Serving Everyone in Central New York

Equal Housing Policy

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:

  1. Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling.
  2. 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:

for processing under the Federal Fair Housing Act:

Assistant Secretary for Fair Housing & Equal Opportunity
Department of Housing and Urban Development
Washington, DC, 20410

for processing under Federal Reserve regulations:

Division of Consumer & Community Affairs
Federal Reserve Board
Washington, DC, 20551

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

  1. On the basis of race, color, national origin, religion, sex, marital status, or age
  2. Because income is from public assistance
  3. 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:

Division of Consumer & Community Affairs
Federal Reserve Board
Washington, DC, 20551

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