Are lenders required to have the Equal Housing Lender/logo on the folders you send to your customers with the early disclosures/loan package?

I've seen some with, and some without. I've seen the exceptions to Advertising FDIC membership, but nothing excluding the Equal Housing Lender/Logo.

Thanks.

My guess is that comes down to a case by case decision as to whether the folder could be considered an advertisement. Our folder, very plain, does not advertise anything. I would reassess, however, if we started to make it look like a brochure.

The EHL rules for advertising depend on the agency. The OCC as an example, doesn't require it. But it is encouraged.

I would ask the purpose of the folder. If it is delivering disclosures for a requested loan, it is less of an advertisement and more of a response to specific terms. If it is sent cold, such as "see what you qualify for" then it is more of an ad, IMHO.