GNTCJ 0510
EQUAL CREDIT OPPORTUNITY ACT 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); or 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 this creditor is:
Department of Financial Protection & Innovation
2101 Arena Boulevard
Sacramento, CA 95834
866-275-2677
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it
considered as a basis for reporting.
8237 3rd St. Downey, CA 90241
562-862-8141 - fax 562-862-7782
www.downeyfcu.org
HOLDEN ACT
FAIR LENDING NOTICE
It is illegal to discriminate in the provision of or in the availability of financial assistance because of
the consideration of:
1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding
a housing accommodation, unless the financial institution can demonstrate that
consideration of these conditions in the particular case is required to avoid an unsafe and
unsound business practice; or
2.
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 BUSINESS OVERSIGHT
LASER FPDF FI16875 Rev 9-2018
Race, color, religion, sex, marital status, national origin or ancestry.
ATTN: Consumer Services
1515 K Street, Suite 200
Sacramento, CA 95814
(866) 275-2677
8237 3rd St. Downey, CA 90241
562-862-8141 - fax 562-862-7782
www.downeyfcu.org