TY 2024 Form 990

- TIN:

Form990

Department of the TreasuryInternal Revenue Service

Return of Organization Exempt From Income Tax

Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except private foundations)

Do not enter social security numbers on this form as it may be made public.

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

OMB No. 1545-0047

2024

Open to Public Inspection

A For the 2024 calendar year, or tax year beginning 01-01-2024 , and ending 12-31-2024

BCheck if applicable: Address change Name change Initial return Final return/terminated Amended return Application pending

CName of organization
AMERICAN LEGAL & FINANCIAL NETWORK
C/O SCHMERSAHL TRELOAR & COMPANY PC

Doing business as

Number and street (or P.O. box if mail is not delivered to street address)
10805 SUNSET OFFICE DRIVE 400

Room/suite

City or town, state or province, country, and ZIP or foreign postal code
ST LOUIS, MO63127

D Employer identification number

04-3601831

E Telephone number

G Gross receipts $ 1,673,935

F Name and address of principal officer:
MATTHEW BARTEL
10805 SUNSET OFFICE DRIVE 400
ST LOUIS,MO63127

Tax-exempt status: 501(c)(3) 501(c) ( 6 ) (insert no.) 4947(a)(1) or 527

Website:

WWW.ALFN.ORG

H(a)

Is this a group return for
subordinates? Yes No

H(b)

Are all subordinates
included?

Yes No

If "No," attach a list. See instructions.

H(c)

Group exemption number

K Form of organization: Corporation Trust Association Other

L Year of formation: 2001

M State of legal domicile: MO

Part I

Summary

1	Briefly describe the organization’s mission or most significant activities: SERVING LEGAL/RESIDENTIAL MORTGAGE BANKING PROFESSION VIA LEADERSHIP, ADVOCACY, ED & PROF DEV
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	10
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	10
5	Total number of individuals employed in calendar year 2024 (Part V, line 2a) ......	5	4
6	Total number of volunteers (estimate if necessary) .............	6	600
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	0

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	0	0
9	Program service revenue (Part VIII, line 2g) .........	1,577,395	1,673,611
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	12	24
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	1	300
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	1,577,408	1,673,935
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)	472,407	487,752
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)....	1,130,028	1,036,614
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	1,602,435	1,524,366
19	Revenue less expenses. Subtract line 18 from line 12.......	-25,027	149,569
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	749,504	996,841
21	Total liabilities (Part X, line 26).............	43,009	140,777
22	Net assets or fund balances. Subtract line 21 from line 20.....	706,495	856,064

Part II

Signature Block

Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than officer) is based on all information of which preparer has any knowledge.

Sign Here

	Signature of officer	Date

	Type or print name and title

Paid Preparer Use Only

Print/Type preparer's name

Preparer's signature

Date

Check if
self-employed

PTIN

Firm's name

Firm's EIN

Firm's address

Phone no.

May the IRS discuss this return with the preparer shown above? See Instructions. ..........YesNo

For Paperwork Reduction Act Notice, see the separate instructions.

Cat. No. 11282Y Form 990 (2024)

Form 990 (2024)

Page 2

Part III

Statement of Program Service Accomplishments

Check if Schedule O contains a response or note to any line in this Part III..............

Briefly describe the organization’s mission: ALFN IS A NATIONAL NON-PROFIT MEMBERSHIP-BASED TRADE ASSOCIATION SERVING THE FINANCIAL SERVICES INDUSTRY. OUR MISSION IS TO SERVE OUR MEMBERS THROUGH LEADERSHIP, EDUCATION, ADVOCACY, AND PROFESSIONAL DEVELOPMENT. SEE SCHEDULE O FOR MORE INFO.

Did the organization undertake any significant program services during the year which were not listed on
the prior Form 990 or 990-EZ? ..................... Yes No

If "Yes," describe these new services on Schedule O.

Did the organization cease conducting, or make significant changes in how it conducts, any program
services? ........................... Yes No

If "Yes," describe these changes on Schedule O.

Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. Section 501(c)(3) and 501(c)(4) organizations are required to report the amount of grants and allocations to others, the total expenses, and revenue, if any, for each program service reported.


4a	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	EVENTS AND EDUCATION:THE ORGANIZATION AND ITS MEMBERS STRIVE TO BE THE RECOGNIZED LEADER OFLEGAL EDUCATION IN THE FINANCIAL SERVICES INDUSTRY. IN 2024 WE HELD 4 LIVE IN-PERSON EVENTS, 12 WEBINARS, AND OTHER ONLINE PRESENTATIONS WITH ALFN COMMITTEES. OUR ONLINE PRESENTATIONS ARE RECORDED AND MADE AVAILABLE ON-DEMAND. ALL OF OUR EVENTS ARE CONDUCTED TO CONTINUE OFFERING OUR MEMBERS AND CLIENTS WITH EDUCATIONAL AND NETWORKING OPPORTUNITIES. SEE SCHEDULE O FOR MORE INFO.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	ADVOCACY AND INDUSTRY LEADERSHIP:ALFN SUBMITTED AMICUS BRIEFS ON ISSUES THAT IMPACT OUR MEMBERS ANDINDUSTRY CLIENTS. THE ALFN CONTINUES TO WORK WITH MORTGAGE SERVICERS, GSE'S & REGULATORY AGENCIES TO MAINTAIN STRONG RELATIONSHIPS WITH THESE ORGANIZATIONS AS THEY ASSIST US TO ENSURE THAT THE EFFORTS AND DIRECTION OF ALFN REMAINS CONSISTENT WITH THEIR UNIQUE INDUSTRY NEEDS. ALFN CONTINUES TO GROW AND DEVELOP OUR STRATEGIC RELATIONSHIPS WITH INFLUENTIAL INDUSTRY LEADERS. SEE SCHEDULE O FOR MORE INFO.

4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	PUBLICATIONS:THE ALFN CREATES AND DISTRIBUTES FREQUENT ELECTRONIC UPDATES TO OUR LIST OF NEARLY 6000 INDUSTRY CONTACTS, KEEPING THEM INFORMED REGARDING THE LATEST INDUSTRY INFORMATION, LEGAL UPDATES, REGULATORY & LEGISLATIVE UPDATES AND OTHER GROUNDBREAKING INITIATIVES. OUR PUBLICATIONS (OFFERED ONLINE ONLY) INCLUDE THE ANGLE & WILLED (QUARTERLY MAGAZINES), THE LEGALIST (MEMBERSHIP DIRECTORY) & THE ANNUAL AWARDS PUBLICATION. THE ALFN, THROUGH ITS MEMBERS, IS ROUTINELY RECOGNIZED IN VARIOUS INDUSTRY PUBLICATIONS, ALFN PERIODICALLY SUBMITS PRESS RELEASES REGARDING OUR ACCOMPLISHMENTS TO OTHER INDUSTRY PUBLICATIONS. SEE SCHEDULE O FOR MORE INFO.

	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	MEMBERSHIP & GOVERNANCE:ALFN ADDED 2 NEW LAW FIRM/FORECLOSURE TRUSTEE MEMBERS (LAW FIRMS AND FORECLOSE TRUSTEES) TO OUR NETWORK, AND 2 NEW ASSOCIATE MEMBERS (INDUSTRY SERVICE PROVIDERS), BRINGING OUR TOTAL NUMBER OF MEMBERS TO 129 (TOTAL MEMBER COUNT BY COMPANY NAME). ALFN WELCOMES THESE NEW MEMBERS AND ARE GLAD TO HAVE THEM AS PART OF THE ORGANIZATION. THEIR CONTRIBUTIONS WILL ONLY HELP TO STRENGTHEN THE ALFN, WHICH CONTINUES TO BE THE LARGEST LEGAL SERVICES BASED PROFESSIONAL TRADE ASSOCIATION IN OUR INDUSTRY SPACE. MEMBERSHIP RETENTION WAS AT 92%, AND WE TARGET TO ACHIEVE 90%+ EACH YEAR. WE ARE PLEASED WITH THE CONTINUED SUPPORT OF OUR MEMBERS.OUR BOARD OF DIRECTORS MET 12 TIMES TELEPHONICALLY FOR OUR MONTHLY OR SPECIAL MEETINGS, HELD OTHER CALLS AS NEEDED TO DISCUSS PRESSING ISSUES, AND MET 3 TIMES IN PERSON DURING THE YEAR TO CONDUCT ASSOCIATION BUSINESS AND STRATEGIC PLANNING.

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

Form 990 (2024)

Page 3

Part IV

Checklist of Required Schedules

Yes

Is the organization described in section 501(c)(3) or 4947(a)(1) (other than a private foundation)? If "Yes," complete Schedule A.....................

Is the organization required to complete Schedule B, Schedule of Contributors? See instructions. ...

Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to candidates for public office? If "Yes," complete Schedule C, Part I Click to see attachment

List of Attached Documents:

// Content

.............

Section 501(c)(3) organizations. Did the organization engage in lobbying activities, or have a section 501(h) election in effect during the tax year? If "Yes," complete Schedule C, Part II.........

Is the organization a section 501(c)(4), 501(c)(5), or 501(c)(6) organization that receives membership dues, assessments, or similar amounts as defined in Rev. Proc. 98-19? If "Yes," complete Schedule C, Part III Click to see attachment

List of Attached Documents:

// Content

Yes

Did the organization maintain any donor advised funds or any similar funds or accounts for which donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts? If "Yes," complete Schedule D, Part I Click to see attachment

List of Attached Documents:

// Content

.........................

Did the organization receive or hold a conservation easement, including easements to preserve open space,
the environment, historic land areas, or historic structures? If "Yes," complete Schedule D, Part II Click to see attachment

List of Attached Documents:

// Content

....

Did the organization maintain collections of works of art, historical treasures, or other similar assets? If "Yes,"
complete Schedule D, Part III Click to see attachment

List of Attached Documents:

// Content

..............

Did the organization report an amount in Part X, line 21 for escrow or custodial account liability; serve as a custodian for amounts not listed in Part X; or provide credit counseling, debt management, credit repair, or debt negotiation services? If "Yes," complete Schedule D, Part IV Click to see attachment

List of Attached Documents:

// Content

..............

Did the organization, directly or through a related organization, hold assets in temporarily restricted endowments, permanent endowments, or quasi endowments? If "Yes," complete Schedule D, Part V......

If the organization’s answer to any of the following questions is "Yes," then complete Schedule D, Parts VI, VII, VIII, IX, or X, as applicable.

Did the organization report an amount for land, buildings, and equipment in Part X, line 10? If "Yes," complete
Schedule D, Part VI. Click to see attachment

List of Attached Documents:

// Content

...................

11a

Yes

Did the organization report an amount for investments—other securities in Part X, line 12 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VII Click to see attachment

List of Attached Documents:

// Content

.......

11b

Did the organization report an amount for investments—program related in Part X, line 13 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VIII Click to see attachment

List of Attached Documents:

// Content

.......

11c

Did the organization report an amount for other assets in Part X, line 15 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part IX Click to see attachment

List of Attached Documents:

// Content

............

11d

Did the organization report an amount for other liabilities in Part X, line 25? If "Yes," complete Schedule D, Part X Click to see attachment

List of Attached Documents:

// Content

11e

Did the organization’s separate or consolidated financial statements for the tax year include a footnote that addresses the organization’s liability for uncertain tax positions under FIN 48 (ASC 740)? If "Yes," complete Schedule D, Part X Click to see attachment

List of Attached Documents:

// Content

11f

12a

Did the organization obtain separate, independent audited financial statements for the tax year? If "Yes," complete
Schedule D, Parts XI and XII Click to see attachment

List of Attached Documents:

// Content

......................

12a

Was the organization included in consolidated, independent audited financial statements for the tax year? If "Yes," and if the organization answered "No" to line 12a, then completing Schedule D, Parts XI and XII is optional Click to see attachment

List of Attached Documents:

// Content

12b

Is the organization a school described in section 170(b)(1)(A)(ii)? If "Yes," complete Schedule E

14a

Did the organization maintain an office, employees, or agents outside of the United States? .....

14a

Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising, business, investment, and program service activities outside the United States, or aggregate foreign investments valued at $100,000 or more? If "Yes," complete Schedule F, Parts I and IV.........

14b

Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or other assistance to or for any foreign organization? If “Yes,” complete Schedule F, Parts II and IV.....

Did the organization report on Part IX, column (A), line 3, more than $5,000 of aggregate grants or other assistance to or for foreign individuals? If “Yes,” complete Schedule F, Parts III and IV...

Did the organization report a total of more than $15,000 of expenses for professional fundraising services on Part IX, column (A), lines 6 and 11e? If "Yes," complete Schedule G, Part I. See instructions. ....

Did the organization report more than $15,000 total of fundraising event gross income and contributions on Part VIII, lines 1c and 8a? If "Yes," complete Schedule G, Part II............

Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a? If "Yes," complete Schedule G, Part III...................

20a

Did the organization operate one or more hospital facilities? If "Yes," complete Schedule H....

20a

If "Yes" to line 20a, did the organization attach a copy of its audited financial statements to this return?

20b

Did the organization report more than $5,000 of grants or other assistance to any domestic organization or domestic government on Part IX, column (A), line 1? If “Yes,” complete Schedule I, Parts I and II.....

Form 990 (2024)

Page 4

Part IV

Checklist of Required Schedules (continued)

Yes

Did the organization report more than $5,000 of grants or other assistance to or for domestic individuals on Part IX, column (A), line 2? If “Yes,” complete Schedule I, Parts I and III........

Did the organization answer "Yes" to Part VII, Section A, line 3, 4, or 5, about compensation of the organization’s current and former officers, directors, trustees, key employees, and highest compensated employees? If "Yes," complete Schedule J....................... Click to see attachment

List of Attached Documents:

// Content

Yes

24a

Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than $100,000 as of the last day of the year, that was issued after December 31, 2002? If “Yes,” answer lines 24b through 24d and complete Schedule K. If “No,” go to line 25a...............

24a

Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception?...

24b

Did the organization maintain an escrow account other than a refunding escrow at any time during the year
to defease any tax-exempt bonds? ...............

24c

Did the organization act as an "on behalf of" issuer for bonds outstanding at any time during the year?...

24d

25a

Section 501(c)(3), 501(c)(4), and 501(c)(29) organizations. Did the organization engage in an excess benefit transaction with a disqualified person during the year? If "Yes," complete Schedule L, Part I ....

25a

Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prior year, and that the transaction has not been reported on any of the organization’s prior Forms 990 or 990-EZ? If "Yes," complete Schedule L, Part I.......................

25b

Did the organization report any amount on Part X, line 5 or 22 for receivables from or 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? If "Yes," complete Schedule L, Part II...........

Did the organization provide a grant or other assistance to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or employee thereof, a grant selection committee member, or to a 35% controlled entity (including an employee thereof) or family member of any of these persons?

If "Yes," complete

Schedule L, Part III.........................

Was the organization a party to a business transaction with one of the following parties (see the Schedule L, Part IV instructions for applicable filing thresholds, conditions, and exceptions):

A current or former officer, director, trustee, key employee, creator or founder, or substantial contributor? If "Yes," complete Schedule L, Part IV......................

28a

A family member of any individual described in line 28a? If "Yes," complete Schedule L, Part IV.....

28b

A 35% controlled entity of one or more individuals and/or organizations described in line 28a or 28b? If "Yes," complete Schedule L, Part IV.....................

28c

Did the organization receive more than $25,000 in non-cash contributions? If "Yes," complete Schedule M..

Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified conservation contributions? If "Yes," complete Schedule M .................

Did the organization liquidate, terminate, or dissolve and cease operations? If "Yes," complete Schedule N, Part I

Did the organization sell, exchange, dispose of, or transfer more than 25% of its net assets? If "Yes," complete Schedule N, Part II........................

Did the organization own 100% of an entity disregarded as separate from the organization under Regulations sections 301.7701-2 and 301.7701-3? If "Yes," complete Schedule R, Part I............

Was the organization related to any tax-exempt or taxable entity? If "Yes," complete Schedule R, Part II, III, or IV, and Part V, line 1.........................

35a

Did the organization have a controlled entity within the meaning of section 512(b)(13)?

35a

If ‘Yes’ to line 35a, did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of section 512(b)(13)? If "Yes," complete Schedule R, Part V, line 2 ...

35b

Section 501(c)(3) organizations. Did the organization make any transfers to an exempt non-charitable related organization? If "Yes," complete Schedule R, Part V, line 2.............

Did the organization conduct more than 5% of its activities through an entity that is not a related organization and that is treated as a partnership for federal income tax purposes? If "Yes," complete Schedule R, Part VI

Did the organization complete Schedule O and provide explanations on Schedule O for Part VI, lines 11b and 19? Note. All Form 990 filers are required to complete Schedule O. ............

Yes

Part V

Statements Regarding Other IRS Filings and Tax Compliance
Check if Schedule O contains a response or note to any line in this Part V...........

Yes

Enter the number reported in box 3 of Form 1096. Enter -0- if not applicable ..

Enter the number of Forms W-2G included on line 1a. Enter -0- if not applicable .

Did the organization comply with backup withholding rules for reportable payments to vendors and reportable gaming (gambling) winnings to prize winners? ..................

Yes

Form 990 (2024)

Page 5

Part V

Statements Regarding Other IRS Filings and Tax Compliance (continued)

Enter the number of employees reported on Form W-3, Transmittal of Wage and
Tax Statements, filed for the calendar year ending with or within the year covered by this return ..................

If at least one is reported on line 2a, did the organization file all required federal employment tax returns?

Yes

Did the organization have unrelated business gross income of $1,000 or more during the year?...

If “Yes,” has it filed a Form 990-T for this year? If “No” to line 3b, provide an explanation in Schedule O...

At any time during the calendar year, did the organization have an interest in, or a signature or other authority over, a financial account in a foreign country (such as a bank account, securities account, or other financial account)? ..

If "Yes," enter the name of the foreign country:
See instructions for filing requirements for FinCEN Form 114, Report of Foreign Bank and Financial Accounts (FBAR).

Was the organization a party to a prohibited tax shelter transaction at any time during the tax year? ..

Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?

If "Yes," to line 5a or 5b, did the organization file Form 8886-T? ............

Does the organization have annual gross receipts that are normally greater than $100,000, and did the organization solicit any contributions that were not tax deductible as charitable contributions? ...

If "Yes," did the organization include with every solicitation an express statement that such contributions or gifts were not tax deductible? ......................

Organizations that may receive deductible contributions under section 170(c).

Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods and services provided to the payor? ....................

If "Yes," did the organization notify the donor of the value of the goods or services provided? .....

Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was required to file Form 8282? .........................

If "Yes," indicate the number of Forms 8282 filed during the year ....

Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract?

Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ..

If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required? ......................

If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C? ..........................

Sponsoring organizations maintaining donor advised funds. Did a donor advised fund maintained by the sponsoring organization have excess business holdings at any time during the year? ........

Sponsoring organizations maintaining donor advised funds.

Did the sponsoring organization make any taxable distributions under section 4966?........

Did the sponsoring organization make a distribution to a donor, donor advisor, or related person?...

Section 501(c)(7) organizations. Enter:

Initiation fees and capital contributions included on Part VIII, line 12 ...

10a

Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities

10b

Section 501(c)(12) organizations. Enter:

Gross income from members or shareholders .........

11a

Gross income from other sources. (Do not net amounts due or paid to other sources against amounts due or received from them.) ..........

11b

12a

Section 4947(a)(1) non-exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041?

12a

If "Yes," enter the amount of tax-exempt interest received or accrued during the year.

12b

Section 501(c)(29) qualified nonprofit health insurance issuers.

Is the organization licensed to issue qualified health plans in more than one state? .........
Note. See the instructions for additional information the organization must report on Schedule O.

13a

Enter the amount of reserves the organization is required to maintain by the states in which the organization is licensed to issue qualified health plans ....

13b

Enter the amount of reserves on hand ............

13c

14a

Did the organization receive any payments for indoor tanning services during the tax year?.....

14a

If "Yes," has it filed a Form 720 to report these payments? If "No," provide an explanation in Schedule O..

14b

Is the organization subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or excess parachute payment(s) during the year? ....................
If "Yes," see the instructions and file Form 4720, Schedule N.

Is the organization an educational institution subject to the section 4968 excise tax on net investment income? ..
If "Yes," complete Form 4720, Schedule O.

Section 501(c)(21) organizations. Did the trust, or any disqualified or other person engage in any activities that would result in the imposition of an excise tax under section 4951, 4952, or 4953? ..
If "Yes," complete Form 6069.

Form 990 (2024)

Page 6

Part VI

Governance, Management, and Disclosure. For each "Yes" response to lines 2 through 7b below, and for a "No" response to lines 8a, 8b, or 10b below, describe the circumstances, processes, or changes in Schedule O. See instructions.

Check if Schedule O contains a response or note to any line in this Part VI..............

Section A. Governing Body and Management

Yes

Enter the number of voting members of the governing body at the end of the tax year

If there are material differences in voting rights among members of the governing body, or if the governing body delegated broad authority to an executive committee or similar committee, explain in Schedule O.

Enter the number of voting members included in line 1a, above, who are independent

Did any officer, director, trustee, or key employee have a family relationship or a business relationship with any other officer, director, trustee, or key employee? .................

Did the organization delegate control over management duties customarily performed by or under the direct supervision of officers, directors or trustees, or key employees to a management company or other person? .

Did the organization make any significant changes to its governing documents since the prior Form 990 was filed? .

Yes

Did the organization become aware during the year of a significant diversion of the organization’s assets? .

Did the organization have members or stockholders? ................

Yes

Did the organization have members, stockholders, or other persons who had the power to elect or appoint one or more members of the governing body? ....................

Yes

Are any governance decisions of the organization reserved to (or subject to approval by) members, stockholders, or persons other than the governing body? ...................

Yes

Did the organization contemporaneously document the meetings held or written actions undertaken during the year by the following:

The governing body? .......................

Yes

Each committee with authority to act on behalf of the governing body? ............

Yes

Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached at the organization’s mailing address? If "Yes," provide the names and addresses in Schedule O.......

Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Code.)

Yes

10a

Did the organization have local chapters, branches, or affiliates? ............

10a

If "Yes," did the organization have written policies and procedures governing the activities of such chapters, affiliates, and branches to ensure their operations are consistent with the organization's exempt purposes?

10b

11a

Has the organization provided a complete copy of this Form 990 to all members of its governing body before filing the form? ............................

11a

Yes

Describe on Schedule O the process, if any, used by the organization to review this Form 990. .....

12a

Did the organization have a written conflict of interest policy? If "No," go to line 13.......

12a

Yes

Were officers, directors, or trustees, and key employees required to disclose annually interests that could give rise to conflicts? ..........................

12b

Yes

Did the organization regularly and consistently monitor and enforce compliance with the policy? If "Yes," describe on Schedule O how this was done...................

12c

Yes

Did the organization have a written whistleblower policy? ...............

Yes

Did the organization have a written document retention and destruction policy? .........

Yes

Did the process for determining compensation of the following persons include a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision?

The organization’s CEO, Executive Director, or top management official ...........

15a

Yes

Other officers or key employees of the organization ................

15b

Yes

If "Yes" to line 15a or 15b, describe the process on Schedule O. See instructions.

16a

Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement with a taxable entity during the year? ......................

16a

If "Yes," did the organization follow a written policy or procedure requiring the organization to evaluate its participation in joint venture arrangements under applicable federal tax law, and take steps to safeguard the organization’s exempt status with respect to such arrangements? ............

16b

Section C. Disclosure

List the states with which a copy of this Form 990 is required to be filed

Section 6104 requires an organization to make its Form 1023 (1024 or 1024-A, if applicable), 990, and 990-T (section 501(c)(3)s only) available for public inspection. Indicate how you made these available. Check all that apply.

Own website Another's website Upon request Other (explain in Schedule O)

Describe in Schedule O whether (and if so, how) the organization made its governing documents, conflict of interest policy, and financial statements available to the public during the tax year.

State the name, address, and telephone number of the person who possesses the organization's books and records:
SCHMERSAHL TRELOAR AND CO CPA10805 SUNSET OFFICE DRIVE 400 ST LOUIS,MO63127 (314) 966-2727

Form 990 (2024)

Page 7

Part VII

Compensation of Officers, Directors,Trustees, Key Employees, Highest Compensated Employees, and Independent Contractors

Check if Schedule O contains a response or note to any line in this Part VII..............

Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees

1a Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within the organization’s tax year.
RoundBullet

List all of the organization’s current officers, directors, trustees (whether individuals or organizations), regardless of amount
of compensation. Enter -0- in columns (D), (E), and (F) if no compensation was paid.

List all of the organization’s current key employees, if any. See the instructions for definition of "key employee."

List the organization’s five current highest compensated employees (other than an officer, director, trustee or key employee)
who received reportable compensation (box 5 of Form W-2, box 6 of Form 1099-MISC, and/or box 1 of Form 1099-NEC) of more than $100,000 from the organization and any related organizations.

List all of the organization’s former officers, key employees, or highest compensated employees who received more than $100,000
of reportable compensation from the organization and any related organizations.

List all of the organization’s former directors or trustees that received, in the capacity as a former director or trustee of the
organization, more than $10,000 of reportable compensation from the organization and any related organizations.

See the instructions for the order in which to list the persons above.

Check this box if neither the organization nor any related organization compensated any current officer, director, or trustee.

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)		(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 title
(1) RANDALL MILLER...................................................................... DIRECTOR	2.00 .................	X		0	0	0
(2) NATALIE GRIGG...................................................................... CHAIR OF THE BOARD	2.00 .................	X	X	0	0	0
(3) KIM HAMMOND...................................................................... BOARD SECRETARY	2.00 .................	X	X	0	0	0
(4) DEANNE STODDEN...................................................................... CHIEF GOVERNANCE OFFICER	2.00 .................	X	X	0	0	0
(5) ARI MILLER...................................................................... VICE-CHAIR OF THE BOARD	2.00 .................	X	X	0	0	0
(6) ADAM DIAZ...................................................................... DIRECTOR	2.00 .................	X		0	0	0
(7) DONALD J TIMBERLAKE...................................................................... DIRECTOR	2.00 .................	X		0	0	0
(8) KELLY GRING...................................................................... DIRECTOR	2.00 .................	X		0	0	0
(9) BLAKE STRAUTINS...................................................................... CORPORATE TREASURER	2.00 .................	X	X	0	0	0
(10) JP SELLERS...................................................................... DIRECTOR	2.00 .................	X		0	0	0
(11) SUSAN ROSEN...................................................................... CORPORATE SECRETARY	50.00 .................		X	142,780	0	7,645
(12) MATTHEW BARTEL...................................................................... PRESIDENT AND CEO	60.00 .................		X	226,871	0	19,152

Form 990 (2024)

Page 8

Part VII

Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees (continued)

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)						(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 title

1b	Sub-Total..............
c	Total from continuation sheets to Part VII, Section A..
d	Total (add lines 1b and 1c).........	369,651	0	26,797

Total number of individuals (including but not limited to those listed above) who received more than $100,000 of reportable compensation from the organization 2

Yes

Did the organization list any former officer, director or trustee, key employee, or highest compensated employee on line 1a? If "Yes," complete Schedule J for such individual ..............

For any individual listed on line 1a, is the sum of reportable compensation and other compensation from the organization and related organizations greater than $150,000? If "Yes," complete Schedule J for such
individual...........................

Yes

Did any person listed on line 1a receive or accrue compensation from any unrelated organization or individual for services rendered to the organization? If "Yes," complete Schedule J for such person ........

Section B. Independent Contractors

Complete this table for your five highest compensated independent contractors that received more than $100,000 of compensation from the organization. Report compensation for the calendar year ending with or within the organization’s tax year.

(A) Name and business address	(B) Description of services	(C) Compensation





2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 0

Form 990 (2024)

Page 9

Part VIII

Statement of Revenue

Check if Schedule O contains a response or note to any line in this Part VIII.............

(A)
Total revenue

(B)
Related or
exempt
function
revenue

(D)
Revenue
excluded from
tax under sections
512 - 514

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.......

		Business Code
2a	CONFERENCES AND EVENTS	541900	959,295	959,295
b	MEMBER DUES	541900	706,715	706,715
c	PUBLICATIONS	541900	7,601	7,601
d
e
f	All other program service revenue.
g	Total. Add lines 2a–2f .....		1,673,611

3 Investment income (including dividends, interest, and othersimilar amounts) ......			24			24
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
			(i) Real	(ii) Personal
6a	Gross rents	6a
b	Less: rental expenses	6b
c	Rental income or (loss)	6c
d	Net rental income or (loss).......
			(i) Securities	(ii) Other
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).........
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a
b	Less: direct expenses ...		8b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..

Business Code
11a	MISCELLANEOUS		541900	300	300
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			300
12	Total revenue. See instructions.....			1,673,935	1,673,911	0	24

Form 990 (2024)

Page 10

Part IX

Statement of Functional Expenses

Section 501(c)(3) and 501(c)(4) organizations must complete all columns. All other organizations must complete column (A).Check if Schedule O contains a response or note to any line in this Part IX..............

Do not include amounts reported on lines 6b, 7b, 8b, 9b, and 10b of Part VIII.		(A) Total expenses	(B) Program service expenses	(C) Management and general expenses	(D) Fundraising expenses

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............
4	Benefits paid to or for members .......
5	Compensation of current officers, directors, trustees, and key employees ...........	396,447
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........
7	Other salaries and wages........	53,688
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....
9	Other employee benefits .......	7,644
10	Payroll taxes ...........	29,973
11	Fees for services (non-employees):
a	Management ......
b	Legal .........
c	Accounting ...........	26,531
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	4,129
12	Advertising and promotion ....	32,735
13	Office expenses .......	1,054
14	Information technology ......	21,123
15	Royalties ..
16	Occupancy ...........
17	Travel ............	93,474
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....	763,202
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	1,930
23	Insurance ...	13,422
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	BANK AND OTHER FEES	39,509
b	BOARD MEETINGS	23,273
c	TELEPHONE AND INTERNET	7,954
d	401(K) FEES	2,900
e	All other expenses	5,378
25	Total functional expenses. Add lines 1 through 24e	1,524,366
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).

Form 990 (2024)

Page 11

Part X

Balance Sheet

Check if Schedule O contains a response or note to any line in this Part IX..............

				(A) Beginning of year		(B) End of year

1	Cash–non-interest-bearing ........			537,772	1	672,547
2	Savings and temporary cash investments .........			119,076	2	119,076
3	Pledges and grants receivable, net ......				3
4	Accounts receivable, net .............			625	4	10,330
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 .......
					5
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) ...
					6
7	Notes and loans receivable, net ...........				7
8	Inventories for sale or use ............				8
9	Prepaid expenses and deferred charges ......			87,989	9	186,542
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	87,206
b	Less: accumulated depreciation	10b	78,860	4,042	10c	8,346
11	Investments—publicly traded securities .				11
12	Investments—other securities. See Part IV, line 11 .....				12
13	Investments—program-related. See Part IV, line 11 ..				13
14	Intangible assets ...............				14
15	Other assets. See Part IV, line 11 ...........				15
16	Total assets. Add lines 1 through 15 (must equal line 33)...			749,504	16	996,841

17	Accounts payable and accrued expenses .....	43,009	17	16,272
18	Grants payable ...		18
19	Deferred revenue .........		19	124,505
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
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 .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
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		25
26	Total liabilities. Add lines 17 through 25..	43,009	26	140,777

	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	706,495	31	856,064
32	Total net assets or fund balances ...........	706,495	32	856,064
33	Total liabilities and net assets/fund balances ........	749,504	33	996,841

Form 990 (2024)

Page 12

Part XI

Reconcilliation of Net Assets

Check if Schedule O contains a response or note to any line in this Part XI..............

Total revenue (must equal Part VIII, column (A), line 12) ............

1,673,935

Total expenses (must equal Part IX, column (A), line 25) ............

1,524,366

Revenue less expenses. Subtract line 2 from line 1 ..............

149,569

Net assets or fund balances at beginning of year (must equal Part X, line 32, column (A)) ..

706,495

Net unrealized gains (losses) on investments ...............

Donated services and use of facilities .................

Investment expenses .....................

Prior period adjustments .....................

Other changes in net assets or fund balances (explain in Schedule O) ........

Net assets or fund balances at end of year. Combine lines 3 through 9 (must equal Part X, line 32, column (B))

856,064

Part XII

Financial Statements and Reporting

Check if Schedule O contains a response or note to any line in this Part XII.............

Yes

Accounting method used to prepare the Form 990: Cash Accrual Other
If the organization changed its method of accounting from a prior year or checked "Other," explain on
Schedule O.

Were the organization’s financial statements compiled or reviewed by an independent accountant?

If ‘Yes,’ check a box below to indicate whether the financial statements for the year were compiled or reviewed on a separate basis, consolidated basis, or both:

Separate basis Consolidated basis Both consolidated and separate basis

Were the organization’s financial statements audited by an independent accountant?

If ‘Yes,’ check a box below to indicate whether the financial statements for the year were audited on a separate basis, consolidated basis, or both:

Separate basis Consolidated basis Both consolidated and separate basis

If "Yes," to line 2a or 2b, does the organization have a committee that assumes responsibility for oversight of the audit, review, or compilation of its financial statements and selection of an independent accountant?

If the organization changed either its oversight process or selection process during the tax year, explain in Schedule O.

As a result of a federal award, was the organization required to undergo an audit or audits as set forth in the Uniform Guidance, 2 C.F.R. Part 200, Subpart F?

If "Yes," did the organization undergo the required audit or audits? If the organization did not undergo the required audit or audits, explain why in Schedule O and describe any steps taken to undergo such audits.

Form 990 (2024)

Additional Data

Software ID:
Software Version:

Form 990, Special Condition Description:

Special Condition Description

- TIN:

SCHEDULE C
(Form 990)

Department of the Treasury
Internal Revenue Service

Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527

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Complete if the organization is described below. right arrow

Attach to Form 990 or Form 990-EZ.
right arrow

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

OMB No. 1545-0047

2024

Open to Public
Inspection

If the organization answered "Yes" on Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
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Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
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Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
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Section 527 organizations: Complete Part I-A only.
If the organization answered "Yes" on Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
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Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
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Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered "Yes" on Form 990, Part IV, Line 5 (Proxy Tax) (see separate instructions) or Form 990-EZ, Part V, line 35c (Proxy Tax) (see separate instructions), then
Round Bullet

Section 501(c)(4), (5), or (6) organizations: Complete Part III.

Name of the organization

AMERICAN LEGAL & FINANCIAL NETWORK
C/O SCHMERSAHL TRELOAR & COMPANY PC

Employer identification number

04-3601831

Part I-A

Complete if the organization is exempt under section 501(c) or is a section 527 organization.

Provide a description of the organization’s direct and indirect political campaign activities in Part IV. See instructions for definition of “political campaign activities."

Political campaign activity expenditures. See instructions .................................................................... right arrow

Volunteer hours for political campaign activities. See instructions ..................................................................

Part I-B

Complete if the organization is exempt under section 501(c)(3).

Enter the amount of any excise tax incurred by the organization under section 4955 ................................ right arrow

Enter the amount of any excise tax incurred by organization managers under section 4955 ....................... right arrow

If the organization incurred a section 4955 tax, did it file Form 4720 for this year? .........................................

Yes No

Was a correction made? ......................................................................................................................

Yes No

If "Yes," describe in Part IV.

Part I-C

Complete if the organization is exempt under section 501(c), except section 501(c)(3).

Enter the amount directly expended by the filing organization for section 527 exempt function activities ..... right arrow

Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ............................................................................................................................ right arrow

Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b........... right arrow

Did the filing organization file Form 1120-POL for this year? ...................................................................

Yes No

Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.

(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-.
1
2
3
4
5
6

For Paperwork Reduction Act Notice, see the instructions for Form 990.

Cat. No. 50084S

Schedule C (Form 990) 2024

Page 2

Part II-A

Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).

A Check right arrow

if the filing organization belongs to an affiliated group (and list in Part IV each affiliated group member's name, address, EIN, expenses, and share of excess lobbying expenditures).
B Check right arrow

if the filing organization checked box A and "limited control" provisions apply.

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) 2021	(b) 2022	(c) 2023	(d) 2024	(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

Schedule C (Form 990) 2024

Page 3

Part II-B

Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).

For each "Yes" response on lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.

(a)

Yes

(b)

Amount

During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:

Volunteers? ...........................................................................................................

Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ........

Media advertisements? ...................................................................................................

Mailings to members, legislators, or the public? .............................................................................

Publications, or published or broadcast statements? ...........................................................

Grants to other organizations for lobbying purposes? ..........................................................

Direct contact with legislators, their staffs, government officials, or a legislative body? .......................

Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ..................

Other activities? ...................................................................................................................

Total. Add lines 1c through 1i ....................................................................................................

Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....

If "Yes," enter the amount of any tax incurred under section 4912 ...........................................

If "Yes," enter the amount of any tax incurred by organization managers under section 4912 ...................

If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? ........................

Part III-A

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).

Yes

Were substantially all (90% or more) dues received nondeductible by members? ...............................................

Did the organization make only in-house lobbying expenditures of $2,000 or less? ............................................

Yes

Did the organization agree to carry over lobbying and political expenditures from the prior year? .................................

Part III-B

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered "No" OR (b) Part III-A, line 3, is answered “Yes."

Dues, assessments and similar amounts from members ......................................................................

Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political expenses for which the section 527(f) tax was paid).

Current year .............................................................................................................................

Carryover from last year ............................................................................................................

Total ...........................................................................................................................................

Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .

If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ......................................................................................................................

Taxable amount of lobbying and political expenditures. See Instructions .........................................

Part IV

Supplemental Information

Provide the descriptions required for Part l-A, line 1; Part l-B, line 4; Part l-C, line 5; Part II-A (affiliated group list); Part II-A, lines 1 and 2 (see instructions), and Part ll-B, line 1. Also, complete this part for any additional information.

Return Reference	Explanation

Schedule C (Form 990) 2024

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," on Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
right arrow

Attach to Form 990.
right arrow

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

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

AMERICAN LEGAL & FINANCIAL NETWORK
C/O SCHMERSAHL TRELOAR & COMPANY PC

Employer identification number

04-3601831

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" on Form 990, Part IV, line 6.

		(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .........
2	Aggregate value of contributions to (during year)
3	Aggregate value of grants from (during year)
4	Aggregate value at end of year ........

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised funds are the organization’s property, subject to the organization’s exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements.
Complete if the organization answered "Yes" on Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements ......................	2a
b	Total acreage restricted by conservation easements ....................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after July 25, 2006, and not on a historic structure listed in the National Register ...	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year right arrow

Number of states where property subject to conservation easement is located right arrow

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
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Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
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Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .............................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" on Form 990, Part IV, line 8.

If the organization elected, as permitted under FASB ASC 958, not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under FASB ASC 958, to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included on Form 990, Part VIII, line 1 ......................... right arrow

(ii)

Assets included in Form 990, Part X ............................... right arrow

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under FASB ASC 958 relating to these items:

Revenue included on Form 990, Part VIII, line 1 .......................... right arrow

Assets included in Form 990, Part X ............................... right arrow

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

Cat. No. 52283D

Schedule D (Form 990) (Rev. 1-2025)

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?...

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No


b	If "Yes," explain the arrangement in Part XIII and complete the following table:		Amount
c	Beginning balance .............................	1c
d	Additions during the year ............................	1d
e	Distributions during the year ..........................	1e
f	Ending balance ................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability? ...

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ....

Part V

Endowment Funds.
Complete if the organization answered "Yes" on Form 990, Part IV, line 10.

		(a) Current year	(b) Prior year	(c) Two years back	(d) Three years back	(e) Four years back

1a	Beginning of year balance ....
b	Contributions ...
c	Net investment earnings, gains, and losses
d	Grants or scholarships ...
e	Other expenditures for facilities and programs ...
f	Administrative expenses ....
g	End of year balance ......

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment right arrow

Permanent endowment right arrow

Term endowment right arrow

The percentages on lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) Unrelated organizations .................

3a(i)

(ii) Related organizations .................

3a(ii)

If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(a) Cost or other basis (investment)	(b) Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value

1a	Land .....
b	Buildings ....
c	Leasehold improvements
d	Equipment ....	87,206	78,860	8,346
e	Other .....
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).)..				8,346

Schedule D (Form 990) (Rev. 1-2025)

Page 3

Part VII

Investments - Other Securities.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)	(b) Book value	(c) Method of valuation: Cost or end-of-year market value
(1) Financial derivatives.........
(2) Closely-held equity interests........
(3)Other
(A)
(B)
(C)
(D)
(E)
(F)
(G)
(H)
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)

Part VIII

Investments - Program Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment	(b) Book value	(c) Method of valuation: Cost or end-of-year market value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........

Part X

Other Liabilities.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability	(b) Book value
(1) Federal income taxes









Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) (Rev. 1-2025)

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......		1
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ...........	2d
e	Add lines 2a through 2d .....................		2e
3	Subtract line 2e from line 1..................		3
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a
b	Other (Describe in Part XIII.) ...........	4b
c	Add lines 4a and 4b....................		4c
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......		5

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........		1
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities .........	2a
b	Prior year adjustments ............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ...........	2d
e	Add lines 2a through 2d....................		2e
3	Subtract line 2e from line 1...................		3
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a
b	Other (Describe in Part XIII.) ...........	4b
c	Add lines 4a and 4b.....................		4c
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......		5

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b; Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference	Explanation

Schedule D (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

Schedule J
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
medium right arrow graphic

Complete if the organization answered "Yes" on Form 990, Part IV, line 23.
medium right arrow graphic

Attach to Form 990.
medium right arrow graphic

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

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

AMERICAN LEGAL & FINANCIAL NETWORK
C/O SCHMERSAHL TRELOAR & COMPANY PC

Employer identification number

04-3601831

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes on Line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain .....

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked on Line 1a? ....

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed on Form 990, Part VII, Section A, line 1a, with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? .............

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ....................

Any related organization? .......................

If "Yes," on line 5a or 5b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ..................

Any related organization? ......................

If "Yes," on line 6a or 6b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization provide any nonfixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported on Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III ..........................

If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

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

Cat. No. 50053T

Schedule J (Form 990) (Rev. 1-2025)

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported on Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2, 1099-MISC compensation, and/or 1099-NEC			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column (B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1MATTHEW BARTEL PRESIDENT AND CEO	(i) (ii)	226,871 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 0	19,152 ------------- 0	246,023 ------------- 0	0 ------------- 0
2SUSAN ROSEN CORPORATE SECRETARY	(i) (ii)	142,780 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 0	7,645 ------------- 0	150,425 ------------- 0	0 ------------- 0

Schedule J (Form 990) (Rev. 1-2025)

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation

Schedule J (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE O
(Form 990)
(Rev. January 2025)
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.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization

AMERICAN LEGAL & FINANCIAL NETWORK
C/O SCHMERSAHL TRELOAR & COMPANY PC

Employer identification number

04-3601831

Return Reference	Explanation
FORM 990, PART I, LINE 6:	WE HAVE APPROXIMATELY 600 VOLUNTEERS, WHICH COME FROM MEMBERS OF OUR BOARD OF DIRECTORS, AND FROM MEMBERS OF OUR MEMBER ADVISORY COMMITTEES. FORM 990 PART III, LINE 1, DESCRIPTION OF ORGANIZATION MISSION: ALFN HAS MEMBERSHIP OPPORTUNITIES FOR LAW FIRMS, FORECLOSURE TRUSTEES, VENDORS (INDUSTRY SERVICE PROVIDERS), MORTGAGE SERVICERS & GSE'S. OUR LARGEST MEMBERSHIP SEGMENT CONSISTS OF CREDITORS' RIGHTS LAW FIRMS AND FORECLOSURE TRUSTEES WHOSE PRIMARY BUSINESS IS REPRESENTING THE INTERESTS AND NEEDS OF THE FINANCIAL SERVICES INDUSTRY, AND PROVIDING BEST OF CLASS LEGAL SERVICES TO THEIR CLIENTS.
FORM 990, PART III, LINE 4A	FORM 990, PART III, LINE 4A, PROGRAM SERVICE ACCOMPLISHMENTS: PRIMARY EDUCATIONAL EVENTS, HOSTED BY THE ALFN: ALONGSIDE OUR EDUCATION AND MEMBER ADVOCACY OFFERINGS, NETWORKING WITH YOUR PEERS AND CLIENTS IS ONE OF THE MOST IMPORTANT BENEFITS THAT WE OFFER OUR MEMBERS. WE WERE VERY PLEASED TO HAVE MORE ATTENDEES AT SOME OF OUR EVENTS IN 2024 AS COMPARED TO 2023, AND MORE CLIENT ATTENDEES AT SOME OF OUR 2024 EVENTS. WE ALSO MAINTAINED BUDGETED FUNDS THAT WE UTILIZE TO PROVIDE SERVICER SCHOLARSHIPS TO ATTEND ALFN EVENTS, WHICH HELPED US GET MORE OF OUR MEMBERS' CLIENTS IN ATTENDANCE. WE WERE ALSO PLEASED TO PROCURE ATTENDANCE FROM GSE'S AND INVESTORS, AS WELL AS SPECIAL GUEST SPEAKERS, WHICH ADD EVEN MORE VALUE TO OUR EVENT NETWORKING AND EDUCATIONAL PROGRAMMING. OUR STAFF AND BOARD OF DIRECTORS WORK TIRELESSLY TO MAKE SURE THAT ALL ALFN EVENTS REMAIN IMPACTFUL AND BENEFICIAL FOR ALL OF OUR EVENT ATTENDEES. ANSWERS - ALFN TWENTY SECOND ANNUAL CONFERENCE, HELD JULY 14-17 AT THE PARK HYATT BEAVER CREEK RESORT, WITH 12 EDUCATIONAL SESSIONS, ALFN ANNUAL AWARDS LUNCHEON, MEMBER-ONLY AND CLIENT-ONLY SESSIONS, AND 271 ATTENDEES. THIS ANNUAL EVENT IS HELD EACH JULY AT A DIFFERENT RESORT DESTINTATION, WITH 225-400 ATTENDEES. ANSWERS REMAINS THE KEY EVENT FOR ALFN MEMBERS AND THE ASSOCIATION'S SERVICING PARTNERS TO MEET, NETWORK, GROW THEIR BUSINESS, AND DEEPEN THEIR RELATIONSHIPS. ANSWERS IS A MORTGAGE SERVICING AND REGULATORY COMPLIANCE EVENT THAT LEADS THE INDUSTRY IN EDUCATIONAL CONTENT AND NETWORKING OPPORTUNITIES. ANSWERS BRINGS TOGETHER ATTENDEES FROM MORTGAGE SERVICERS, GOVERNMENT-SPONSORED ENTERPRISES, NATIONAL BANKING INSTITUTIONS AS WELL AS THE ALFN'S LEADING NETWORK OF ATTORNEYS, TRUSTEES, AND INDUSTRY SERVICE PROVIDERS. 5 HOURS OF CLE CREDIT WAS AVAILABLE FOR ATTORNEYS AT THIS EVENT. INTERSECT (FORECLOSURE + BANKRUPTCY) - ALFN THIRTEENTH ANNUAL FORECLOSURE & BANKRUPTCY CONFERENCE, HELD IN-PERSON NOVEMBER 20 AT THE MARRIOTT DALLAS UPTOWN, WITH 3 GENERALSESSIONS, 6 BREAKOUT SESSIONS (3 FORECLOSURE & 3 BANKRUPTCY) AND 174 ATTENDEES. THIS EVENT WAS A COMBINATION OF OUR PREVIOUS FORECLOSURE AND BANKRUPTCY INTERESECT EVENTS, WHICH WERE HELD SEPARATLEY PRIOR TO 2024. THIS ANNUAL EVENT IS HELD EACH FALL IN DALLAS, WITH 140-175 ATTENDEES. THIS PROGRAM COVERS THE LATEST UPDATES IN FORECLOSURE & BANKRUPTCY, INCLUDING A FORECAST OF TRENDS AND ISSUES TO COME. OUR SCHEDULE INCLUDES DETAILED SESSIONS ON NATIONAL ISSUES AND FORECLOSURE & BANKRUPTCY TOPICS, AND SPOTLIGHTS STATE-SPECIFIC ISSUES THAT HAVE A BROAD IMPACT ON OUR INDUSTRY. SESSIONS ARE STRUCTURED FOR BOTH BASIC AND ADVANCED LEVELS. INTERSECT REINFORCES POSITIVE COLLABORATION WITH BANKRUPTCY AND FORECLOSURE DEPARTMENTS, LEGAL COUNSEL, SERVICE PROVIDERS, BORROWERS AND INVESTORS. 6 HOURS OF CLE CREDIT WAS AVAILABLE FOR ATTORNEYS AT THIS EVENT. IDEA SUMMIT - ALFN SECOND ANNUAL INCLUSION DIVERSITY EQUITY & AWARENESS "IDEA" SUMMIT WAS HELD IN-PERSON MAY 1-2 AT THE THOMPSON DALLAS, WITH 5 GENERAL SESSIONS AND 70 ATTENDEES. THIS ANNUAL DEI SUMMIT, HELD EACH SPRING IN DALLAS WITH 50-100 ATTENDEES, IS HOSTED BY THE ALFN IDEA COMMITTEE. AT THE ALFN IDEA SUMMIT, WE BRING TOGETHER THOUGHT LEADERS, INDUSTRY EXPERTS, AND ADVOCATES TO ENGAGE IN CRITICAL DISCUSSIONS AND EXPLORE INNOVATIVE SOLUTIONS SURROUNDING DEI ISSUES. OUR AGENDA INCLUDES GUEST SPEAKERS, PANEL DISCUSSIONS, AND INTERACTIVE ROUNDTABLES THAT INSPIRE, EDUCATE, AND EMPOWER ATTENDEES. WILLPOWER - ALFN SEVENTH ANNUAL WOMEN IN LEGAL LEADERSHIP "WILL" SUMMIT WAS HELD IN-PERSON MAY 1-2 AT THE THOMPSON DALLAS, WITH 6 GENERAL SESSIONS AND 122 ATTENDEES. THIS ANNUAL WOMEN'S LEADERSHIP SUMMIT, HELD EACH SPRING IN DALLAS WITH 100-150 ATTENDEES, IS HOSTED BY THE ALFN'S LARGEST MEMBER-DRIVEN VOLUNTEER GROUP, WOMEN IN LEGAL LEADERSHIP "WILL". THIS EVENT IS LESS ABOUT YOUR TYPICAL INDUSTRY TOPICS, AND MORE ABOUT BUILDING RELATIONSHIPS AND PROFESSIONAL DEVELOPMENT ALONGSIDE SOME OF THE INDUSTRY'S BRIGHTEST THOUGHT LEADERS, CONNECTED BY THE SAME WILL OF EMPOWERING WOMEN TO LEAD. MEN ARE ALSO ENCOURAGED TO ATTEND AND BE INVOLVED. ADDITIONAL EDUCATIONAL EVENTS HOSTED BY THE ALFN: ONLINE WEBINARS - ALFN CONTINUES TO PROVIDE SEVERAL WEBINARS EACH YEAR TO ASSIST OUR MEMBERS AND CLIENTS REGARDING BREAKING NATIONAL AND LOCAL LEGAL ISSUES. SINCE THE WEBINAR PROGRAM STARTED IN JANUARY 2008, ALFN HAS HOSTED OVER 375 WEBINARS ON TOPICS COVERING ECONOMIC OUTLOOK, LITIGATION TRENDS, REGULATORY AND COMPLIANCE UPDATES, LEGISLATIVE UPDATES, BANKRUPTCY BEST PRACTICES, OTHER FORECLOSURE RELATED TOPICS, AND MANY OTHERS. OUR WEBINARS REACH AN AVERAGE AUDIENCE OF 50 200+ FOR EACH PRESENTATION, WITH NEARLY HALF OF THOSE ATTENDEES TYPICALLY BEING MORTGAGE SERVICERS & GSE'S. ALFN CONSISTENTLY PLACES GOOD, SOLID, PRACTICAL INFORMATION IN THE HANDS OF OUR MEMBERS AND CLIENTS ON A REGULAR BASIS. OUR REGULAR WEBINAR ATTENDEES ARE MEMBERS OF THE ALFN, MEMBERS OF THE LOAN SERVICING COMMUNITY EXECUTIVE MANAGEMENT, IN-HOUSE COUNSEL, INVESTOR GROUPS, AND STATE AND FEDERAL HOUSING AND RATING AGENCY EXECUTIVES. BASED ON ATTENDEE FEEDBACK, THESE BROADCASTS CONTINUE TO BE ONE OF OUR TOP-RATED ONLINE EDUCATIONAL OFFERINGS. OUR COMMITTEE MEMBERS REGULARLY HOST WEBINARS ON REGULATORY ISSUES AND OTHER LEGAL TOPICS, AS WELL AS PRACTICE BUILDING AND PROFESSIONAL DEVELOPMENT TOPICS. ONSITE OR ONLINE TRAINING FOR MORTGAGE SERVICERS: WE PERIODICALLY HOST ONSITE TRAINING EVENTS AT MORTGAGE SERVICER LOCATIONS TO TRAIN THEIR STAFF ON INDUSTRY TOPICS AND LEGAL ISSUES. WE ALSO OFFER CUSTOMIZED ONLINE TRAINING SESSIONS TO MEET THE EDUCATIONAL NEEDS OF MORTGAGE SERVICERS WHO ARE UNABLE TO ACCOMMODATE IN-PERSON TRAINING EVENTS. ADDITIONAL PRESENTATIONS, EVENTS AND COMMUNICATIONS: ANNUAL AWARDS PRESENTATION: THE ALFN HAS THREE SEPARATE AWARDS THAT WE ANNOUNCE EACH JULY AT OUR ANSWERS CONFERENCE, WITH RECOGNITION PROVIDED IN THE ALFN ANNUAL AWARDS PUBLICATION. ALFN INDUSTRY ACHIEVEMENT AWARDS. THESE AWARDS ARE OPEN TO ALFN MEMBERS AND MORTGAGE SERVICERS OR GSE'S WHOSE OVERALL ACHIEVEMENTS AND WORK WITHIN THE FINANCIAL SERVICES INDUSTRY HAS HELPED PROVIDE OPPORTUNITIES IN ADVANCING THE LEGAL AND FINANCIAL SERVICES INDUSTRIES, THROUGH EDUCATION, TRAINING, LEADERSHIP, MENTORING OR ACTING AS A ROLE MODEL. UP TO 6 ALFN INDUSTRY ACHIEVEMENT AWARDS ARE GIVEN EACH YEAR (INCLUDING UP TO 5 AWARDS FOR ALFN MEMBERS, AND 1 SERVICER OR GSE AWARD). AWARD RECIPIENTS DISPLAY THE HIGHEST LEVEL OF PROFESSIONALISM AND LEADERSHIP, AND HAVE BEEN A CONTINUED ADVOCATE FOR THE INDUSTRY AND ALFN FOR AN EXTENDED PERIOD OF TIME. 2 ALFN INDUSTRY ACHIEVEMENT AWARDS WERE GIVEN THIS YEAR TO 2 ALFN MEMBERS. ALFN JPEG PICTURE THE FUTURE AWARDS PRESENTED BY ALFN'S JUNIOR PROFESSIONALS & EXECUTIVES GROUP "JPEG". NOMINEES SHOULD BE UNDER THE AGE OF 40, AND MUST BE EMPLOYED IN-HOUSE BY AN ALFN MEMBER BUSINESS, MORTGAGE SERVICER, OR GSE. WE ARE LOOKING FOR A FEW KEY ATTRIBUTES IN OUR JPEG PICTURE THE FUTURE WINNERS EACH YEAR, INCLUDING: LONG-TERM COMMITMENT TO THE CREDITORS' RIGHTS INDUSTRY; INITIATIVE AND WILLINGNESS TO LEAD, EDUCATE, AND IMPROVE OUR INDUSTRY AS A WHOLE; INDIVIDUALS WHO ARE SERVICE AND VOLUNTEER LEADERS, RECOGNIZED WITHIN THEIR ORGANIZATIONS, AND WHO BRING VALUE TO THE ALFN; INDIVIDUALS WHO ARE ROLE MODELS FOR OTHER YOUNG PROFESSIONALS AND WHO ARE ACTIVELY INVOLVED IN THE ADVANCEMENT OF YOUNG PROFESSIONALS IN OUR INDUSTRY. WE RECOGNIZED 8 YOUNG PROFESSIONALS WHO RECEIVED THE PICTURE THE FUTURE AWARD THIS YEAR. ALFN MEMBER SERVICE AWARDS. AWARD GIVEN TO THE TOP 2 LAW FIRM/FORECLOSURE TRUSTEE MEMBER COMPANIES AND THE TOP 2 ASSOCIATE MEMBER COMPANIES THAT HAVE EXHIBITED THE HIGHEST LEVEL OF SUPPORT AND PARTICIPATION IN THE ALFN THROUGHOUT THE PAST YEAR. THIS LEVEL OF SUPPORT IS DETERMINED BY A MEMBER COMPANIES' PARTICIPATION IN CERTAIN ALFN ACTIVITIES SUCH AS LEADERSHIP POSITIONS HELD, COMMITTEE INVOLVEMENT, AUTHORING ARTICLES, SPEAKING AT EVENTS, AND OTHERS. WE RECOGNIZED 4 ALFN MEMBERS WITH THE MEMBER SERVICE AWARD THIS YEAR. ALFN UPDATES BY EMAIL DISTRIBUTION: ALFN ISSUES LEGAL UPDATES TO OUR DATABASE OF NEARLY 6000 INDUSTRY PROFESSIONALS AS WE BECOME AWARE OF IMPORTANT ISSUES, TO HELP IDENTIFY AND EXPLAIN CASES THAT TAKE NEW OR NOVEL APPROACHES TO STATUTORY CLAIMS AND, IN DOING SO, IDENTIFY IMPORTANT LEGAL TRENDS AS THEY DEVELOP. OTHER INDUSTRY EVENTS ATTENDED BY THE ALFN STAFF AND BOARD: ALFN EXECUTIVES ATTEND SEVERAL OTHER KEY INDUSTRY CONFERENCES THROUGHOUT THE YEAR (NOT HOSTED BY THE ALFN), WE TYPICALLY ATTEND THE MBA MORTGAGE SERVICING CONFERENCE HELD EACH FEBRUARY (ALFN EXHIBITS ANNUALLY AT THIS CONFERENCE WITH OUR EXHIBIT BOOTH), FIVE STAR CONFERENCE IN DALLAS HELD EACH SEPTEMBER, AND OTHERS.
FORM 990, PART III, LINE 4B	FORM 990, PART III, LINE 4B, PROGRAM SERVICE ACCOMPLISHMENTS: ADVOCACY & INDUSTRY LEADERSHIP: WE COMMUNICATED WITH THE CFPB REGARDING OURLETTER SURROUNDING THE PROPOSED CHANGES TO REGULATION X. WE CONTINUED OUR OUTREACH TO VA, FANNIE MAE AND FREDDIE MAC TO CONTINUE ADVOCATING FOR THE NEEDS OF OUR COLLECTIVE MEMBERS. ALFN CONTINUES TO MAINTAIN A DIRECT SOURCE REO CLOSING AND TITLE REFERRAL PROGRAM WITH REO NATIONWIDE THAT CONTINUES TO FUNNEL REO CLOSING AND TITLE BUSINESS TO LAW FIRM MEMBERS OF THE ALFN. MORTGAGE SERVICERS CONTINUE TO SEEK REFERRALS THROUGH THE ALFN MEMBER NETWORK, AND PEER-TO-PEER NETWORK REFERRALS CONTINUE AMONG MEMBERS THROUGH THE ALFN. THESE RELATIONSHIPS HAVE DIRECTLY RESULTED IN NEW BUSINESS OPPORTUNITIES FOR OUR MEMBERS AND DIRECT COST SAVINGS ON MANY IMPORTANT PRODUCTS AND SERVICES UTILIZED BY ALFN MEMBERS. ALFN CONTINUES TO WORK WITH OTHER ASSOCIATIONS IN OUR INDUSTRY WHERE IT MUTUALLY BENEFITS OUR MEMBERS AND CLIENTS. WE PERIODICALLY PARTICIPATE WITH THESE OTHER INDUSTRY ASSOCIATIONS THROUGH JOINT TASK FORCES TO DRAFT COMMENT LETTERS ON REGULATORY ISSUES AND OTHER ISSUES IMPACTING OUR JOINT MEMBERS. ALFN ALSO SUBMITS INDIVIDUAL COMMENT LETTERS. WE CONTINUALLY SEEK OPPORTUNITIES WHERE OUR ADVOCACY EFFORTS CAN RESULT IN POSITIVE RESULTS FOR THE BEST INTERESTS OF OUR MEMBERS.
FORM 990, PART III, LINE 4C	FORM 990, PART III, LINE 4C, PROGRAM SERVICE ACCOMPLISHMENTS: PUBLICATIONS: ALFN PUBLICATIONS ARE MADE AVAILABLE ONLINE ONLY, AND ARE DISTRIBUTED TO OUR INDUSTRY DATABASE OF CONTACTS, FEATURED ON OUR WEBSITE, AND AVAILABLE ON OUR EVENT MOBILE APP DURING AT ALL ALFN EVENTS THROUGHOUT THE YEAR AND AT OUR EXHIBIT BOOTH AT THE MBA SERVICING SOLUTIONS CONFERENCE EACH FEBRUARY. THE ANGLE IS THE ALFN'S FLAGSHIP PUBLICATION, PUBLISHED ONLINE EACH QUARTER. THE MAGAZINE FEATURES IN-DEPTH LEGAL ANALYSIS OF LOCAL, STATE, AND FEDERAL LAWS AFFECTING MORTGAGE SERVICING, BANKRUPTCY AND FORECLOSURE THROUGHOUT THE COUNTRY. READERS WILL FIND MEMBER SPOTLIGHTS, STATE SNAPSHOTS, INFOGRAPHICS, AND FEATURE-LENGTH ARTICLES IN EACH ISSUE OF THE ANGLE. WILLED CONTAINS ARTICLES THAT ARE AUTHORED BY MEMBERS OF THE ALFN'S WOMEN IN LEGAL LEADERSHIP (WILL) GROUP, AND IS PUBLISHED ONLINE ON A QUARTERLY BASIS. ARTICLES FOCUS DIRECTLY ON THE ISSUES THAT IMPACT WOMEN, WITH A FOCUS ON EMPOWERING WOMEN BY PROVIDING THE EDUCATIONAL TOOLS THEY NEED TO BE LEADERS. THE MEMBERSHIP DIRECTORY GUIDE (THE LEGALIST) IS DISTRIBUTED ONLINE, AND IS UPDATED EACH JULY. THIS PUBLICATION INCLUDES AN EASY-TO-USE ALPHABETICAL LISTING OF ALL ALFN MEMBERS THROUGHOUT THE COUNTRY AND IS ORGANIZED BY STATE (FOR LAW FIRM/FORECLOSURE TRUSTEE MEMBERS) AND BY SERVICE OFFERING (FOR ASSOCIATE MEMBERS). THE PUBLICATION ALSO INCLUDES INFORMATION ABOUT THE ALFN, HOW TO JOIN, EVENT INFORMATION AND OTHER DETAILS ABOUT THE ALFN. THE ANNUAL AWARDS PUBLICATION IS AVAILABLE ONLINE, AND IS USED TO RECOGNIZE THE RECIPIENTS OF OUR 3 DIFFERENT AWARD TYPES. THE PUBLICATION IS RELEASED EACH JULY AT OUR ANSWERS CONFERENCE.
FORM 990, PART VI, SECTION A, LINE 4	ALFN AMENDED ITS BYLAWS IN MAY 2024, WITH THE REQUIRED MAJORITY OF ALL MEMBERS ENTITLED TO VOTE ON THESE BYLAW AMENDMENTS. 85% OF THE ELIGIBLE MEMBERS VOTED, 84% OF THOSE VOTING MEMBERS VOTED TO APPROVE THE AMENDED BYLAWS. THE AMENDMENTS INCLUDED GLOBAL UPDATES SUCH AS STYLISTIC EDITS, UPDATED TERMINOLOGY FOR MEMBERSHIP TYPES, AND CLARIFICATIONS OF OFFICER ROLES. SPECIFIC REVISIONS ADDRESSED THE ORGANIZATION'S PURPOSE, MEMBERSHIP DEFINITIONS, AND GOVERNANCE STRUCTURE, INCLUDING INCREASING THE BOARD SIZE TO 11 DIRECTORS, ADJUSTING QUALIFICATIONS, AND REDEFINING AT-LARGE DIRECTOR SEATS. ADDITIONAL UPDATES REORGANIZED ARTICLES FOR CLARITY, REFINED PROCESSES FOR MEETINGS, MEMBERSHIP ACTIONS, AND OFFICER ELECTIONS, AND ADDED DETAILED PROVISIONS FOR COMMITTEES, FISCAL MATTERS, AND CONFLICT OF INTEREST POLICIES.
FORM 990, PART VI, SECTION A, LINE 6	THE ALFN OFFERS FOUR GENERAL MEMBERSHIP TYPES: LAW FIRM/FORECLOSURE TRUSTEE, VENDOR/ASSOCIATE, MORTGAGE SERVICER AND GOVERNMENT/INVESTOR. LAW FIRM/FORECLOSURE TRUSTEE MEMBERS ARE CATEGORIZED INTO TWO SEPARATE CLASSES: 1) AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE AND 2) NON-AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE. ONLY AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS AND NON-AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS HAVE VOTING RIGHTS.
FORM 990, PART VI, SECTION A, LINE 7A	AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE CLASS MEMBERS VOTE TO ELECT ONE DIRECTOR AND NON-AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS VOTE TO ELECT FOUR DIRECTORS. UP TO SIX DIRECTORS AT LARGE MAY BE APPOINTED BY THE CEO, WITH THE ADVICE AND CONSENT OF THE MAJORITY OF THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	ANY MEMBER OF THE BOARD OF DIRECTORS MAY BE REMOVED AT ANY TIME, WITH OR WITHOUT CAUSE OR REASON, UPON THE FOLLOWING CONDITIONS: (A) ELECTED DIRECTORS. (1) IN THE CASE OF A NON-AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE CLASS DIRECTOR, BY A VOTE OF A MAJORITY OF THE NON-AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS VOTING ELECTRONICALLY AT WHICH A MAJORITY OF THE NON-AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS HAVE CAST A VOTE; OR (2) IN THE CASE OF AN AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE CLASS DIRECTOR, BY A VOTE OF A MAJORITY OF THE AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS VOTING ELECTRONICALLY AT WHICH A MAJORITY OF THE AFFILIATED LAW FIRM/FORECLOSURE TRUSTEE MEMBERS HAVE CAST A VOTE; OR (3) THE BOARD MAY REMOVE AN ELECTED DIRECTOR FOR FAILING TO ATTEND THE SPECIFIED NUMBER OF MEETINGS AS SET FORTH IN ARTICLE 12, SECTION 1. THE DIRECTOR MAY BE REMOVED ONLY IF A MAJORITY OF THE DIRECTORS THEN IN OFFICE VOTE FOR THE REMOVAL. (B) APPOINTED AT LARGE DIRECTORS. (1) THE AFFIRMATIVE VOTE OF A MAJORITY OF THE VOTES CAST AT A MEETING OF THE BOARD OF DIRECTORS AT WHICH A MAJORITY OF THE VOTING POWER OF ALL OF THE BOARD MEMBERS IS PRESENT; OR (2) THE RECEIPT BY THE PRESIDENT & CEO OF CONSENTS IN WRITING, SETTING FORTH THE APPROVAL OF THE REMOVAL, SIGNED BY AT LEAST FIFTY-ONE PERCENT (51%) OF THE MEMBERS OF THE BOARD OF DIRECTORS; OR (3) THE BOARD MAY REMOVE AN APPOINTED DIRECTOR FOR FAILING TO ATTEND THE SPECIFIED NUMBER OF MEETINGS AS SET FORTH IN ARTICLE 12, SECTION 1. THE DIRECTOR MAY BE REMOVED ONLY IF A MAJORITY OF THE DIRECTORS THEN IN OFFICE VOTE FOR THE REMOVAL.
FORM 990, PART VI, SECTION B, LINE 11B	THE ORGANIZATION'S OUTSIDE CPA FIRM PREPARES A DRAFT FORM 990 THAT IS PRESENTED TO THE ORGANIZATION'S OFFICERS FOR REVIEW AND APPROVAL. AFTER APPROVAL, THE FINAL FORM 990 IS SUBMITTED TO THE BOARD OF DIRECTORS FOR REVIEW AND COMMENT PRIOR TO FILING THE RETURN WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	THE MODEL EXECUTIVE TEAM AND BOARD OF DIRECTORS' CODE OF ETHICS FOR THE ORGANIZATION REQUIRED EXECUTIVES AND BOARD MEMBERS TO IDENTIFY POTENTIAL CONFLICTS OF INTEREST AND DISCLOSE SUCH CONFLICT AND TO BE REMOVED FROM ALL DISCUSSION AND VOTING ON SUCH MATTERS. EXECUTIVES AND BOARD MEMBERS ARE ALSO REQUIRED TO AVOID THE APPEARANCE OF PLACING THEIR OWN SELF-INTERESTS OR ANY THIRD-PARTY INTEREST ABOVE THAT OF THE ORGANIZATION. THE ORGANIZATION'S BOARD POLICY MANUAL ALSO REQUIRED THE BOARD MEMBERS TO AVOID CONFLICT OF INTERESTS WITH RESPECT TO THEIR FIDUCIARY RESPONSIBILITIES. SELF-DEALING AND BUSINESS BY A BOARD MEMBER WITH THE ORGANIZATION MUST BE ANNUALLY DISCLOSED INCLUDING INVOLVEMENT WITH ANY OTHER ORGANIZATION THAT MAY BE REASONABLY SEEN AS BEING IN CONFLICT. IF THERE IS AN UNAVOIDABLE CONFLICT OF INTEREST TRANSACTION SUCH AS A BOARD MEMBER'S WITHDRAWAL WITHOUT COMMENT FROM ANY VOTE OR DELIBERATION ON THE MATTER. THE ORGANIZATION'S BY-LAWS FURTHER PROVIDE THAT A CONFLICT OF INTEREST TRANSACTION IS NOT VOIDABLE IF THE DIRECTOR'S INTEREST WAS DISCLOSED AND KNOWN TO THE MEMBERS OR THE BOARD OF DIRECTORS. THE TRANSACTION IS NOT VOIDABLE IF THE DIRECTOR'S INTEREST WAS DISCLOSED AND KNOWN TO THE MEMBERS OR THE BOARD OF DIRECTORS WHEN THE TRANSACTION WAS APPROVED, AUTHORIZED OR RATIFIED BY THE MEMBERS OR BOARD OF DIRECTORS, AS APPROPRIATE. PRIOR TO ALL BOARD MEETINGS THERE IS AN OPPORTUNITY FOR BOARD MEMBERS TO VOICE CONFLICTS OF INTEREST. OUR ANTITRUST AVOIDANCE STATEMENT, CONFIDENTIALITY STATEMENT, AND CONFLICT OF INTEREST STATEMENT IS REITERATED BEFORE EACH MEETING STARTS. THE ORGANIZATION ALSO ADOPTED A STAND-ALONE CONFLICT OF INTEREST POLICY EFFECTIVE AS OF SEPTEMBER 15, 2009.
FORM 990, PART VI, SECTION B, LINE 15	THE CEO CONDUCTED A COMPENSATION REVIEW FOR ALL STAFF, AND THE BOARD OF DIRECTORS CONDUCTED A COMPENSATION REVIEW FOR THE CEO. THE PROCEDURE INVOLVES A REVIEW OF THE EMPLOYEE'S ANNUAL INTERVIEW AND EVALUATION AND AN EXAMINATION OF THE COMPENSATION PAID TO SIMILARLY POSITIONED EMPLOYEES IN SIMILARLY SITUATED ORGANIZATIONS. FORM 990'S ARE REVIEWED OF OTHER SIMILAR ASSOCIATIONS, AS WELL AS A REVIEW OF ASSOCIATION COMPENSATION SURVEYS AND DATA PROVIDED BY ASAE. THE CEO DETERIMINES COMPENSATION FOR ALL STAFF AND IT IS APPROVED IN THE ANNUAL OPERATING BUDGET BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS APPROVES THE COMPENSATION FOR THE CEO.
FORM 990, PART VI, SECTION C, LINE 18	THE FORM 990 IS AVAILABLE FOR MEMBERS ON THE ORGANIZATION'S WEBSITE AND IS AVAILABLE UPON REQUEST FOR A PERIOD OF THREE YEARS FROM THE DUE DATE OF THIS RETURN FOR OTHER PERSONS. WE POST THE LAST TWO YEAR'S FORM 990'S, THE ANNUAL BOARD APPROVED OPERATING BUDGET, AS WELL AS THE PREVIOUS TWO YEAR'S BUDGET VS ACTUALS (P&L), TO THE MEMBERS ONLY PORTION OF THE ALFN WEBSITE FOR VIEWING BY OUR MEMBERS.
FORM 990, PART VI, SECTION C, LINE 19	COPIES OF ALL OF THE ORGANIZATION'S GOVERNANCE DOCUMENTS PREVIOUSLY MADE PUBLIC ARE AVAILABLE TO THE PUBLIC UPON REQUEST.

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

Cat. No. 51056K

Schedule O (Form 990) (Rev. 1-2025)

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