Dodd-Frank Wall Street Reform and Consumer Protection Act

Commitment to Fair Lending & Housing

Onyx is dedicated to conducting business in a fair and ethical manner. We adhere to all applicable federal and state laws and regulations, including but not limited to:

• Equal Credit Opportunity Act (ECOA):

  We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), receipt of income from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

• Fair Housing Act:

  We strictly prohibit discrimination in all housing-related transactions based on race, color, religion, national origin, sex, familial status, or disability.

• Dodd-Frank Wall Street Reform and Consumer Protection Act:

  We comply with the various provisions of the Dodd-Frank Act that impact mortgage lending and consumer protection, including those related to ability-to-repay, qualified mortgages, loan originator compensation, and mortgage servicing.

• Other Applicable Laws:

  We comply with all other federal and state laws and regulations related to mortgage lending, including the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the Home Mortgage Disclosure Act (HMDA).

Our Practices

• Fair Treatment:

  We strive to treat all applicants and borrowers fairly and consistently throughout the loan origination process.

• Objective Criteria:

  We evaluate loan applications based on objective criteria related to creditworthiness, such as income, assets, and debt obligations.

• Transparency:

  We provide clear and accurate information about our loan products, terms, and conditions.

• Complaint Resolution:

  We have a robust process in place for addressing any complaints or concerns regarding potential discrimination or unfair lending practices.

Your Rights

If you believe you have been discriminated against in any aspect of a housing-related transaction or lending process, you have the right to file a complaint with:

The Consumer Financial Protection Bureau (CFPB)

• Online:

  https://www.consumerfinance.gov/complaint/

• Phone:

  (855) 411-CFPB (2372)

• Mail:

  Consumer Financial Protection Bureau, P.O. Box 4503, Iowa City, Iowa 52244

The U.S. Department of Housing and Urban Development (HUD)

• Online:

  https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint

• Phone:

  (800) 669-9777

We Value Your Trust

At Onyx, we value your trust and are committed to providing a fair and equitable lending experience for all.

Disclaimer

Onyx Group Mortgage is the Luxury Division of Onyx, NMLS #237507 located at 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707. Onyx does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: www.nmlsconsumeraccess.org.