Please provide the item number, language and quantity requested. What is the correct address for the occ to be displayed on equal housing lender signs. That said, the answer really depends on your regulator. Occ regulated institutions are not required to comply with either of these advertising requirements. You must agree to the following conditions before you can sign in to your city national online account. Shop from blocks equal housing lender signs, perfect for wall mounting. The occ examines the condition of the banks it supervises and their compliance with laws and regulations. The federal deposit insurance corporation fdic is an independent agency created by the u. Equal housing lender we do business in accordance with federal fair lending laws. Any lender not described above should refer to its. The regulatory agencies have separately interpreted the fair housing act and come up with some differences. The campaign ads rally consumers to look for the r for reassurance, resources, and reliable guidance on their path to property ownership. The best practice is using the unmodified ehl logo, unmodified eho logo, the words equal housing lender, andor the words equal opportunity lender in advertisements related to dwellings.
Fdic law, regulations, related acts rules and regulations. Whether social media campaigns can be used for customer relationship analysis. The regulations set forth in this part contain the procedures established by the secretary of housing and urban development with respect to the display of a fair housing poster by persons subject to sections 804 through 806 of the fair housing act, 42 u. The current state of fair housing advertising is as follows. The current status of the logo is obsolete, which means the logo is not in use by the company anymore. Using equal opportunity lender statementlogo my marketing.
We have included the equal housing lender logo on the flyer, but are. Equal housing lender federal reserve sort by price lowhigh price highlow title az title za item code az item code za popularity top rated. Download free equal housing lender vector logo and icons in ai, eps, cdr, svg, png formats. Download the vector logo of the equal housing opportunity brand designed by in encapsulated postscript eps format. Equal housing lender brands of the world download vector. To order, please call tollfree, 800 7677468, or fax 202 70823. Different regulators have their own specific rules.
Department of housing and urban development hud headquarters publications distribution center. Download free equal housing opportunity vector logo and icons in ai, eps, cdr, svg, png formats. Community reinvestment act notices, fair housing act. This regulation section 615002a federal reserve, part 338. The fdic encourages all insured depository institutions to acquire and post the new official sign without delay to increase depositor awareness of the. There is currently no content classified with this term. This booklet applies to the occ s supervision of national banks and federal savings associations. For example, the fdics rule applies to the advertising of any loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling. Download pdf download equal housing lender cover image. Bank receives outstanding community reinvestment act. Ehl when do i have to use the equal housing lender logo.
The signs come as decals that can be affixed to hard surfaces and plastic counter signs. Either equal housing lender or equal housing opportunity is acceptable. Download equal housing logo pdf free fair housing blog. Equal housing lender download vector logos and logotypes. Social media guidance and compliance update for community.
Print versions of some items can be ordered through the u. Are you in compliance with regulation 2000, section 338 regarding fair housing which states. Th e example federal credit union is an equal housing lender. Equal housing lender we do business in accordance with federal fair lending laws under the federal fair housing act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status having children under the age of 18, to. You write that an advertisement placed by did not display the fair housing slogan and logo. Occ customer service representatives assist national bank customers with questions and complaints, and the agency provides advisories and public service. Each bank engaged in extending loans for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or any loan secured by a dwelling shall conspicuously display either the equal housing lender poster or the equal housing opportunity poster prescribed by the united states. Equal housing lender logo, vector logo of equal housing. Logo eps is the worlds largest library of brand logos in vector format available to download for free. Size of ad and required size of logo 12 page or larger 2x2 logo, 18 page up to 12 page 1x1 logo, 4 column inches to 18 page 12x12 logo, less than 4 column inches no logo used. Download the vector logo of the equal housing lender brand designed by in encapsulated postscript eps format the current status of the logo is active which means the logo is currently in use downloading this. Such banks are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap, or familial sta. For downloadable files, scroll down to click to show downloadable files and select the file s from the menu.
Assistant secretary for fair housing and equal opportunity department of housing and urban development washington, dc 20410 for processing under the federal fair housing act. Advertising compliance basics for financial institutions. Congress to maintain stability and public confidence in the nations financial system by insuring deposits, examining and supervising financial institutions for safety and soundness and consumer protection, and managing receiverships. Fdic law, regulations, related acts advisory opinions. Nars latest effort to protect housing rights, looking back at 2019, and a new mentorship program for realtors serving their communities. Savings associations must comply with all regulations promulgated by the department of housing and urban development to implement the fair housing act, found at 24 cfr parts 100 through 125, except that they shall use the equal housing lender logo and poster prescribed by occ regulations at 12 cfr 128. Occ bank examiners evaluate compliance with consumer laws and regulations, and the. There is no requirement for the equal housing lender logo type and legend for occ regulated banks.
May 11, 2017 if you do not underwrite govt loans, make sure you only use the equal housing opportunity logo. Fdic official teller signage is provided to financial institutions whose deposits are insured by the fdic. Our records show that is a statechartered nonmember bank insured by the fdic and therefore subject to oversight by the state of and the fdic rather than the occ. D deny a loan for the purpose of purchasing, constructing, improving, repairing of.
The equal housing lender logo is almost ubiquitous in financial institution. Department of housing and urban development hud regulations require that all persons subject to section 805 of the fha shall post and maintain a fair housing poster at all their places of business which participate in the covered activities. Status message for downloadable files, scroll down to click to show downloadable files and select the files from the menu. Fair lending guide national credit union administration. This subpart a enforces section 805 of title viii of the civil rights act of 1968, 42 u. If you register as a new user, you will receive a confirmation email that requires you to click the link to confirm your email address before being able to login to complete your order. The equal housing lender logo, on the other hand, is applicable to loans for purchasing, constructing, improving or maintaining a dwelling. Bank announced today that it has received the highest rating, outstanding, for its recent community reinvestment act cra examination from the office of the comptroller of the currency occ. This booklet focuses on compliance with the fair housing act, equal credit opportunity act, and regulation b the consumer protection regulation that implements the equal credit opportunity act. Farm credit administration office of congressional and public affairs 1501 farm credit drive mclean, va 221025090 7038834056, 7038834444 tdd. The equal credit opportunity act ecoa, implemented by regulation b 12 cfr 1002, promotes availability of credit to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, age provided the applicant has.
Any lender not described above should refer to its states nondiscriminatory advertising requirements. Search for other related vectors at containing more. What tactics are prohibited, such as lotteries, contests, raffles. B, polished acrylic signs are 18 inch thick with screen printed copy.
Back in the old days of compliance meaning more than 10 years ago, hud used to mandate that the logo be of a certain size relative to the overall size of the ad, but that was eliminated. State savings associations, must comply with all regulations promulgated by the department of housing and urban development to implement the fair housing act, found at 24 cfr part 100 et seq. The current status of the logo is active, which means the logo is currently in use. I once read something that stated the equal housing lender logo ehl should be displayed anywhere a home loan application is received. Department of housing and urban development 451 7th street s. Occ bank examiners evaluate compliance with consumer laws and regulations, and the agency takes enforcement actions when necessary. If you do not underwrite govt loans, make sure you only use the equal housing opportunity logo.
Displaying equal housing lender logo bankers online. To download a copy using internet explorer, right click on the link. Although it is beyond the scope of this guide, section 701. The terms equal housing lender and equal opportunity lender are synonymous and refer to all banks insured by the federal deposit insurance corporation in the united states. Assistant secretary for fair housing and equal opportunity department of housing and urban development washington, dc 20410. Ensuring fair access and equal treatment to national bank customers is a fundamental part of the occ s mission. It enables you to quickly find the logo vector files you need by browsing or search through the entire collection of more than 200,000 vector logos. Lending, investment and service tests also given outstanding ratings. Save the file to the directory and folder of your choice. No advertisement or other published statement shall indicate any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin. There is often confusion about the proper use of the statement or logo for equal opportunity lender.
The occ s chartering and licensing activities ensure that the corporate structures of banks are safe and sound. Advertisements for real estaterelated loans that are broadcast on the radio must include the following statement. For example, the fdics rule applies to the advertising of any loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling for written and visual advertisements, you can utilize a copy of the logotype with the equal housing lender. Download the vector logo of the equal housing lender brand designed by in encapsulated postscript eps format. When do i have to use the equal housing lender logo in advertising. The statement equal housing lender needs to be stated in the same radio advertisements. The equal housing lender logo should be used in any written or visual advertisement of any loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or any loan secured by a dwelling, and for verbal advertisements radio, a financial institution must state that it is an. Download transparent equal housing logo png for free on pngkey com all equal housing logo images with no background can be in persnal use and. Usb today announced that the office of the comptroller of the currency occ has terminated its 2015 consent order related to the companys antimoney laundering aml and bank secrecy act bsa program and controls. The examination period was january 1, 2012 through december 31, 2015. Written and visual advertisements must include the equal housing lender logo and. Ehl when do i have to use the equal housing lender logo in.
1393 72 401 1176 1481 893 476 4 549 1155 1002 1138 564 1010 880 573 414 360 480 1129 1200 221 585 1123 1360 1 1133 1322 1152 935 714 1177