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Patriot Act

Beginning January 1, 2004, all mortgage lenders are required to collect modified Race data, as well as new Ethnicity, Home Ownership and Equity Protection Act (HOEPA) Status, and Rate Spread data, to comply with the revisions to Regulation C, the implementing regulation for HMDA. The USA Patriot Act currently requires that financial institutions collect customers’ dates of birth instead of age. Hometown Equity Mortgage will collect this data should you decide to complete a full application for a mortgage loan.

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