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Non-profit

Nebraskans for Responsible Lending

Website:

votefor428.com/%20
Location:

Hyannis, NE
Tax ID:

84-2988349
Tax-Exempt Status:

501(c)(4)

Formation:

2019
Type:

Consumer Advocacy Organization
Executive Director:

Kate Wolf
Budget (2020):

Revenue:                         $316,912.30

Expenses:                        $543,860.15

Assets:                             $22,722.15 1

References

  1. “Nebraskans for Responsible Lending.” Summary of Receipts. Nebraska Accountability and Disclosure Commission. Accessed November 20, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1f&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.

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Nebraskans for Responsible Lending was a coalition of left-of-center organizations and a registered lobbying organization that led the successful campaign in support of Nebraska Ballot Initiative 428, which lowered annual percentage yield interest rates on short-term “payday loans” in the 2020 election cycle. 1 2

The coalition received support from left-of-center organizations including $1,401,961 from the Sixteen Thirty Fund, which is operated by left-of-center dark money group Arabella Advisors; 3 $1,299,281 from the ACLU; $134,451 from the Hopewell Fund, another group operated by Arabella Advisors; and $122,994 from the Nebraska Appleseed Center for Law in the Public Interest during the course of the election cycle. 4

Nebraskans for Responsible Lending’s coalition members included left-of-center organizations such as AARP, the ACLU, Heartland Workers Center, League of Women Voters of Nebraska, National Association of Social Workers, Nebraska Appleseed, the NAACP, 5 and others. 6

History and Leadership

Nebraskans for Responsible Lending was a coalition of left-of-center organizations that organized voters in support of Nebraska Ballot Initiative 428 in the 2020 election cycle. 7

Kate Wolfe was the program’s campaign manager. 8 She is a trainer for the National Democratic Training Committee 9 and president and managing consultant of PolitiKate, Inc., 10 which was paid $6,897 for campaign management and mileage reimbursement fees by Nebraskans for Responsible Lending. 11

Activities and Funding

Nebraskans for Responsible Lending was a registered lobbying organization in Nebraska 12 that was in charge of the campaign in support of Nebraska Ballot Initiative 428, which lowered annually assessed maximum interest rates on short-term “payday loans” from over 400 percent to 36 percent. 13 The coalition collected more than 120,000 valid signatures to get the initiative on the ballot, far more than the threshold minimum of 85,200. 14

Using extensive out-of-state funding, 15 Nebraskans for Responsible Lending ran a comprehensive advertising 16 and turnout campaign across the state, spending hundreds of thousands of dollars on commercial campaigns. 17 Nebraska Ballot Initiative 428 was approved by voters on November 3, 2020, receiving 82.80 percent of the vote, 18 a result ACLU national political director Ronald Newman referred to as a “huge moment in the fight for achieving economic and racial justice.” 19

Nebraskans for Responsible Lending coalition members included left-of-center organizations such as AARP of Nebraska, ACLU of Nebraska, Community Action of Nebraska, Habitat for Humanity of Omaha, Heartland Workers Center, Immigrant Legal Center, League of Women Voters of Nebraska and Greater Omaha, Lending link, National Association of Social Workers, Nebraska Appleseed, the NAACP, 20 Voices for Children in Nebraska, Women’s Fund of Omaha, Youth Emergency Services, YWCA of Lincoln, and others. 21

Nebraskans for Responsible Lending spent a total of $3,644,260.20 in support of Ballot Initiative 428 during the 2020 election cycle. 22 The coalition’s expenses included in-kind expenses to the ACLU, the Fairness Project, Hopewell Fund, Nebraska Appleseed Action Fund, Nebraska Appleseed Center for Law in the Public Interest, 23 and $20,500 on Facebook advertisements. 24

Funding

Nebraskans for Responsible Lending received support from left-of-center organizations including $1,401,961 from the Sixteen Thirty Fund, which is operated by left-of-center dark money group Arabella Advisors; 25 $1,299,281 from the ACLU; $134,451 from the Hopewell Fund, another group operated by Arabella Advisors; $122,994.28 from the Nebraska Appleseed Center for Law in the Public Interest; and $48,915.75 from the Fairness Project during the 2020 election cycle. 26

References

  1. “Fourth Day – January 13, 2020 – Legislative Journal.” One Hundred Sixth Legislature, Second Session. Nebraska State Legislature. January 13, 2020. pg. 252. https://nebraskalegislature.gov/FloorDocs/106/PDF/Journal/r2day4.pdf.
  2. Dunker, Chris. “TV ads backing payday lending measure set to air statewide.” Lincoln Journal-Star. September 25, 2020. Updated October 31, 2020. Accessed via Web Archive November 21, 2021. https://web.archive.org/web/20201113153445/https://journalstar.com/news/state-and-regional/govt-and-politics/article_f6d43fe3-0f94-541a-be4f-340623ad6132.html.
  3. “Nebraskans for Responsible Lending.” Nebraska Accountability and Disclosure Commission. 2020. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1b&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  4. “Nebraskans for Responsible Lending.” Nebraska Accountability and Disclosure Commission. 2020. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1b&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  5. “ACLU Comment on Nebraska Voters Passing ACLU-Backed Ballot Measure to Stop Predatory Lending.” ACLU. November 4, 2020. Accessed November 20, 2021. https://www.aclu.org/press-releases/aclu-comment-nebraska-voters-passing-aclu-backed-ballot-measure-stop-predatory.
  6. “Nebraskans for Responsible Lending.” Nebraskans for Responsible Lending. September 20, 2020. Accessed via Web Archive. November 20, 2021. https://web.archive.org/web/20200922174326/http://votefor428.com/.
  7. Dunker, Chris. “TV ads backing payday lending measure set to air statewide.” Lincoln Journal-Star. September 25, 2020. Updated October 31, 2020. Accessed via Web Archive November 21, 2021. https://web.archive.org/web/20201113153445/https://journalstar.com/news/state-and-regional/govt-and-politics/article_f6d43fe3-0f94-541a-be4f-340623ad6132.html.
  8. Dunker, Chris. “Vast majority of voters approve 36% cap on payday loan rates.” Beatrice Daily Sun. November 3, 2020. Accessed via Web Archive November 20, 2021. https://archive.md/8od2S.
  9. “Kate Wolfe.” LinkedIn. Accessed November 21, 2021. https://www.linkedin.com/in/kate-wolfe-b301b84a/details/experience/.
  10. “Kate Wolfe.” LinkedIn. Accessed November 21, 2021. https://www.linkedin.com/in/kate-wolfe-b301b84a/details/experience/.
  11.  “SCHEULE D – Section 1: Expenditures of Over $250 this Period.” Nebraska Accountability and Disclosure Commission. 2020 Election Cycle. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1d&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  12. “Fourth Day – January 13, 2020 – Legislative Journal.” One Hundred Sixth Legislature, Second Session. Nebraska State Legislature. January 13, 2020. pg. 252. https://nebraskalegislature.gov/FloorDocs/106/PDF/Journal/r2day4.pdf.
  13. Beman, Mashea. “Nebraskans for Responsible Lending’s First TV Spot to Run Statewide.” The best Mix 105.5. September 23, 2020. Accessed November 20, 2021. https://www.thebestmix1055.com/2020/09/23/nebraskans-for-responsible-lendings-first-tv-spot-to-run-statewide/.
  14.  Stoddard, Martha. “Nebraska group behind petition drive to cap interest rates on payday loans turns in signatures.” Omaha World-Herald. June 24, 2020. Accessed via Web Archive November 21, 2021. https://archive.md/tQ26z.
  15. “Nebraskans for Responsible Lending.” Nebraska Accountability and Disclosure Commission. 2020. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1b&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  16. Dunker, Chris. “TV ads backing payday lending measure set to air statewide.” Lincoln Journal-Star. September 25, 2020. Updated October 31, 2020. Accessed via Web Archive November 21, 2021. https://web.archive.org/web/20201113153445/https://journalstar.com/news/state-and-regional/govt-and-politics/article_f6d43fe3-0f94-541a-be4f-340623ad6132.html.
  17. Dunker, Chris. “TV ads backing payday lending measure set to air statewide.” Lincoln Journal-Star. September 25, 2020. Updated October 31, 2020. Accessed via Web Archive November 21, 2021. https://web.archive.org/web/20201113153445/https://journalstar.com/news/state-and-regional/govt-and-politics/article_f6d43fe3-0f94-541a-be4f-340623ad6132.html.
  18. “Official Results: General Election -November 3, 2020. Nebraska Secretary of State. Accessed November 20, 2021. https://electionresults.nebraska.gov/resultsSW.aspx?text=Race&type=PA&map=CTY.
  19. Swaminathan, Aarthi. Nebraskans overwhelmingly vote to rein in payday loans.” Yahoo! News. November 34, 2020. Accessed November 20, 2021. https://www.yahoo.com/now/nebraska-voters-overwhelmingly-vote-to-rein-in-payday-loans-142710917.html.
  20. “ACLU Comment on Nebraska Voters Passing ACLU-Backed Ballot Measure to Stop Predatory Lending.” ACLU. November 4, 2020. Accessed November 20, 2021. https://www.aclu.org/press-releases/aclu-comment-nebraska-voters-passing-aclu-backed-ballot-measure-stop-predatory.
  21. “Nebraskans for Responsible Lending.” Nebraskans for Responsible Lending. September 20, 2020. Accessed via Web Archive. November 20, 2021. https://web.archive.org/web/20200922174326/http://votefor428.com/.
  22. “Nebraskans for Responsible Lending.” Nebraska Accountability and Disclosure Commission. 2020. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1b&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  23. “SCHEDULE D – Section 1: Expenditures of Over $250 this Period.” Nebraska Accountability and Disclosure Commission. Accessed November 20, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1d&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  24.  “Vote For 428: Nebraskans for Responsible Lending.” Facebook Ad Library. Accessed November 21, 2021. https://www.facebook.com/ads/library/?active_status=all&ad_type=political_and_issue_ads&country=US&view_all_page_id=228129474314319&sort_data[direction]=desc&sort_data[mode]=relevancy_monthly_grouped&search_type=page&media_type=all.
  25. “Nebraskans for Responsible Lending.” Nebraska Accountability and Disclosure Commission. 2020. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1b&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
  26. “Nebraskans for Responsible Lending.” Nebraska Accountability and Disclosure Commission. 2020. Accessed November 21, 2021. https://nadc.nebraska.gov/ccdb/search.cgi?page=formb1b&IDNO=19BQC00484&OFFREC=01/12/2021&REPORT_ID=78458.
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Nebraskans for Responsible Lending

66455 Ponderosa Road
Hyannis, NE