Fair Lending Statement

Equal Opportunity Lender

Fiona Loans is strictly committed to the principles of fair lending and equal access to credit. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

We evaluate all applications based solely on the applicant's financial requirements and our established underwriting criteria. Our commitment to accepting all credit scores reflects our dedication to providing accessible capital to every borrower in all 50 states.

Compliance with Fair Lending Laws

We comply with all applicable fair lending laws and regulations, including but not limited to:

• Equal Credit Opportunity Act (ECOA): Prohibits discrimination in any aspect of a credit transaction.
• Consumer Credit Protection Act (CCPA): Protects borrowers who exercise their rights under federal consumer credit law.
• Fair Credit Reporting Act (FCRA): Governs how consumer credit information is collected, used, and shared.
• Truth in Lending Act (TILA): Requires clear, up-front disclosure of loan costs and terms.

Our Lending Principles

• Objective Criteria: All lending decisions are based on the applicant's financial requirements and our established underwriting criteria — never on protected characteristics. We accept applicants across all credit score ranges.
• Consistent Application: We apply the same lending standards to all applicants regardless of protected characteristics.
• Transparent Terms: All loan terms, rates, and fees are clearly disclosed before you accept an offer.
• Responsible Lending: We assess each borrower's ability to repay and do not make loans that we believe a borrower cannot reasonably repay.

Filing a Complaint

If you believe you have been discriminated against in connection with a credit transaction, you may file a complaint with:

• Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov
• U.S. Department of Housing and Urban Development (HUD)
• Your state's Attorney General office
• Fiona Loans directly at support@fionaloans.com