Our St. Louis Bank: An Equal Housing Lender

At Jefferson Bank in St. Louis, 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 to 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.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act

AND TO

Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990
For processing under FDIC Regulations

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 has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990

How St. Louis Banks Support Equal Housing Policy

Equal Housing Lender | Our St. Louis Bank Locations

St. Louis banks like Jefferson Bank & Trust comply with and support the Federal Equal Housing Policy by requiring that all bank employees and officers ensure that there is no bias based on race, color, national origin, religion, sex, handicap, or familial status.

Civil Rights legislation mandates that all banks and real estate professionals avoid either discrimination or the appearance of discrimination to impact lending decisions. The only basis that St. Louis banks use to decide whether or not to extend financing to someone is based on financial situation only – credit rating, assets, income, and other similar information.

Jefferson Bank, similar to many other St. Louis banks, is also an equal opportunity employer. We hire loan officers and bank workers from all backgrounds. Our commitment to being one of the greatest St. Louis banks for local banking extends to maintaining a staff that reflects the diversity of St. Louis itself.

If for any reason you have a complaint about your treatment by our staff or any of the St. Louis banks, you can send a complaint to the address listed above.

To contact Jefferson Bank directly please call 314-621-0100 or write to:
Jefferson Bank and Trust Company
2301 Market Street
Saint Louis, MO  63103

Customer relationships are very important to us so you may count on a quick and courteous response.

Who Enforces the Equal Opportunity Credit Act?

St. Louis Banks | Equal Housing Lender

The Federal Trade Commission enforces the Equal Opportunity Credit Act, which mandates that all lenders – including all St. Louis banks – avoid discriminating on the basis of age, race, color, national origin, religion, sex, handicap, or familial status when extending loans or other credit products including credit cards.

St. Louis banks like Jefferson Bank also play a part in ensuring compliance with non-discrimination policies by maintaining strict anti-discrimination policies, providing diversity training to employees, and acting as a leader among St. Louis banks to provide support for these policies in the community.

St. Louis banks and other financial institutions cannot deny applications on the basis of being a member of any demographic category. Additionally, there are other issues that St. Louis banks and other banks nationwide are not allowed to consider on loan applications, such as considering income from public assistance as different from private earnings.

Jefferson Bank and other St. Louis banks provide substantial training to employees to ensure compliance with these laws.

For more information about the equal lending policy that St. Louis banks must comply with or your rights under the equal lending law, call us at 314-621-0100 or use our convenient online contact form to contact one of our St. Louis banks.