Equal Credit Opportunity Act (ECOA)
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of:
- Race or color
- Religion
- National origin
- Sex
- Marital status
- Age (provided the applicant has the capacity to enter into a binding contract)
- Receipt of income from any public assistance program
- Good faith exercise of rights under the Consumer Credit Protection Act
The federal agency that administers compliance with this law concerning Kyber Mortgage Corporation dba Hypersmart Home Loans is the:
Consumer Financial Protection Bureau (CFPB)
1700 G Street NW, Washington, DC 20552
www.consumerfinance.gov
Phone: 1-855-411-2372
Fair Housing Act — Lending Provisions
The Fair Housing Act also makes it illegal to discriminate in residential real estate-related transactions, including mortgage lending. Protected classes include:
- Race
- Color
- National origin
- Religion
- Sex (including gender identity and sexual orientation)
- Disability
- Familial status
Our Commitment
Kay Huffman, in her capacity as a Mortgage Loan Originator with Kyber Mortgage Corporation dba Hypersmart Home Loans, is committed to evaluating every loan application on the basis of creditworthiness and eligibility for the requested loan program. Personal characteristics protected by ECOA or the Fair Housing Act are never factors in loan decisions.
File a Complaint
If you believe you have been discriminated against in a mortgage transaction, you can file a complaint with:
- HUD: www.hud.gov/fairhousing · 1-800-669-9777
- CFPB: www.consumerfinance.gov/complaint
- Texas SML: www.sml.texas.gov · 1-877-276-5550