FAIR HOUSING

   The Office of Fair Housing and Equal Opportunity (FHEO) enforces the Fair Housing Act and other civil rights authorities that prohibit discrimination in the sale, rental, or financing of dwellings because of race, color, national origin, religion, sex, familial status (families with children under the age of 18) or handicap (disability).

 THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977

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 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 you wish to file a complaint, contact the management of this financial institution or Department of Real Estate at one of the following locations:

           2550 Mariposa Mall, Suite 3070                           2201 Broadway
           Fresno, CA 93721-2273                                         P.O. Box 187000 (mailing address)
                                                                                             Sacramento, CA 95818-7000

           320 W. 4^th Street, Suite 350
           Los Angeles, CA 90013-1105                               1350 Front Street, Suite 3064

                                                                                             San Diego, CA 92101-3687

          1515 Clay Street, Suite 702
           Oakland, CA 94612-1462

EQUAL HOUSING LENDER

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, DISABILITY, OR FAMILY STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintain a dwelling, or deny any loan secured by a dwelling: or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A
COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410

UNDER THE EQUAL CREDIT OPPORTUNITY ACT

IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDITED TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
  
• Because income is from public assistance, or
  
• Because a right was exercised under the Consumer Credit Protection Act.