Standards and Regulations

Safe Act 2008

Your Mortgage Loan Originator and the SAFE Act:

What is SAFE Act?

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008, known as the SAFE Act, is a federal law designed to protect consumers and reduce fraud. The law requires every mortgage loan originator (MLO) to be registered in the Nationwide Mortgage Licensing System and Registry (NMLSR). Each registered MLO receives a unique ID number that never changes, even if the individual changes employers. This NMLSR ID makes it easier for consumers to find information on their MLOs.


IDB-IIC Federal Credit Union's ID

Each agency-regulated financial institution, including IDB-IIC Federal Credit Union, is assigned its own entity ID in the registry. IDB-IIC Federal Credit Union’s NMLSR ID is 629518 . Individual mortgage loan originators working for IDB-IIC Federal Credit Union have their own unique IDs. Find your IDB-IIC Federal Credit Union mortgage loan originator:
 

  • Marco Paredes                     NMLS ID# 646015     Chief Lending Officer

  • Maria C. Cardona                  NMLS ID# 646017     MLO

  • Carlos Sibrian                       NMLS ID# 646019     MLO

  • Alexandra Rieckhof              NMLS ID# 1041374    MLO
     

 To find a IDB-IIC Federal Credit Union mortgage loan originator online,  click on the link http://www.nmlsconsumeraccess.org/  and enter the NMLS ID number.


Equal Housing Lender

We do business in accordance with federal fair lending laws.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OR 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.
     

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 & Urban Development
Washington, D.C. 20410
For processing under the Federal Fair Housing Act
and to:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428
For Processing under NCUA Regulations


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 was exercised under the Consumer Credit Protection Act.
     

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428