Regulatory Disclosures

📋 TILA — Truth in Lending Act

The Truth in Lending Act (15 U.S.C. § 1601 et seq.) requires clear disclosure of credit terms to protect consumers. In compliance with TILA and Regulation Z:

• All interest rates, APRs, and loan terms advertised on this site are estimates only and for educational purposes
• No rate, term, or payment shown constitutes an offer or commitment to lend
• Actual rates depend on creditworthiness, loan amount, property type, LTV ratio, and market conditions
• You will receive a Loan Estimate within 3 business days of submitting a complete application
• A Closing Disclosure will be provided at least 3 business days before closing
• APR calculations include interest, points, and certain fees as required by Regulation Z

🏠 RESPA — Real Estate Settlement Procedures Act

In compliance with the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and Regulation X:

• No referral fees are paid or received for leads generated through this website
• Consumers are free to shop for and select their own settlement service providers
• An Affiliated Business Arrangement disclosure will be provided if applicable
• We do not require the purchase of title insurance or other settlement services from any specific provider
• A Good Faith Estimate / Loan Estimate of settlement charges will be provided as required
• Kickbacks, fee-splitting, and unearned fees are strictly prohibited

⚖️ ECOA — Equal Credit Opportunity Act

In compliance with the Equal Credit Opportunity Act (15 U.S.C. § 1691 et seq.) and Regulation B:

• We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of rights under the Consumer Credit Protection Act
• All applicants will be evaluated on the same criteria regardless of protected class
• If your application is denied, you will receive a written notice explaining the reasons within 30 days
• You have the right to know why your application was denied, and what specific information was used

🏡 Fair Housing Act

🔒 GLBA — Gramm-Leach-Bliley Act (Financial Privacy)

In compliance with the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and Regulation P:

• Collection: We collect nonpublic personal information (NPI) only as necessary to process your mortgage inquiry — including name, contact information, income, assets, credit history, and Social Security number (when you formally apply)
• Sharing: We do NOT sell or share your NPI with non-affiliated third parties for marketing purposes
• Permitted sharing: We may share NPI with service providers who assist in processing your loan (appraisers, title companies, credit bureaus) as permitted by law
• Safeguards: We maintain physical, electronic, and procedural safeguards to protect your NPI including encryption, access controls, and employee training
• Opt-out: You have the right to opt out of certain information sharing. Contact us at relocatehub@tailoredlending.com

📱 TCPA — Telephone Consumer Protection Act

In compliance with the Telephone Consumer Protection Act (47 U.S.C. § 227):

• By submitting our consultation form, you provide express written consent to be contacted by telephone, text message (SMS/MMS), and email regarding your inquiry
• Consent is not a condition of purchasing any goods or services
• Message frequency varies. Message and data rates may apply
• You may revoke consent at any time by replying STOP to any text, emailing us, or calling (915) 240-7286
• We do not use automated telephone dialing systems (ATDS) without your prior express consent

📊 HMDA — Home Mortgage Disclosure Act

In compliance with the Home Mortgage Disclosure Act (12 U.S.C. § 2801 et seq.) and Regulation C:

• We collect and report data on mortgage applications as required by federal law
• This data helps identify potential discriminatory lending patterns and community credit needs
• HMDA data is reported annually to the Consumer Financial Protection Bureau (CFPB)
• Our HMDA data is available for public inspection upon request

🔐 CCPA — California Consumer Privacy Act

If you are a California resident, you have additional rights under the CCPA (Cal. Civ. Code § 1798.100 et seq.):

• Right to Know: what personal information we collect and how it is used
• Right to Delete: request deletion of personal information
• Right to Opt-Out: of the sale of personal information (we do NOT sell data)
• Right to Non-Discrimination: for exercising your CCPA rights
• To exercise these rights, contact relocatehub@tailoredlending.com

🛡️ UDAAP — Unfair, Deceptive, or Abusive Acts or Practices

We are committed to compliance with the Dodd-Frank Wall Street Reform Act (12 U.S.C. § 5531) prohibition against unfair, deceptive, or abusive acts or practices:

• All marketing claims on this site are based on publicly available data and clearly sourced
• Savings estimates are approximations and are labeled as such
• We do not use misleading comparisons, hidden fees, or deceptive advertising
• Calculator results are estimates and are clearly disclosed as educational tools

📣 Advertising Disclosure

Some content on this website, including blog articles labeled "Advertorial" or "Featured," is marketing content designed to educate consumers about relocation and mortgage options. This content:

• Is clearly labeled as advertorial/featured content
• Contains hypothetical scenarios and estimated savings based on publicly available data
• Is not intended as personalized financial advice
• May include calls-to-action that connect you with licensed mortgage professionals
• Does not constitute an offer to lend or guarantee of any rate, term, or savings amount