09/06/2020
We don't make owner occupied mortgages, but do make business purpose loans for rental properties. Do we need to continue using the Equal Housing Lender logo in advertising?
07/26/2015
Our bank offers commercial mortgages as well as mixed use and multi-family lending. Do we need to include Equal Housing Lender and dog house on our advertising and marketing materials for any of these products?
03/05/2012
If a bank targets a high net worth geographical are for a marketing campaign, are they up against any regs? Can someone define "Greenlining" please?
03/28/2011
In order to comply with Fair Housing Lender requirements, is the lender required to include the Equal Housing Logo on the Adverse Action Notice form?
10/18/2010
We qualify loan applicants based on gross income. Our credit officer says that tax free income from SSI or VA Disability is the gross income and shouldn't be grossed up. I say the income is net and should be. Who's right? If we don't gross tax SSI up, are we discriminating?
10/27/2008
Is it necessary under fair housing to disclose assets/net worth? The question has been raised that we must input all customer asset information on HELOC applications to give an accurate net worth for fair housing. Any lender I have ever worked with has never done this.
08/18/2008
I am brand new to compliance at a small national bank that does not do HMDA reporting. Do we still have to collect the information (gray areas of the residential loan application) as required by 12 CFR 27?
11/19/2007
I work for a community bank and am fairly new to banking. I'm looking for an advertising "Bible." I've found some resources and thanks for everything you do, but haven't found anything that's all encompassing. Any help would be appreciated!
03/12/2007
This question is about placing an ad in the newspaper for commercial lending. I assume we don't need to have the FDIC logo in the advertisement, but do we need to state that we are an equal credit opportunity lender? Is there a requirement that says we must state that we do not discriminate on the basis of race, religion, etc.? We thought we would include it anyway, but we are having trouble finding where it specifically states that for commercial lending advertising.
03/05/2007
This question is about placing an ad in the newspaper for commercial lending. I assume we don't need to have the FDIC logo in the advertisement, but do we need to state that we are an equal credit opportunity lender? Is there a requirement that says we must state that we do not discriminate on the basis of race, religion, etc.? We thought we would include it anyway, but we are having trouble finding where it specifically states that for commercial lending advertising.
