WASHINGTON — 2nd Congressional District candidate Rob Lubin filed a legally required financial disclosure report last week showing little income, few investments and no bank accounts after missing deadlines to file the reports in the last two years.

Lubin, the founder and CEO of a four-year-old online fashion marketplace and the Democratic challenger to U.S. Rep. Andrew Garbarino (R-Bayport), submitted the five-page report to the House clerk’s office after repeated questions from Newsday.

Lubin said he chose not to file the reports to protect his family’s privacy, despite a 1978 law requiring candidates to file a disclosure within 30 days of filing to run for Congress and by May 15 after that. Lubin submitted his candidacy on May 23, 2023.

“My decision not to submit, you know, certain financial details only reflects my commitment to confidentiality around my family business, which in no way affects my campaign or the interests of voters,” Lubin said.

Lubin, whose campaign describes him as a small business owner and the son of an immigrant, is the son of Manhattan venture capitalist Daniel C. Lubin and Flaminia Lubin, a prominent Italian-born journalist, producer and documentary filmmaker.

Lubin’s father is managing partner and co-founder of Radius Ventures LLC, which invests in healthcare and life sciences companies; founder and CEO of EntryPoint Capital and chairman of Upsher Management Company, which manages his family’s money. He serves on many nonprofit and corporate boards, including the board of his son’s business.

The family fortune stems from a diaper rash cream created by Lubin’s grandfather and later acquired by Pfizer Inc., according to Bloomberg News.

Rob Lubin’s filing last week, which listed amounts in dollar ranges, showed income last year of no more than $18,250, and this year through September of no more than $59,150 — of which $50,000 was rent per who cashed it from an Upper East Side Manhattan apartment he owns.

The filing reported that he also has a $500,000 to $1 million mortgage on the Manhattan apartment and owes between $15,000 and $50,000 on each of two credit cards.

Lubin, 29, now rents an apartment in Lindenhurst.

In a separate filing of his fundraising and spending with the Federal Election Commission, Lubin also reported that he loaned $150,000 to his campaign as of late September 2023.

CPA Joseph Perry of Marcum LLP, a Manhattan accounting firm, said the numbers don’t add up. “As an accountant, based on the disclosures and the information in front of me, I have to ask: How can he afford to live, pay his rent and be able to loan $150,000 to his campaign?”

Lubin’s campaign said last week’s filing did not include the account that once included the $150,000 because the balance has since fallen below the $5,000 threshold for reporting it. The campaign said the money came from Lubin’s family’s financial support for him.

“The $150,000 is personal money that Rob lent to the campaign,” the campaign said, “and Rob followed all the required reporting procedures for it.”

Last week, before filing the disclosure after questions from Newsday, Lubin said: “We are aware of the financial disclosure form. We are working on it. There are some documents in the filing that we are just trying to find out and make my family comfortable. .”

A 1978 law requires federal candidates and lawmakers to file annual disclosures about their income, assets, liabilities, positions in organizations and agreements with outside entities to inform the public about their financial interests and deter potential conflicts of interest.

“It’s not unusual for new candidates to file sloppily or late, but it’s usually because they just don’t understand the rules or don’t understand the value of these types of personal financial disclosures,” said Craig Holman, ethics lobbyist for Public Citizen , a nonprofit consumer advocacy organization.

“And they usually go unpunished as long as they eventually file,” Holman said. “But if there is an element of deliberation, that makes it a more serious violation.”