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390.280 When do the definitions in this subpart apply? Each loan applicant's creditworthiness should be evaluated on an individual basis without reference to presumed characteristics of a group. (b) The basic purpose of the FDIC's nondiscrimination regulations is to require that every applicant be given an equal opportunity to obtain a loan.390.112 What information must I include in my public notice? 390.128 If the FDIC requests additional information to complete my application, how will it process my application? (7) Sections 390.142--390.144 prohibit loan denials based upon the age or location of a dwelling.390.129 Will the FDIC conduct an eligibility examination? These restrictions are intended to prohibit use of unfounded or unsubstantiated assumptions regarding the effect upon loan risk of the age of a dwelling or the physical or economic characteristics of an area. 390.252 How must separate corporate identities be maintained? 390.264 Real estate lending standards; purpose and scope. Loan underwriting decisions must be based on an applicant's credit history and present and reasonably foreseeable economic prospects, rather than on the basis of assumptions regarding comparative differences in creditworthiness between married and unmarried individuals, or between men and women. 390.267 Letters of credit and other independent undertakings to pay against documents. Refusing to lend to, requiring higher standards of creditworthiness of, or imposing different requirements on, members of one sex or individuals of one marital status, is discrimination based on sex or marital status. For processing under the Federal Fair Housing Act AND TO: Federal Deposit Insurance Corporation, Consumer Response Center, 1100 Walnut St, Box #11, Kansas City, MO 64106 For processing under FDIC Regulations. 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.

(e) This regulation shall not apply in any case in which the Federal Equal Employment Opportunities law is made inapplicable by the provisions of section 2000e--1 or sections 2000e--2 (e) through (j) of title 42, United States Code. 2000e--2000h--2, and Equal Employment Opportunity Commission (EEOC) regulations at 29 CFR part 1600; (2) The Age Discrimination in Employment Act, 29 U. This section provides supplementary guidelines to aid savings associations in developing and implementing nondiscriminatory lending policies.390.130 What may the FDIC require me to do after my application is deemed complete? Loan decisions should be based on the present market value of the property offered as security (including consideration of specific improvements to be made by the borrower) and the likelihood that the property will retain an adequate value over the term of the loan.390.131 Will the FDIC require me to publish a new public notice? Specific factors which may negatively affect its short-range future value (up to 3-5 years) should be clearly documented. The determination as to whether primary income or additional income qualifies as effective for credit purposes should depend upon whether such income may reasonably be expected to continue through the early period of the mortgage risk. 390.170 Other definitions and rules of construction used in this subpart. The FDIC favors loan underwriting which reasonably evaluates the credit worthiness of each applicant based on a realistic appraisal of his or her own past, present, and foreseeable economic circumstances.

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