The Housing Financial Discrimination
of 1977 Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the
1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing
accommodation, unless the financial institution can demonstrate in the particular case that such
consideration is required to avoid an unsafe and unsound business practice; or
2. Race, color, religion, sex, marital status, domestic partnership, national origin or ancestry.
It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or
geographic area surrounding a housing accommodation or whether or not such composition is undergoing change,
or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or
under what terms and conditions, to provide financial assistance.
These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation
or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home
improvement of any one- to four-unit family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of
this financial institution or the Department of Real Estate at one of the following locations: