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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <Form990PartVIISectionAGrp>
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      <Form990PartVIISectionAGrp>
        <PersonNm>MARISSA KALIMAN</PersonNm>
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        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>DAVID BAKER</PersonNm>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>LYNDON ELAM</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
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        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>ERIC JOHNSON</PersonNm>
        <TitleTxt>COUNSEL</TitleTxt>
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        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>161306</TotalReportableCompFromOrgAmt>
      <TotalOtherCompensationAmt>15576</TotalOtherCompensationAmt>
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      <TotalCompGreaterThan150KInd>true</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <ProgramServiceRevenueGrp>
        <Desc>CONFERENCE INCOME</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>604724</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>604724</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MEMBERSHIP DUES</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>358063</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>358063</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>COMPLIANCE REVENUE</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>170990</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>170990</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SURVEY REPORT RESPONSE</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>11500</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>11500</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
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      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>1306</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1306</RelatedOrExemptFuncIncomeAmt>
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      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1146583</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1146583</RelatedOrExemptFuncIncomeAmt>
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      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>161306</TotalAmt>
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        <TotalAmt>143651</TotalAmt>
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      <PensionPlanContributionsGrp>
        <TotalAmt>6864</TotalAmt>
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      <OtherEmployeeBenefitsGrp>
        <TotalAmt>10737</TotalAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>24004</TotalAmt>
      </PayrollTaxesGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>11108</TotalAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>7800</TotalAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>70060</TotalAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>12646</TotalAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>9966</TotalAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>38826</TotalAmt>
      </InformationTechnologyGrp>
      <TravelGrp>
        <TotalAmt>33969</TotalAmt>
      </TravelGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>310335</TotalAmt>
      </ConferencesMeetingsGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>2009</TotalAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>3418</TotalAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>COMPLIANCE EXPENSES</Desc>
        <TotalAmt>35704</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MERCHANT FEES</Desc>
        <TotalAmt>22532</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>SURVEY REPORT</Desc>
        <TotalAmt>18500</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>PAYROLL PROCESSING</Desc>
        <TotalAmt>2358</TotalAmt>
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      <TotalFunctionalExpensesGrp>
        <TotalAmt>925793</TotalAmt>
        <ProgramServicesAmt>0</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
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      <CashNonInterestBearingGrp>
        <BOYAmt>68997</BOYAmt>
        <EOYAmt>159402</EOYAmt>
      </CashNonInterestBearingGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>100595</BOYAmt>
        <EOYAmt>149450</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>2038</BOYAmt>
        <EOYAmt>32253</EOYAmt>
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      <LandBldgEquipCostOrOtherBssAmt>10617</LandBldgEquipCostOrOtherBssAmt>
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      <LandBldgEquipBasisNetGrp>
        <BOYAmt>1904</BOYAmt>
        <EOYAmt>1905</EOYAmt>
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      <TotalAssetsGrp>
        <BOYAmt>173534</BOYAmt>
        <EOYAmt>343010</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>13454</BOYAmt>
        <EOYAmt>14453</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <BOYAmt>167938</BOYAmt>
        <EOYAmt>115625</EOYAmt>
      </DeferredRevenueGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>181392</BOYAmt>
        <EOYAmt>130078</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>-7858</BOYAmt>
        <EOYAmt>212932</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>-7858</BOYAmt>
        <EOYAmt>212932</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>173534</BOYAmt>
        <EOYAmt>343010</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>220790</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
    </IRS990>
    <IRS990ScheduleD documentId="RetDoc3">
      <OtherLandBuildingsGrp>
        <OtherCostOrOtherBasisAmt>10617</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>8712</DepreciationAmt>
        <BookValueAmt>1905</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>1905</TotalBookValueLandBuildingsAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="RetDoc4">
      <SeverancePaymentInd>false</SeverancePaymentInd>
      <SupplementalNonqualRtrPlanInd>false</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>JENNIFER MARTIN</PersonNm>
        <TitleTxt>EXECUTIVE DIRECTOR</TitleTxt>
        <BaseCompensationFilingOrgAmt>138575</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>22731</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>4839</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>10737</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>176882</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="RetDoc5">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>ENCOURAGEMENT, PROMOTION, AND FACILITATION OF THE CONSUMER SECURED CREDIT BUSINESS AND IMPROVEMENT OF ITS IMAGE BY DEVELOPING A CODE OF ETHICS FOR THE CONSUMER SECURED CREDIT BUSINESS, FOSTERING ETHICAL BUSINESS PRACTICES, DRAFTING MODEL LEGISLATION FOR SUBMISSION TO STATE LEGISLATIVE BODIES, ESTABLISHING FINANCIAL REPORTING STANDARDS FOR THE INDUSTRY, AND EDUCATING THE EMPLOYEES OF ITS MEMBER COMPANIES AND DEALERSHIPS IN FAIR BUSINESS AND FINANCIAL PRACTICES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION HAS 2 CLASSES OF MEMBERS: FINANCING SOURCE AND ASSOCIATE. FINANCING SOURCE MEMBERS ARE LENDERS OR LESSORS THAT ACTIVELY ENGAGE IN PERSONAL PROPERTYSECURED LENDING AND LEASING TO INDIVIDUALS WHO ARE DEEMED TO BE RELATIVELY HIGH CREDIT RISKS. ASSOCIATE MEMBERS ARE ANY OTHER ENTITY OR INDIVIUAL ELIGIBLE FOR ELECTION THAT THE BOARD DETERMINES HAS A DEMONSTRATED INTEREST IN FURTHERING THE GOALS AND PURPOSES OF THE ORGANIZATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL MEMBERS PARTICIPATE IN THE ELECTION OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7B</FormAndLineReferenceDesc>
        <ExplanationTxt>BYLAWS REVISIONS ARE SUBJECT TO APPROVAL BY THE FULL MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE DIRECTOR AND/OR THE PRESIDENT OF THE BOARD REVIEWS THE RETURN PRIOR TO FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>OFFICERS AND DIRECTORS HAVE A DUTY TO DISCLOSE ANY ACTUAL OR POSSIBLE CONFLICT OF INTEREST. AFTER DISCLOSURE, THE GOVERNING BOARD WILL DISCUSS AND VOTE UPON THE DETERMINATION OF A CONFLICT OF INTEREST. IF A CONFLICT IS DETERMINED, THE BOARD WILL ADDRESS THE CONFLICT AND TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION. ALL PROCEEDINGS WILL BE RECORDED IN THE MINUTES OF THE GOVERNING BOARD. PERIODIC REVIEWS WILL BE CONDUCTED TO ENSURE COMPLIANCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE SALARY OF THE EXECUTIVE DIRECTOR IS NEGOTIATED AND AGREED TO BY THE EXECUTIVE DIRECTOR AND TEH ASSOCIATION'S EXECUTIVE COMMITTEE FOLLOWING AN ANNUAL PERFORMANCE REVIEW. THE EXECUTIVE DIRECTOR IS ENTITLED TO A PROFIT PARTICIPATION FROM THE ANNUAL CONFERENCE EQUAL TO 1/3 OF THE NET PROFITS FROM THE CONFERENCE PAYABLE WITHIN 90 DAYS FOLLOWING THE CONFERENCE PLUS A FEE OF 15,000 PAYABLE PRIOR TO THE ANNUAL CONFERENCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC BY PROVIDING COPIES ON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>