![]() Nor is any modification of the EHL, such as placing the words next to (rather than under) the house or using the words without the house. For farm credit institutions and savings associations (state and federal): Advertisements related to dwellings must include the EHL.The regulations fall into three categories: State Member Banks (FRB): Federal Reserve Board Order on Fair Housing Advertising and Poster Requirements of Ma(54 Fed.State Savings Associations (FDIC): 12 CFR 390.145.Non-Member State Banks (FDIC): 12 CFR 338.3.Federal Savings Associations (OCC): 12 CFR 128.4.Federal Credit Unions (NCUA): 12 CFR 701.31(d).The applicable regulations are listed below: Other types of institutions, such as farm credit institutions or mortgage companies, should be easily identifiable. The National Credit Union Association’s (NCUA) Credit Union Locator can help you determine if a credit union is a state or federal credit union. If you are unsure of your institution’s charter type, the FDIC’s Bank Find Tool can help you determine the charter class of a bank or savings association. For example, a large non-member state bank subject to CFPB supervision would look to the Federal Deposit Insurance Corporation’s (FDIC) rules. For large financial institutions subject to Consumer Financial Protection Bureau (CFPB) supervision, look to your prudential regulator’s requirements. For example, federal savings associations regulated by the Office of the Comptroller of the Currency (OCC) are subject to its requirements, but national banks regulated by the OCC are not subject to the OCC’s requirements. Please note, the institution’s regulator is not determinative. The specific requirements vary based on the institution’s charter type. If you do use the EHL in these advertisements, we recommend that it be clearly legible, including the equal sign and words. While the EHL is not required on any advertisement that does not promote any loan for purchasing, constructing, improving, repairing or maintaining a dwelling or any loan secured by a dwelling, nothing prohibits its use on such advertisements. The EHL (or EHO), including the equal sign and words, should be clearly legible when used. In some advertisements, HUD’s Equal Housing Opportunity logo (EHO) may be used. Use of the Equal Housing Lender logo (EHL) consisting of the house with an equal sign inside and the words “Equal Housing Lender” under the house will satisfy this requirement. But each regulator (most of them, at least) has their own version of the regulation. Generally, any advertisement that promotes any loan for purchasing, constructing, improving, repairing or maintaining a dwelling, or any loan secured by a dwelling, should prominently, and in a manner appropriate for the media and format used, state that the lender makes such loans without regard to race, color, religion, national origin, sex, handicap or familiar status. Do you need it? Can you use just the words? What about placing the words next to the house? This week, we’re going to take a closer look at the requirements applicable to your institution. The Equal Housing Lender logo is almost ubiquitous in financial institution advertising that we almost forget it’s there, but many institutions are not very clear on the requirements for its use. Temenos Learning Community Learn and share knowledge through our expert community and learning programs.Customer Success Stories Find out how our customers have made banking better globally by choosing Temenos.Ambassador Program Showcase your success and innovation with the Temenos Ambassador Program.Temenos CEO Navigator A strategic survey-based service to discuss the business and IT metrics and best practices enabled by your investment in technology. #Does not equal sign stata software#Market Insights Get the latest insights and thought leadership from the #1 banking software company.Webinars Learn more about industry trends and best practices through our webinars.Blog Read up on all the latest topics and trends in banking.Temenos Quantum – Multi-Experience Development Platform.Temenos Infinity – Digital Banking Platform. ![]()
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