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Financial Institution Letter

FDIC Updates Equal Housing Lender Posters

August 31, 2023  |  FIL-47-2023

Summary:

FDIC-supervised institutions are required to maintain up-to-date Equal Housing Lender (EHL) posters in branches, as required by the Fair Housing Act. The FDIC recently amended some details of the posters, including updating the name of the office to which complaints should be addressed, as well as adding the web address of the FDIC’s web-based complaint portal. FDIC-supervised institutions may obtain compliant posters from the FDIC Online Catalog through FDICconnect.

Statement of Applicability: The contents of, and material referenced in, this FIL apply to all FDIC-supervised financial institutions

Highlights:

On April 23, 2023, the FDIC issued a Federal Register Notice to update and clarify the requirements for EHL posters that are required to be displayed in FDIC-supervised institutions. These changes were necessitated by a name change of the FDIC’s entity that receives complaints, from the Consumer Response Center to the National Center for Consumer and Depositor Assistance (NCDA), and the introduction of the web address of the FDIC’s web-based complaint portal.

FDIC-supervised institutions are required to update their EHL posters with the following name, address, and web address:

National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter

The effective date for these changes was June 23, 2023. Financial institutions are reminded that the NCDA’s address to physically mail complaints will be maintained at FDIC.gov, and EHL posters should reflect the correct address. FDIC-supervised banks may, but are not required to, obtain posters from the FDIC Online Catalog. Institutions may also wish to create their own posters or use third-party providers. Institutions are expected to make good-faith efforts to update the EHL posters as soon as reasonably practicable.

To request copies of the EHL posters from the FDIC, financial institutions must be registered users of the FDICconnect (FCX) system and provisioned for the FDIC Online Catalog. The steps for FCX users to obtain posters are as follows:

  1. To access the FDIC Online Catalog, log into FCX Connect using your FCX Connect credentials.
  2. Once you are logged in, you will be redirected to the Business Center Menu.
  3. Select the “Ask and Order” link on the upper left side of the screen. The FDIC Online Catalog link will appear underneath.
  4. Select the “FDIC Online Catalog Link” and you will be redirected to the FDIC Online Catalog log in screen.
  5. Click on the “FDIC Connect Users Click Here” button and you will be redirected to the FDIC Online Catalog.

If you do not have access to FCX, please register using this link. The FCX Team can also be reached by phone to answer registration questions through the FDIC Contact Center at 1-877-ASK-FDIC and selecting option #4 on the phone menu for FDICconnect.

Related Topics:

Fair Lending