Lending disclosures

⚠️ DRAFT PLACEHOLDER — NEEDS LEGAL REVIEW. This text is a starting outline only and must be written or reviewed by a qualified lawyer before launch.

Version: 2026-10-draft

Truth in Lending (TILA / Regulation Z)

Before you sign, your loan offer will show the APR, finance charge, amount financed, total of payments and payment schedule. [Formal TILA disclosure box to be designed with counsel.]

Equal Credit Opportunity Act (ECOA / Regulation B)

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. [Regulator contact details to be added.]

Adverse action notices

If we decline your application, you'll receive a notice with the principal reasons and your rights, including under the Fair Credit Reporting Act if a consumer report was used.

State licensing

[State-by-state license numbers and disclosures to be added.]

Military Lending Act

[MLA coverage and disclosures to be confirmed.]