Disclosures and Notices

Disclosures

• Truth-In-Savings Disclosure Savings-Checking
• Truth-In-Savings Disclosure-Business-Account
• Truth-In-Savings-Disclosure-Certificate-Accounts
• Credit Cards Disclosure
• Deposit Accounts Rates, Truth-in-Savings Disclosure and Fee Schedule
• eDocuments Disclosure
• Electronic Services Agreement (Consumer and Business)
• Fraud Text Alert Service Disclosure
• Funds Availability Policy
• Membership and Account Agreement
• Mobile Wallet Disclosure
• Overdraft Privilege Disclosure
• Verity Privacy Policy
• Visa Debit Card Disclosure
• Business Account Agreement & Disclosure
• Business Accounts Rates, Truth-in-Savings Disclosure and Fee Schedule
• Business Credit Card Disclosure
• Social Media Public Use Policy
• Children's Online Privacy Protection Act Disclosure
• Wire Transfer Agreement

Notices

• Identity Verification Notice

Federal Fair Lending Laws

Know Your Rights 

Federal law prohibits discrimination in mortgage lending. Verity Credit Union is committed to providing equal access to credit and complies with all applicable federal fair lending laws, including the Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA).
Under these laws, it is illegal to discriminate against an applicant based on a protected characteristic.

The Fair Housing Act prohibits discrimination in residential real estate-related transactions based on:

• Race
• Color
• National origin
• Religion
• Sex
• Familial status
• Disability

The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction based on:

• Race
• Color
• Religion
• National origin
• Sex
• Marital status
• Age (provided the applicant has the legal capacity to enter into a contract)
• Receipt of income from a public assistance program
• Good faith exercise of any right under the Consumer Credit Protection Act

Examples of Prohibited Lending Practices

Examples of prohibited discriminatory lending practices include:

• Refusing to make a mortgage loan.
• Refusing to provide information about mortgage loans.
• Imposing different loan terms or conditions, such as interest rates, points, or fees, based on a protected characteristic.
• Discriminating in the appraisal of a property.
• Refusing to purchase a loan or applying different terms or conditions when purchasing a loan because of a protected characteristic.
   

Filing a Complaint 

If you believe you have experienced discrimination in the mortgage lending process, you have the right to file a complaint. Depending on the circumstances, complaints may be submitted to one or more of the following agencies:

• U.S. Department of Housing and Urban Development (HUD) – Fair Housing complaints
• Consumer Financial Protection Bureau (CFPB) – Consumer complaints involving mortgage lending and other consumer financial products
• National Credit Union Administration (NCUA) – Complaints involving federally insured credit unions

These agencies investigate complaints and provide information about the complaint process at no cost to consumers.