Fair Lending Notice
Housing Financial Discrimination Act of 1977

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

  1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice: or
  2. 2. Race, color, religion, sex, marital status, national origin or ancestry.

It is illegal to consider the racial, ethic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether ornot such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase,construction, rehabilitation, or refinancing of one-to-four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or the licensing agency in your State.

Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits discrimination against credit applicants on the basis of sex, marital status, race, color, religion, national origin, age (provided the applicant has the capacity to contract), whether all or part of the applicant’s income is derived from any public assistance program, or if the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency which administers compliance with this law concerning this lender is the:

Federal Trade Commission
55 West Monroe St. Suite 1825
Chicago, IL 60603

The state agency which administers compliance with Smart Mortgage Centers can be contacted at:

Illinois Department of Financial and Professional Regulation (IDFPR)
100 West Randolph 9th floor
Chicago, IL 60601
(312) 814-4500


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN: To help us prevent fraud and to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.


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