Conference of State Bank Supervisors Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
THE MISSION OF THE CONFERENCE OF STATE BANK SUPERVISORS (CSBS) IS TO SUPPORT THE LEADERSHIP ROLE OF STATE BANKING SUPERVISORS IN ADVANCING THE STATE BANKING SYSTEM AND BENEFIT THE PUBLIC BY ENSURING SAFETY AND SOUNDNESS, PROMOTING ECONOMIC GROWTH AND CONSUMER PROTECTION, AND FOSTERING INNOVATIVE STATE REGULATION OF THE FINANCIAL SERVICES INDUSTRY.
- Income
- $97.6 million
- Spending
- $91.5 million
- Spent on programs
- 93%
- Reserves
- 18.1 months of spending
- Largest source of income
- fees for its services, 94%
- Employees
- 196
- Volunteers
- 96
- Highest pay
- $939,303, president and ceo
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Strong: 96 out of 100. Higher than 88% of charities in its peer group (public benefit, $10m to $100m).
Reserves
35 of 35Spendable reserves would cover 18.1 months of spending.
Debt
16 of 20It owes 21% of what it owns.
Living within its means
15 of 15Income exceeded spending by 6% of income.
Income trend
15 of 15Income rose 5% on the year before.
Spending floor
15 of 1592% of spending went to programs.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 43% of charities in its peer group (public benefit, $10m to $100m).
Independent board
25 of 2520 of 20 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- $71.9 million spent. CONFERENCE OF STATE BANK SUPERVISORS (CSBS), ON BEHALF OF STATE REGULATORS, OWNS AND OPERATES NMLS, AN ONLINE LICENSING, REGISTRATION, AND SUPERVISORY PLATFORM THAT BRINGS REGULATORY EFFICIENCY AND ACCOUNTABILITY TO THE MORTGAGE INDUSTRY AND OTHER NONBANK FINANCIAL SERVICES PROVIDERS.NMLS OPERATIONS BEGAN JAN. 2, 2008. CONGRESS RECOGNIZED THE VALUE OF THE NEW SYSTEM AND THAT JULY CODIFIED NMLS IN THE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2008. KNOWN AS THE "SAFE ACT," THE LAW WAS ENACTED TO ENHANCE CONSUMER PROTECTION AND REDUCE FRAUD THROUGH REQUIRED MINIMUM STANDARDS FOR THE LICENSING AND REGISTRATION OF STATE-LICENSED MORTGAGE LOAN ORIGINATORS (MLOS). THE LAW ALSO CALLS ON STATES TO IMPLEMENT AND ENFORCE THESE STANDARDS, REQUIRING MLOS TO MEET PRE-LICENSURE AND ANNUAL CONTINUING EDUCATION REQUIREMENTS.STATE-LICENSED FINANCIAL SERVICES COMPANIES AND MLOS MUST MAINTAIN AN ACTIVE LICENSE THROUGH NMLS, WHILE FEDERALLY REGULATED DEPOSITORY INSTITUTIONS (E.G., BANKS AND CREDIT UNIONS) AND THE MLOS THEY EMPLOY MUST MAINTAIN AN ACTIVE REGISTRATION. CONGRESS MANDATES THAT STATE LICENSEES AND FEDERAL REGISTRANTS MUST RENEW THEIR MORTGAGE STATE LICENSE AND FEDERAL REGISTRATION, RESPECTIVELY, ON AN ANNUAL BASIS.IN 2024, MORE THAN 550,000 INDIVIDUALS WERE LICENSED OR REGISTERED THROUGH NMLS, MORE THAN 34,000 COMPANIES HELD A STATE LICENSE, AND ANOTHER 8,000 COMPANIES HELD A FEDERAL REGISTRATION. WHILE ALL REGISTRATIONS ARE FROM THE MORTGAGE INDUSTRY, THE LICENSES ARE HELD BY FIRMS ENGAGED IN ANY OF THE 70-PLUS NONBANK FINANCIAL ACTIVITIES FOR WHICH STATES REQUIRE LICENSING, INCLUDING MORTGAGE, MORTGAGE SERVICING, MONEY SERVICES BUSINESSES, CONSUMER FINANCE AND DEBT COLLECTION. RECOGNIZING TECHNOLOGICAL ADVANCES OVER THE PAST 16 YEARS, CSBS HAS TAKEN STEPS TO UPDATE THE NMLS PLATFORM. THIS YEAR, WE UPGRADED THE LOGIN PROCESS, ALLOWING USERS TO RECOVER THEIR PASSWORD WITHOUT CONTACTING THE CALL CENTER AND TO CONSOLIDATE MULTIPLE NMLS ACCOUNTS USING ONLY ONE LOGIN.
- $10.0 million spent. THE GOVERNMENT RELATIONS FUNCTION OF CONFERENCE OF STATE BANK SUPERVISORS IS THE RESPONSIBILITY OF THE POLICY AND SUPERVISION DIVISION. THE DIVISION COVERS LEGISLATIVE ISSUES AND ADVOCACY, REGULATORY POLICY, BANK SUPERVISION PRACTICES AND COORDINATION, NONBANK SUPERVISION, AND CONSUMER PROTECTION. THE WORK OF THE DIVISION FOCUSES ON THE DIVERSITY OF THE BANKING INDUSTRY, TAILORING REGULATION, AND SERVING AS STATE REGULATORS' LIAISON WITH FEDERAL FINANCIAL REGULATORS. STAFF ALSO ENGAGE IN EFFORTS TO ENHANCE THE EFFECTIVENESS OF STATE SUPERVISION OF BANKS AND NONBANK ENTITIES, INCLUDING FINANCIAL TECHNOLOGY, OR FINTECH, COMPANIES. WE DEDICATE CONSIDERABLE TIME AND RESOURCES TO ASSISTING THE STATES IN THE COORDINATION OF MULTI-STATE SUPERVISION OF THE NONBANK MORTGAGE INDUSTRY. COLLECTIVELY, OUR GOAL IS TO ENSURE THE STATE FINANCIAL REGULATORY SYSTEM IS STRONGLY REPRESENTED IN THE FORMATION OF FEDERAL PUBLIC POLICY. WE MEET THIS GOAL BY MAINTAINING REGULAR CONTACT WITH STATE SUPERVISORS TO BE AWARE OF CURRENT ISSUES AND COORDINATE BEST PRACTICES FOR THE BENEFIT OF THE SYSTEM.
- $2.4 million spent. CONFERENCE OF STATE BANK SUPERVISORS (CSBS) PROVIDES ANNUAL OPERATING SUPPORT TO THE CSBS EDUCATION FOUNDATION, A RELATED 501(C)(3) EDUCATIONAL FOUNDATION, TO ASSIST THE FOUNDATION IN CARRYING OUT ITS MISSION.
- $316,438 spent. THE COMMUNICATIONS TEAM PROMOTES THE ORGANIZATION'S PRIORITIES THROUGH STRATEGY AND INFRASTRUCTURE; COMMUNICATIONS MANAGES AND STRENGTHENS CONFERENCE OF STATE BANK SUPERVISORS' (CSBS) VOICE, MESSAGING, AND IDENTITY ACROSS AUDIENCES THROUGH SPEAKING ENGAGEMENTS, MEDIA RELATIONS, EDITORIAL CONTENT, AND DIGITAL MARKETING, INCLUDING THE CSBS WEBSITE AND SOCIAL MEDIA CHANNELS.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since May 2012.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.
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