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In compliance with state and federal regulations, the following disclosure and licensing information is available for you to review:
§ Equal Credit Opportunity Act Fair Lending Notice
§ Equal Housing Opportunity Lender
§ The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
§ Home Mortgage Disclosure Act
Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The federal agency that administers compliance with this law concerning the creditor is:
Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580
Equal Housing Opportunity Lender
EMP Network conducts business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
§ In the sale or rental of housing
§ In advertising the sale or rental of housing
§ In the financing of housing
§ In the provision of real estate brokerage service
§ In the appraisal of housing
§ Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd). U.S. Department of Housing and Urban Development Assistant Secretary for Housing and Equal Opportunity, Washington DC 20410.
The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:
§ 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
§ Race, color, religion, sex, marital status, national origin, or ancestry
It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such change, in appraising a housing accommodation or in determining whether or not, and 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 residences occupied by the owner and for the purpose of the home improvement of any 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:
Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105
Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending is available for review. This data shows geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials. Inquire at 5980 South Durango Drive, Las Vegas, NV 89113 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:
EMP Network
732 Smithtown Bypass, Suite A55
Smithtown, NY 11787
Privacy Policy
EMP Network wants you to be comfortable and confident when using our Web site. Respecting and protecting our customer’s privacy is vital to our business. It’s our way of sustaining your trust in our company, products, and other services. We maintain physical, electronic and procedural safeguards to protect customer information. Our employees are bound by a code of ethics that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.
This privacy statement applies to our online privacy policy. When you become a customer of EMP Network, we will provide you with our Privacy Policy Disclosure.
What Is Privacy?
Privacy is the confidentiality you expect when sharing personal information with EMP Network. We do not sell or share your personal information with marketers outside our company who may want to offer you their own products or services.
What is Security?
Security is ensuring no one can take the information you have shared in confidence with EMP Network. We keep your information secure and confidential.
Why Do We Need Your Personal Information?
When you fill out a loan application on our Web site, we ask for specific information that will help us evaluate your eligibility and the loan product that will be right for you. Examples other than your name and mailing address include your monthly income, mortgage balance, assets and debt.
Sharing Personal Information
In certain circumstances, we may outsource to other companies that work with us. We share only the customer information they need to do their job. We may supply personal information you provide to service providers, such as credit reporting agencies, who assist us in qualifying, processing, closing and servicing your loan. All of these companies are obligated to keep the information we provide to them confidential, and to use the information we share only to provide the services we ask them to perform for you and us.
Personal Information Security
There are some simple things you can do to protect your information on the Internet: Keep your account number, user name and password private, use a secure browser and keep your virus detection software current.
All data sent to EMP Network is protected with technology that enables encryption of you data. We use 128-Bit Domestic Grade Strong Encryption. 128-Bit Domestic Grade Strong Encryption is the most powerful encryption commercially available for internet products. (However, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available. United States and Canadian citizens can download free 128-bit browsers from Netscape or Microsoft.
EMP Network is constantly improving security standards and practices to protect your personal information. Access to your confidential information is restricted to only those employees who need it as part of their job.
Children’s Information
Because of the nature of our business, our Web site is not designed to appeal to children. We do not knowingly collect or retain any information from consumers under the age of 18.
Who Do I Contact If I have A Concern About My Personal Information?
EMP Network
732 Smithtown Bypass, Suite A55
Smithtown, NY 11787
Contact an EMP Network loan officer today via email at info@empnetwork.com or by calling toll free 1-888 792-2762
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