Although the OTS regulation does not mention oral advertising, in discussions with us they have indicated they want savings associations to follow the FDIC and Fed position.įirst published on BankersOnline. Equal Housing Lender Poster NCUA Insurance Decals Adhesive (English) NCUA Insurance Decals Adhesive (Spanish) NCUA Shared Branch Sign (Spanish).All written advertisements shall contain the Equal Housing Lender logo and legend.No savings association may directly or indirectly engage in any form of advertising that implies or suggests a policy of discrimination or exclusion.No advertisement shall contain any words, symbols, models, or forms of communication that express, imply, or suggest a discriminatory preference or policy of exclusion.Oral advertisements must state that the bank is an Equal Housing Lender.Written and visual advertisements must include the Equal Housing Lender logo and legend.Per NCUA Rules and Regulations 701.31 any federal credit union. No advertisement or other published statement shall indicate any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin. I have conducted a few marketing presentations lately and one presentation slide that always seems to get a few questions from state chartered credit unions is the Equal Housing Opportunity (EHO) versus Equal Housing Lender (EHL) logotype.The current state of fair housing advertising is as follows: Historically, HUD has mandated the use and size of the fair housing, or “outhouse,” logo. For example, the FDICs rule applies to the advertising of any loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling. The authority for fair housing requirements in credit advertising is the Fair Housing Act. §701. Q: When do I have to use the Equal Housing Lender logo in advertising A: Different regulators have their own specific rules. That said, it is not an OCC requirement but is a best practice.Īdvertising. The words EQUAL HOUSING OPPORTUNITY appear below the house as part of the logo. The graphic element of the logo consists of the outline of a house with an equal sign inside it. Housing related advertising should have the disclosure. Department of Housing and Urban Development (HUD) first created the Equal Housing logo in 1972. At find thousands of logos categorized into thousands of.
2022 Lending Compliance Triage Conference 47 Equal housing opportunity Logos ranked in order of popularity and relevancy.2022 Operations Compliance Triage Conference.
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