EQUAL HOUSING LENDER

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

It is illegal to: Discourage a loan inquiry or refuse to accept a written loan application;

Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of a loan; or

Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling on the basis of race, color, national origin, religion, sex, marital status or age; or because a person receives income from a public assistance program, or has in good faith exercised any right under the consumer credit protection act.

If you believe you have been discriminated against, you may: Speak with the management of this institution;

Complain to the Office of Community Investment, Federal Home Loan Bank Board, Washington, D.C. 20552, or the Assistant Secretary for Fair Housing and Equal Opportunity, Department of Housing and Urban Development, Washington, D.C. 20010; or

Consider filing a civil suit under Federal laws.

[37 FR 8436, Apr. 27, 1972, as amended at 39 FR 43619, Dec. 17, 1974; 43 FR 22335, May 25, 1978]

§ 528.6 Monitoring information.

(a) Information to be requested. (1) Each member institution which receives an in-person or written application from a natural person for a loan related to a dwelling shall request, but not require, either on the application form or a form referring to the application, the following information regarding the applicant and joint applicant (if any):

(i) Race/national origin, using the categories American Indian or Alaskan Native; Asian or Pacific Islander;

Black; White; Hispanic; Other (specify);

(ii) Sex;

(iii) Marital status, using the categories married, unmarried, and separated; and

(iv) Age.

(b) If the applicant(s) choose not to provide the information or any part of it, that fact shall be noted on the monitoring form, and the member institution shall, to the extent possible, on the bases of sight and/or surname, designate race and sex of each loan applicant and joint applicant.

(c) Disclosure notice. Any form used to collect monitoring information required by paragraph (a) of this section shall contain a written notice that such information is requested by the Federal government to monitor compliance with Federal statutes which prohibit member institutions from discriminating on those bases against applicants for a loan or other service, and that the member institution is required to note race and sex, on the basis of sight and/or surname, if the applicant(s) choose not to do so.

(d) Loan application registers. (1) General. For examination purposes, each member institution shall maintain, at each of its decision centers (defined in § 528.1 of this part), separate, current, readily accessible loan application registers for each of the following loan types made: one-to-fourfamily dwelling loans, mobile home loans, and home improvement and/or equipping loans.

(2) Data required on all registers. Information recorded on applicable registers shall be entered in accordance with instructions issued by the Board, and at a minimum include, for all registers, the following data:

(i) Loan identification. Loan purpose, application number, date of application (month, day, and year), and loan number;

(ii) Loan disposition. Disposition and disposition date (month, day, and year);

(iii) Property location. Standard Metropolitan Statistical Area, census tract, and zip code;

(iv) Area data. Community Reinvestment Act Delineated Community, Low Income Census Tract, Moderate

Income Census Tract, and Substantially Minority Census Tract;

(v) Applicant(s) data. Race, sex, marital status and age;

(vi) Property data. Property type, and year built;

(vii) Loan terms. Loan amount, maturity term (months), and type of financing.

(3) Additional data for separate registers. In addition to data required by paragraph (b) of this section, the register for each type of loan shall contain the following data: (i) 1-4 Family loans:

(A) Property data. Purchase price, and appraised value;

(B) Loan terms. Loan to value ratio. (ii) Mobile home loans.

(A) Property data. Buyer's total costs, and valuation;

(B) Loan terms. Calculation method. (iii) Home improvement and equipping loans.

(A) Loan terms. Calculation method. (e) Reporting. Each member institution shall periodically submit aggregate data from loan application registers on forms provided by the Board, and other monitoring data in such manner as the Board may prescribe.