Federation of American Consumers and Travelers

The Federation of American Consumers and Travelers, commonly known as FACT, is a nonprofit consumer and membership organization based in Edwardsville, Illinois. It was established in 1984 under the not-for-profit corporation laws of the District of Columbia. The organization presents membership as a package of practical consumer and household benefits rather than as a conventional commercial product brand. FACT membership has included identity-theft and cybersecurity assistance, online fitness and wellness classes, accidental-death coverage, scholarships, community grants, classroom grants, small-business assistance, and travel discounts. The mix of services places the organization at the intersection of consumer advocacy, affinity benefits, insurance-linked membership programs, travel savings, and community support. Its offerings are designed for individual members while also extending support to educational institutions, community initiatives, and small-business owners. The organization has offered two stated membership payment options: a monthly plan costing $10 and an annual plan costing $100. These fees support access to the benefits and services associated with membership. The available reference material does not establish whether every listed benefit is available to every member at all times, nor does it provide a complete historical schedule of prices or program changes. FACT has a governing board of directors consisting of four members. Regular members elect the directors annually. Four officers and a managing director report directly to the board; these positions are described as volunteer roles. Rather than maintaining a large in-house administrative structure, FACT outsources its day-to-day administration, management, and marketing functions to specialized companies. This operating model allows the organization to retain a membership-facing identity while relying on external providers for routine execution. The organization has also had a connection with health-insurance distribution. Membership in FACT was required for the purchase of certain health-insurance products offered by Golden Rule Insurance Company. This relationship illustrates how FACT membership could function as an eligibility or affinity mechanism connected with third-party financial and insurance services. The available sources do not provide sufficient information to determine the duration, scope, or current status of that arrangement. FACT is therefore best understood as a U.S.-focused nonprofit membership and consumer-benefits organization, not as a manufacturer or conventional retail brand. Its public identity is built around bundled services, discounts, coverage-related benefits, educational support, and community assistance. Information available in the supplied references is limited, so detailed data about its founders, current officers, revenue, membership totals, program performance, and present corporate relationships remain unavailable.

FACT was formed in 1984 under the not-for-profit corporation laws of the District of Columbia. Although headquartered in Edwardsville, Illinois, its legal formation took place under District of Columbia nonprofit-corporation rules. The organization developed as a consumer and membership group whose value proposition centered on access to a broad package of practical benefits. Over time, the FACT membership offering has encompassed services and programs in several areas. These have included identity-theft and cybersecurity support, online fitness and wellness classes, accidental-death coverage, travel discounts, scholarships, community grants, classroom grants, and assistance for small-business owners. This breadth distinguishes FACT from a narrowly focused consumer-advocacy association: its membership model combines protection-oriented services with lifestyle, educational, travel, and community benefits. FACT has operated with a member-governed structure. Its governing board has four members, with regular members electing the directors annually. Four officers and a managing director report directly to the board, and these roles are described as volunteer positions. Administrative, management, and marketing work is outsourced to specialist companies rather than performed entirely by an internal staff. The arrangement makes external service providers an important part of the organization’s operating model, while formal governance remains with the board and membership. The organization has offered paid membership through two stated payment preferences: $10 per month or $100 for one year. Membership has also been connected to certain third-party insurance products. In particular, membership in FACT was required to purchase some health-insurance products from Golden Rule Insurance Company. The available material does not establish whether this insurance-related arrangement continues, how broadly it applied, or whether the terms changed over time. Publicly available information in the supplied references provides only a limited account of subsequent organizational developments. It does not identify the founder, current officers, membership totals, revenue, detailed annual milestones, or a complete chronology of product and program launches. FACT’s documented identity remains that of a U.S. nonprofit consumer group offering a paid membership with bundled benefits and community-oriented programs.

• 1984

  Organization formed

  [1]Federation of American Consumers and Travelersen.wikipedia.org

  FACT was established under the not-for-profit corporation laws of the District of Columbia.

A nonprofit membership platform bundling consumer-protection assistance, lifestyle benefits, insurance-related access, travel savings, and community support.

• Consumer membership program

  FACT membership

  The organization’s core offering is a paid membership program. Stated payment preferences are $10 per month or $100 for a year. Membership provides access to a package of consumer, lifestyle, travel, coverage-related, educational, and community benefits, although the supplied sources do not specify eligibility rules for every individual benefit.

• Consumer protection service

  Identity-theft and cybersecurity assistance

  FACT membership includes identity-theft and cybersecurity-related assistance. The available material identifies this as a membership benefit but does not describe the provider, precise protection scope, reimbursement terms, monitoring features, or claims process.

• Wellness benefit

  Online fitness and wellness classes

  Members have access to online fitness and wellness classes. These classes broaden the membership beyond consumer protection and travel savings, but the supplied sources do not identify the curriculum, instructors, platform, or availability schedule.

• Insurance-related membership benefit

  Accidental Death Coverage

  Accidental-death coverage is listed among FACT membership benefits. The available references do not state the underwriter, benefit limit, exclusions, enrollment procedure, or whether coverage is automatically included or subject to additional conditions.

• Educational and community support

  Scholarships and grants

  FACT has provided scholarships as well as grants for communities and classrooms. These programs extend the organization’s role into educational and civic support. Specific award criteria, recipients, geographic scope, and funding totals are not identified in the supplied material.

• Travel membership benefit

  Travel discounts

  Travel discounts are part of the membership package and align with FACT’s name and consumer-benefits positioning. The references do not specify participating travel providers, destinations, discount levels, booking mechanisms, or current availability.

• Business support service

  Small-business assistance

  FACT membership has included assistance for small-business owners. The source material does not explain whether this consists of advisory services, discounts, referrals, educational resources, or another form of support.

1. 1Federation of American Consumers and Travelersen.wikipedia.org
2. 2Federation of American Consumers and Travelers official websiteusafact.org