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Home Mortgage
Disclosure Act (HMDA)
The HMDA data
about our residential mortgage lending are available
for review. The data show geographic distribution of
loans and applications; ethnicity, race, sex, and
income of applicants and borrowers; and information
about loan approvals and denials. Inquire at 3200
Park Center Dr., Suite 150, Costa Mesa, CA 92626
regarding the location where HMDA data may be
inspected. To receive a copy of the data, send a
written request to:
GMAC Bank
c/o Fair Lending Department
4 Walnut Grove Drive
Horsham, PA 19044
Equal Housing
Opportunity Lender
We conduct
business in accordance with the Federal Fair Housing
Law (Fair Housing Amendments Act of 1988). It is
illegal to discriminate against any person because
of race, color, religion, sex, handicap, familial
status, or national origin:
- In the
sale or rental of housing
- In
advertising the sale or rental of housing
- In the
financing of housing
- In the
provision of real estate brokerage service
- In the
appraisal of housing
- Blockbusting is also illegal
Anyone who
feels he or she has been discriminated against may
file a complaint of housing discrimination:
1-800-669-9777 (toll free), or 1-800-927-9275 (tdd),
U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal
Opportunity, Washington DC 20410.
The Housing
Financial Discrimination Act of 1977, Tennessee
Fair Lending Notice
It is illegal
to discriminate in the provision of or in the
availability of financial assistance because of the
consideration of:
- 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.
- Race,
color, religion, sex, marital status, 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, and 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:
Department of
Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105
Equal Credit
Opportunity Act Fair Lending Notice The Federal
Equal Credit Opportunity Act prohibits creditors
from discriminating against credit applicants on the
basis of race, color, religion, national origin,
sex, marital status, age (provided that the
applicant has the capacity to enter into a binding
contract); because all or part of the applicant's
income derives from any public assistance program;
or because the applicant has in good faith exercised
any right under the Consumer Credit Protection Act.
The federal agency that administers compliance with
this law concerning the creditor is:
Federal Trade
Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580
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