Legal Disclosures

🏠 Equal Housing Opportunity

National HELOC is committed to fair lending practices and equal housing opportunity. We do not discriminate based on race, color, religion, national origin, sex, handicap, familial status, or any other protected class under federal, state, or local law.

💳 Fair Credit Reporting Act (FCRA)

In connection with your application, we may obtain information about you from a consumer reporting agency. You have rights under the Fair Credit Reporting Act including the right to know what is in your file and to dispute inaccurate information.

• You have the right to obtain a copy of your credit report
• You may dispute inaccurate or incomplete information
• Consumer reporting agencies must correct or delete inaccurate information
• Access to your file is limited to those with a valid need

📊 Truth in Lending Act (TILA)

We are required to provide specific disclosures about loan terms and costs. You will receive detailed disclosures including:

• Annual Percentage Rate (APR)
• Finance charge
• Amount financed
• Total of payments
• Payment schedule
• Right of rescission (where applicable)

🔒 Privacy and Security

We protect your personal and financial information in accordance with the Gramm-Leach-Bliley Act and other applicable privacy laws. Our privacy practices are detailed in our Privacy Policy.

• We do not sell your personal information
• Information sharing is limited to business purposes
• You have rights regarding your personal information
• We maintain physical and electronic safeguards