It is First Metropolitan’s policy to treat you with professionalism, courtesy and fairness. Our employees strive to offer assistance, encouragement and service in a fair, equitable and consistent manner. The success of the Fair & Responsible Lending Policy (the “Policy”) is the responsibility of the entire organization. This Policy applies across all aspects of lending operations, including advertising and marketing, loan origination, processing, underwriting, closing, and loss mitigation activities.
First Metropolitan’s commitment to fair and responsible lending principles is demonstrated throughout the Company’s structure and organization, in employee accountability, through various monitoring and auditing programs and in education and training programs it offers. First Metropolitan’s management team is responsible for establishing policies to ensure that operations and business practices reflect our strong commitment to fair and responsible lending, and that all employees are aware of that commitment.
First Metropolitan has adopted the Policy to promote compliance with all applicable state and federal laws ensuring fair lending and equal access to credit, including but not limited to the federal Equal Credit Opportunity Act (“ECOA”) and the Federal Reserve Board’s Regulation B (which implements ECOA). The Policy is also adopted to prevent unlawful discriminatory practices in relation to its lending activities.
First Metropolitan will not discriminate with respect to any aspect of a credit decision on the basis of race, color, religion, national origin, sex, marital status, disability, age (provided that an applicant has the capacity to enter into a binding contract), receipt of income from any public assistance program, sexual orientation, the good faith exercise of any rights under the federal Consumer Credit Protection Act, or the good faith exercise of rights under any state law allowing or recognizing Registered Domestic Partnerships, Civil Unions, or other such similar unions or partnerships regardless of the title assigned to them. First Metropolitan is fully committed to the principle that all decisions related to the granting or servicing of credit should be made with consideration of safe and sound business practices. First Metropolitan takes appropriate steps to ensure that this Policy is applied consistently and continuously through all aspects of its credit operations, including advertising and marketing, loan origination, processing, underwriting, closing, and loss mitigation activities.
By providing your cell number, you have provided us with consent to send you text messages in conjunction with the services you have requested. Your cellular provider’s Msg & Data Rates May Apply to our confirmation message and all subsequent messages.
You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.
We may modify this Text Message Policy at any time at our discretion. We will post changes to this text message policy on our website at https://fmfsloans.com. We may terminate our text message program at any time.
You agree and consent to be contacted by the Company, our agents, employees, attorneys, affiliates, subsequent creditors, loan servicing companies and third party collectors through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including the use of automatic telephone dialing systems, auto dialers or an artificial or prerecorded voice.
Opt-out or STOP
- If you wish to stop receiving text messages, reply to any text message we have sent you and in the reply text simply type STOP. We will include this information in the majority of messages that you receive.
It is our policy to send no more than 7 messages per month. In general the messages we send provide you with information about your account. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.
If you have any questions about this policy or are having problems receiving or stopping our text messages, please contact us using the following information:
First Metropolitan Financial Services
6295 Summer Ave, Suite 102
Memphis, TN 38134