Code of Ethics
The Code of Ethics has been adopted by the Board of Directors and establishes the institution's values and expectations for the ethical conduct of directors and employees in business transactions and includes a general statement of expectations for appropriate professional conduct. The Code of Ethics is posted below and available on request at no cost.
Fair Housing Act
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 to 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.
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
AND TO
Farm Credit Administration
Office of Congressional and Public Affairs
1501 Farm Credit Drive
McLean, Virginia 22102-5090
Equal Credit Opportunity Act
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION: On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance; or Because a right has been 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, Virginia 22102-5090
Equal Employment Opportunity
We are an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, age, marital status, disability or veteran status. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening.
Home Mortgage Disclosure Act
In accordance with the Federal Reserve Board’s Regulation C (Home Mortgage Disclosure Act), Carolina Farm Credit has available annual reports submitted to the U.S. Department of Housing and Urban Development (HUD) regarding compliance with the Home Mortgage Disclosure Act (HMDA). The HMDA data about our residential lending are available for review. The data show shows geographic distribution of loans and applications, race, gender, and income of applicants and borrowers, and information about loan approvals and denials. These reports are available for inspection at the appropriate office listed below or copies are available upon written request.
Corporate Office
Carolina Farm Credit, ACA
P.O. Box 1827
146 Victory Lane
Statesville, NC 28687
Electronic Communications
When you use Carolina Farm Credit, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Pay Transparency
Carolina Farm Credit (the “Association”) will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Association’s legal duty to furnish information.