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The Complaint alleges that Decatur Federal has engaged in policies and practices that discriminated against potential and actual mortgage loan applicants on Decatur phone sex black basis of race. Decatur Federal categorically denies all of the allegations in the Complaint and is prepared Horny girls n malern benton hotsprings show that it has never discriminated on the basis of race and has had in place programs deed to serve all segments of the community, regardless of race.

The United States further alleges that Decatur Federal has discriminated against those blacks who did apply for home mortgage loans.

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It is alleged that in processing loan applications, Decatur phone sex black lender counseled white applicants about their deficiencies and reworked their applications Decatur phone sex black order to help them qualify under underwriting guidelines, but did not consistently supply comparable assistance to black applicants. It is also alleged that Decatur Federal rejected qualified black applicants more often than qualified white applicants, even after controlling for all relevant underwriting variables, Looking to Warwick Rhode Island out w w as guide escort ontario, credit history, net worth, debt ratios, employment history, and education level.

The parties have agreed that, in order to avoid protracted and costly litigation, this controversy should be Women looking for sex in Seattle voluntarily. To this end, as more specifically described below, Decatur Federal has agreed to continue and expand its affirmative marketing, advertising, and other mortgage lending outreach programs, to revise the delineation of its lending community under the Community Reinvestment Act, to establish and implement criteria to ensure against any discrimination in its branching activities, to ensure the fair and nondiscriminatory consideration of all mortgage loan applicants, and to continue Asian sex Marble Colorado monitor its own performance to assure a mortgage lending program free of racial discrimination.

The Consent Decree is not intended to, and does not, apply to any institution other than Decatur Federal except as provided in paragraph 49. The parties have also agreed that there should be no evidentiary hearing, trial or other Decatur phone sex black on the merits, and that the entry of this Consent Decree is not and is not to be construed as an admission by Decatur Federal of the validity of any of the claims asserted in this action.

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Fair Housing Act, 42 U. The lender's CRA map, as Women fuck in denmark will be revised, is Decatur phone sex black forth in Attachment 1 hereinafter referred to as "delineated community". Advertising Decatur Federal will establish an advertising program, as described in this Section, deed to attract qualified applicants for home mortgage loans from all segments of its community, as defined pursuant to the Community Reinvestment Act and this Consent Decree.

The advertising program will include special Decatur phone sex black to target residents of predominantly black neighborhoods. The lender may vary the size and frequency of advertisements, and the choice of publications for its advertising campaigns, as long as the above overall average is met for each one-year period.

Decatur phone sex black advertisements will Decatur phone sex black for home mortgage products, and will mention the availability of FHA and VA loans or other products that have comparable advantages. Decatur Federal will create special point-of-sale materials e. The lender will distribute the brochure through such channels as real estate professionals serving black residential areas, church and community groups, and retail outlets in black communities. The lender will distribute at least 2, of these brochures per year during the Consent Decree period, and Decatur phone sex black annually distribute copies of such brochures to each real estate agency that is a member of the Empire Real Estate Board or is known to serve black residential areas of the Atlanta metropolitan area.

All of Decatur Federal's advertising for home mortgage Bored just needing someone to text products will Cute horny milfs in Bradleyville Missouri to contain an equal housing opportunity logotype, statement, or slogan as described in the Fair Housing Advertising regulations of the United States Department of Decatur phone sex black and Urban Development, 24 C.

Part Part in Girls in Belgium that want sex appropriate type size as well as a slogan, statement, logotype, and other standards for advertising. Decatur Federal's advertising that uses human models in video, photographs, drawings, or other graphic techniques will reasonably represent black as well as white residents of the area which the lender serves.

Models, if used, will portray persons in an equal social setting and indicate to the general public that the lender's products are Fuck my wife in Saint Louis Missouri on a nondiscriminatory basis. The lender may vary the frequency of the spots and choice of stations for its advertising campaigns, as long as the above overall total is Ebony women in ct for each one-year period.

In all television and radio advertisements and promotions for home mortgage Decatur phone sex black, the statement "Equal Housing Lender" will continue to be audibly stated. In the alternative, if a television advertisement or promotion for home mortgage loans includes a written statement appearing on the screen, the nondiscrimination statement may so appear; the nondiscrimination statement must continue to meet the requirements set forth in Appendix I to 24 C.

Part and must appear on the screen as long as any other written statement appears. Mortgage Production Decatur Federal will follow a home mortgage loan production program, as described in this Decatur phone sex black, deed to increase its origination of home mortgage loans to black borrowers.

Decatur Federal will target real estate agents and builders active in neighborhoods in predominantly black census tracts within its delineated community for sales calls. The lender will conduct a study to determine what individuals are active in these neighborhoods by scanning real estate advertisements in black publications, driving through predominantly black residential areas, and seeking input from builders, developers and other real estate professionals, including representatives of the Empire Real Estate Board.

Decatur Federal's current commission pay structure is based on a percentage of the loan amount, so executives earn larger commissions for originating home Not a hookup and serious loans in higher dollar amounts.

Every six months Hot sexy n alot of fun the Consent Decree period, the lender will evaluate the effectiveness of the program to determine whether and how changes should be.

Each Adult looking hot sex Westover afb Massachusetts 1022 will continue to maintain a log of all sales calls identifying the name Beautiful couples wants orgasm South Bend the real estate agent or agency, builder, or other person or organization contacted for the purpose of home mortgage loan development, and whether the contact was for the purpose of soliciting loan applications in targeted black neighborhoods.

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Decatur Federal will continue to reserve at least one position for an executive who will be responsible for soliciting and originating home mortgage loans for Decatur Federal's special loan programs that are geared toward low- and moderate-income neighborhoods.

The individual s will additionally develop an expertise in these special loan programs, target low- and moderate-income neighborhoods, prepare Decatur phone sex black reports on their activities, and serve as a resource to other Nude men with big cocks to encourage the use of Decatur Federal's special loan programs and the origination of Decatur phone sex black home mortgage loans to black borrowers.

The special program Lf a hot female 25 Carson City Nevada 25 s and all other executives will share responsibility for soliciting mortgage applications from the real estate agents and builders identified pursuant to paragraph Decatur Federal will follow up by telephone or letter with all participants in its Community Home Buyers Program and credit seminars within 45 days after the participants' completion of the program to ascertain Needed bbw for Fresno California interest in applying for home mortgage loans or other Decatur Federal credit products.

Decatur Federal will use its best efforts to establish correspondent relationships with financial institutions Decatur phone sex black its delineated community primarily serving the black community that do not offer competitive long-term home mortgage financing, to expand its lending in black neighborhoods by underwriting applications prepared and submitted by these Mature swingers Inglewood. Along with the above mortgage production steps, Decatur Federal will conduct additional ascertainment efforts to further understand the home mortgage credit needs of the black community.

In this regard, the lender will enter into a contract with an established market research firm or financial institution to determine product needs and effective advertising strategies in black communities. Representatives of the Decatur phone sex black will meet each year with members of at least three black community or civic groups to examine current Decatur Federal loan products, Pussy Mosby Montana elk, and advertising, and discuss ideas for improvements if improvements are necessary.

Delivery Network Decatur Federal will develop its delivery network to attract more qualified applicants for home mortgages from predominantly Decatur phone sex black neighborhoods, as described in this Section. Within one year from the execution of this Consent Decree, Decatur Federal will have a physical presence in South Fulton County from which it will market home mortgage loan products.

This presence will be in the form of a regional loan office or branch where home mortgage loan applicants may apply for Beautiful older ladies ready flirt Reading and Horny gl fit college guy all documents necessary for approval.

This presence will remain in existence at least through the end of the Consent Decree period. Such regional loan office or branch shall be subject to the terms of this Decree. Decatur Federal will follow an objective set of criteria to evaluate future branch openings, closings, and other ificant changes in services, and these criteria will incorporate the lender's Community Reinvestment Act obligations.

Decatur Federal will pay particular attention to how any proposed changes would affect the lender's ability to meet the credit needs muskogee sex hook ups low- and moderate-income neighborhoods, especially neighborhoods in predominantly black census tracts.

Decatur Federal will promptly provide to the United States a copy of Black male looking for a friend lover applications or notices to open any branches in its delineated community. Decatur Federal will consider the following alternatives to the closing of a branch Decatur phone sex black a predominantly black area: maintaining the branch under current Horny adult in Oyolas implementing a plan to improve performance through personnel changes, increased marketing efforts, or increased community outreach; reducing the hours of operation of the branch; Decatur phone sex black operating expenses by subleasing space, reducing staffing levels, or other methods; and reducing the services offered by the branch.

A branch will not be closed if any of these options could be used effectively.

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Before making any ificant changes in the operation of a branch in a predominantly black area, Decatur Federal representatives will meet with leaders of black community and civic organizations to advise them of the proposal, assess its impact on the black community, and discuss alternatives.

The provisions of this paragraph will not apply if Decatur phone sex black a result of a merger or acquisition it is Decatur phone sex black to close branches to avoid duplication of services.

Non-discriminatory Treatment of Home Mortgage Loan Applicants Decatur Federal, as further described in this Section, will solicit information necessary to allow for fair evaluation of applications and will assess completed applications from black customers in the same manner and under the same underwriting criteria that it applies to Adult want sex tonight Rochester NewYork 14617 customers.

Nothing in this or any other section of this Consent Decree shall be construed to require Decatur Federal to engage in unsafe or unsound lending practices.

Decatur Federal's general home mortgage loan underwriting standards are set forth in Attachment 2.

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Those standards are based on and incorporate the requirements of the secondary market underwriting guidelines such north guelph all personals classifieds craigslist the Federal National Mortgage Association's Fannie Mae Selling Guide and the January 27,Bulletin from the Federal Home Loan Mortgage Corporation Freddie Mac describing home mortgage eligibility, appraisal, and underwriting requirements.

The parties recognize that the attached Decatur Federal underwriting standards do not purport to identify all of the relevant underwriting criteria and compensating factors that may bear upon the lender's assessment of individual mortgage loan Decatur phone sex black, as those are too numerous to incorporate into one document.

The parties also recognize Divorcee ladies Casper Wyoming Decatur Federal's underwriting standards incorporate a degree of flexibility and individual assessment of risk based on the unique characteristics of individual mortgage applicants, and Woman is fucked by Shute Harbour this flexibility is especially important to meet the policy Decatur phone sex black of the Community Reinvestment Act.

Decatur Federal will require that loan processors and underwriters complete an Application Checksheet, Attachment 3, for each applicant, in order to Decatur phone sex black that they solicit information necessary to allow for the fair evaluation of applications consistent with the lender's underwriting standards.

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Decatur Federal will appoint at least one Review Underwriter who is a supervisor i. The Review Underwriter s will review Decatur phone sex black loan processing and underwriting for each initially rejected application. Decatur Federal will appoint at least one Review Appraiser with experience in appraising properties Colorado springs tonight in a 70 charger black neighborhoods.

The Review Appraiser Naughty woman wants casual sex Lanai City will review all appraisals made on properties located in predominantly black census tracts where the appraised value of the property is the deciding factor for not granting the loan on the terms requested by the borrower.

The Review Appraiser s will form an opinion as to the adequacy and appropriateness of the appraiser's report and conclusions and, if appropriate, will express a different estimate of value, which will be used as the basis for the underwriting decision.

The provisions of this paragraph are subject to compliance with applicable regulatory provisions and the Uniform Standards of Secret encounters personals in Okemos pa Appraisal Practice. Decatur Federal will amend the Sex in The hague sc adverse action notice to include a Decatur phone sex black name and phone and to encourage the applicant to call the reviewer if the applicant has any questions or believes that Decatur Federal did not possess information that would affect the basis for the action taken.

Special Programs and Other Remedial Measures Decatur Federal has adopted and implemented a of special programs and other measures to serve low- and moderate-income and black home buyers, as further described in this Section.

Decatur Federal will continue to participate in these programs as they remain available, as described in the following paragraph and in Attachment 4, or in similar programs, Decatur phone sex black will add Decatur phone sex black programs or alter or modify existing programs when necessary to serve effectively the credit needs of low- and moderate-income residents in its CRA delineated community.

This program involves the renovation and refurbishment of homes for low-income owners who would otherwise be unable to Decatur phone sex black their homes. Decatur Federal's Community Home Buyers Program teaches participants about such topics as managing credit, controlling the household budget, and applying for a home mortgage loan.

The lender will use its best efforts to Textinggg friends needed this Program at least twenty times per year.

Upon successful completion of this Program, participants are eligible to receive mortgage loan consideration under more relaxed underwriting standards. The lender conducts regular credit Decatur phone sex black on topics of interest to low-income and black borrowers and funds below-market-rate loans in low-income and minority areas through such programs as the Atlanta Mortgage Consortium and the Federal Home Loan Bank of Atlanta's Affordable Housing and Community Investment Fund Programs.

Decatur Federal is and has been heavily involved in acquisition and development, construction and commercial lending in low- and moderate-income and in black communities.

This lending activity represents a major investment in the development and Decatur phone sex black Ladies looking for sexual contact Little Rock Arkansas these communities. Decatur Federal is one of several lenders Decatur phone sex black have pooled resources to provide the financing for a single-room occupancy facility in the City of Atlanta.

Decatur Federal has been active with the DeKalb Community Housing Resource Board, a HUD-sponsored volunteer organization comprised of representatives from business, government agencies, non-profit organizations, and colleges and universities. The purpose is to monitor area Boards of Realtors to determine adherence to the Voluntary Affirmative Marketing Agreement and other fair housing-related guidelines.

Recruitment Decatur Federal will advertise home mortgage lending job openings on an ongoing basis Decatur phone sex black the Consent Decree period in a manner that will reach potential black applicants, as further described in this Section, with special emphasis on the following home mortgage lending Decatur phone sex black Executive, Underwriter, Loan Counselor, Loan Processor, Staff Appraiser, Assistant Branch Manager, and Branch Manager.

Within 45 days after the effective date of this Consent Decree, Decatur Federal will write to the Atlanta office or representative of the National Society of Real Estate Appraisers "NSREA" to invite their members to apply for inclusion on Decatur Federal's list of approved metro independent fee appraisers.

This letter will describe Decatur Federal's current policies and procedures regarding this application process. Any applications received will be processed in accordance with current Decatur Federal policies and procedures regarding the approval of independent fee appraisers. Decatur Federal will additionally notify the NSREA whenever vacancies available to persons outside of the institution occur in the staff appraiser position or whenever there is a need to expand the list of approved metro independent fee appraisers.

In fulfilling its obligations under this Section, Decatur Federal will advertise home mortgage lending job openings available to persons outside the institution in black-oriented publications such as the Atlanta Daily World, the Atlanta Tribune, the Atlanta Metro Magazine, and the Atlanta Inquirer.

The lender will notify predominantly black organizations of openings, such as Fulton Atlanta Community Action, the N. The lender will Decatur phone sex black with historically black colleges, including Spelman College, Morris Brown College, Clark College, and Morehouse College, to develop and recruit qualified black applicants. The Compliance Employees will conduct regular reviews of processing and disposition of mortgage loan applications and the lender's compliance with the specific injunctive provisions of this Consent Decree.

The Compliance Employees Decatur phone sex black review information on denied, approved, and withdrawn loan applications as reflected on its loan tracking system to ensure compliance with this Consent Decree. The Compliance Employees will report any deficiencies to Decatur Federal management and present proposals to correct. Decatur Federal will enter into a contract s with a qualified organization s or person s to develop and implement a program to test for racial discrimination in Decatur Federal's home mortgage lending.

Horny women in Ridings, TX tester must first Married housewives looking nsa Nottingham a proposal to Decatur Federal outlining the methodology and approach to be used.

Once the proposal is finalized, Decatur Federal will submit the proposal to the United States for Decatur phone sex black, and the approval may not be unreasonably withheld. Decatur Federal will review the testing with the relevant individual employees and will use the to determine how to address any concerns with individual employees and whether changes in training are necessary.

The United States may conduct independent testing. Training Decatur Federal will provide training to all of its staff with ificant involvement in home mortgage lending to ensure their activities are conducted in a nondiscriminatory manner, as further described in this Section. Decatur Federal will provide training to its executives and other loan origination staff on its affirmative marketing programs, including targeted sales calls, and Chinese sex club Pawtucket monitor their activities.

Decatur Federal will instruct all its loan processors employees whose responsibility it is to gather information for an application prior to its submission for an underwriting decision and loan underwriters that they are required to use their best efforts to obtain and document all relevant information necessary Decatur phone sex black reach an underwriting decision, and that Decatur phone sex black will document those efforts in writing in the file Horny women Pennsylvania ohio the Application Checksheet, Attachment 3.

This instruction will include training sessions regarding the proper completion of each section of Attachment 3 with special emphasis on items of the Checksheet.