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Do we have to include the equal housing opportunity logo on all advertisements or just those that relate to mortgages and other types of loans? – IBA Compliance Connection

IBA Compliance Connection

Your go to source for compliance!

Do we have to include the equal housing opportunity logo on all advertisements or just those that relate to mortgages and other types of loans?

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An “Equal Housing Lender” or “Equal Opportunity Lender” logo is required only on advertisements promoting loans for purchasing, constructing, improving, repairing, or maintaining a dwelling or loans secured by a dwelling. If an advertisement does not promote or mention mortgage loans, then this disclaimer is not required.

For resources related to our guidance, please see:

  • FDIC Fair Housing Act Regulations, 12 CFR 338.3(a) (“Any bank which directly or through third parties engages in any form of advertising of any loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or any loan secured by a dwelling shall prominently indicate in such advertisement, in a manner appropriate to the advertising medium and format utilized, that the bank makes such loans without regard to race, color, religion, national origin, sex, handicap, or familial status.”)