........		27
28	Net assets with donor restrictions ...........		28
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....	0	29	0
30	Paid-in or capital surplus, or land, building or equipment fund ...	0	30	0
31	Retained earnings, endowment, accumulated income, or other funds	273,075	31	174,117
32	Total net assets or fund balances ...........	273,075	32	174,117
33	Total liabilities and net assets/fund balances ........	273,075	33	174,117

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......................
b	Total lobbying expenditures to influence a legislative body (direct lobbying) ........................
c	Total lobbying expenditures (add lines 1a and 1b) ............................................................
d	Other exempt purpose expenditures ...............................................................................
e	Total exempt purpose expenditures (add lines 1c and 1d) ..................................................
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................................................
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................................................
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................................................
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ...................................................................................................................	Yes No

4-Year Averaging Period Under Section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2018	(b) 2019	(c) 2020	(d) 2021	(e) Total

2a	Lobbying nontaxable amount

b	Lobbying ceiling amount (150% of line 2a, column(e))

c	Total lobbying expenditures

d	Grassroots nontaxable amount

e	Grassroots ceiling amount (150% of line 2d, column (e))

f	Grassroots lobbying expenditures

(a) Name	(b) Address	(c) EIN	(d) Amount paid from filing organization's funds. If none, enter -0-.	(e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.
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