Lending Disclosure

HMDA Disclosure

When applicable for First Bristol Federal Credit Union, the HMDA data about our residential mortgage lending will be available online for review. The data show the geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.

The HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's website at www.consumerfinance.gov/hmda

For HMDA data years prior to 2017, please inquire at the Credit Union.

Equal Housing Lender Notice

We Do Business in Accordance With Federal Fair Lending Laws

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining 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 & Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act

and to:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428
For processing under NCUA regulations

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:

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

If you believe you have been discriminated against, you should send a complaint to:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428