Equal Housing Lender

Pacific Trust Bank is an Equal Housing Lender

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:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

In Mortgage Lending: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap (disability):

• Refuse to make a mortgage loan
• Refuse to provide information regarding loans
• Impose different terms or conditions on a loan, such as different interest rates, points, or fees
• Discriminate in appraising property
• Refuse to purchase a loan or
• Set different terms or conditions for purchasing a loan.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, FOR PROCESSING UNDER THE FEDERAL FIAR HOUSING ACT, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, D.C. 20410

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
• Because income is from public assistance, or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, AND YOU CANNOT RESOLVE YOUR ISSUE DIRECTLY WITH PACIFIC TRUST BANK, YOU SHOULD SEND A COMPLAINT TO:

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney St., Suite 3450
Houston, TX 77010

Or you may call the OCC's Customer Assistance Group at (800) 613-6743

Alternatively, you may use the OCC's online OCC Customer Complaint Form. The OCC advised that "Online Complaints" should NOT be emailed, faxed, or mailed in addition to the online submission.