Additional Policies and Statements

Equal Credit Opportunity Lender Statement

WE DO BUSINESS IN ACCORDANCE WITH FEDERAL FAIR LENDING LAWS

Equal Credit Opportunity Statement

UNDER THE EQUAL CREDIT OPPORTUNITY ACT (The Consumer Credit Protection Act, as amended by the Equal Credit Opportunity Act Amendments of 1976)

IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis or race, color, national origin, religion, sex, marital status, or age, 
• Because income is from public assistance, or 
• Because a right was exercised under the Consumer Credit Protection Act.

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

Farm Credit Administration,
Office of Congressional and Public Affairs,
1501 Farm Credit Drive,
McLean, VA 22102-5090,
703-883-4056, 703-883-4444 (TDD).

Equal Housing Statement

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 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.
  (The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)

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,
1-800-669-9777 (Toll Free), 1-800-927-9275 (TDD),
for processing under the Federal Fair Housing Act

AND TO:

Farm Credit Administration,
Office of Congressional and Public Affairs,
1501 Farm Credit Drive,
McLean, VA 22102-5090,
703-883-4056, 703-883-4444 (TDD),
for processing under Farm Credit Administration Regulations

Equal Opportunity Employer Statement

Yosemite Farm Credit is an equal opportunity employer and all qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.                       

Whistleblower Program

The Audit Committee of Yosemite Farm Credit has established a Whistleblower Program to receive and handle reports related to concerns regarding any illegal or unethical activities in the workplace.

It provides for the confidential, anonymous reporting of concerns.  Reports can be filed online at www.ethicspoint.com or by phone 1-888-296-8178.

Options for Distressed Home Loan Borrowers

If you are unable to make your payments on a Yosemite Farm Credit loan secured by the home in which you reside, and wish to avoid foreclosure, you may be eligible to apply for a loan restructure, including loan reamortization, loan renewal, deferral of principal or interest, or other actions. Not all loans are eligible and certain exemptions apply. Please contact your loan officer for complete details. Your loan officer may be reached by calling your local branch directly or by calling Toll- Free 866-837-1838 Monday – Friday, 8:00 am – 5:00 p.m. PT. You may also wish to find a HUD-approved Credit Counseling agency by telephone at 800-569-4287. The decision to approve or deny a loan restructure application will be made by Yosemite Farm Credit in its sole discretion. To apply for a restructure of your loan, please download and complete this restructure application and return it to your loan officer with copies of supporting documentation as requested in the form, including but not limited to the following:

• Current financial statements
• Financial statements for each of the preceding three calendar or fiscal years
• Income and expense statements, certified by an independent accountant, covering the past three calendar or fiscal years.  If these are not available, Federal tax returns are acceptable.
• Cash flow projections:
  • Monthly projections covering the next 12 month period.
  • Quarterly projections covering the following 12 months
  • Annual projections covering the following 3 years.
• A list of payments exceeding $10,000 made during the past year
• The amount of withdrawals of any kind that you have made from the business (whether proprietorship, partnership, or corporation) during the past two years