Disclosures

USA Patriot Act

Important Information About Procedures For Opening A New Account

The USA Patriot Act was created by our federal government in response to the September 11, 2001 terrorist attacks. Section 326 of the Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who either opens an account or makes changes to an existing account. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

These requirements apply to both new customers and existing customers. We apologize for any inconvenience this may cause, but we are prohibited by the law from waiving these requirements.


Fair Lending & SAFE Act

It is the policy of Hometown Bank of Pennsylvania to comply with the letter and the spirit of all applicable state and federal consumer protection laws and regulation.

Fair Lending Policy Statement

The federal fair lending laws are actually a group of laws that prohibit discrimination in credit transactions, including transactions related to residential real estate. These laws include the Fair Housing Act, Equal Credit Opportunity Act, Community Reinvestment Act, and the Home Mortgage Disclosure Act.

In accordance with the fair lending laws, Hometown Bank of Pennsylvania is committed to promoting fair housing choice and will not discriminate against any person on the basis of race, creed, color, national origin, ancestry, sex, marital status, age, lawful source of income, family status, learning disability, physical or mental disability, or sexual orientation.

SAFE Act Registration

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is a federal law designed to enhance consumer protection and reduce fraud in the mortgage lending industry. The SAFE Act requires that all individual mortgage loan originators or MLOs be registered with the Nationwide Mortgage Licensing System and Registry or NMLS. View the Hometown Bank employees registered with NMLS.