Terms & Conditions

Web Site Terms & Conditions of Use

USA Patriot Act

IMPORTANT ACCOUNT OPENING INFORMATION: Federal law under the USA Patriot Act requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement. In some instances we may use outside sources to confirm the information. The information you provide is protected by our PRIVACY POLICY AND FEDERAL LAW.

EQUAL CREDIT OPPORTUNITY ACT (ECOA) NOTICE

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants 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. The federal agency that administers compliance with this law concerning this credit is: Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480, toll-free number: (888) 851-1920, fax number: (877) 88-2520, TDD number: (877) 766-8533.

NOTICE OF THE RIGHT TO REQUEST SPECIFIC REASONS FOR CREDIT DENIAL

You have the right to a written statement of reasons we were unable to approve your application. You have 60 days from the date of our notification to you of adverse action to make a written request for a statement of the reasons. If you would like a statement of specific reasons why your application was denied, please contact Russell J. Smith, our Chief Credit Officer at the address provided. We will provide you with the statement of reasons within 30 days after receiving your request. If you have any questions regarding this notice, you should contact us at Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine, CA 92614 – Attn: Russell J. Smith, Chief Credit Officer, Phone: (949) 623-7593.

NOTICE TO APPLICANT OF RIGHT TO RECEIVE COPY OF RESIDENTIAL REAL PROPERTY APPRAISAL:

You have the right to a copy of the appraisal report used in connection with your application for credit. If you would like a copy, please write to us at the mailing address shown below. We must hear from you no later than 90 days after we notify you about the action taken on your credit application or from the date you withdraw your application. In your letter, give us the following information: Application Name, Address and Property Address.

NOTICE TO APPLICANT OF RIGHT TO RECEIVE COPY OF NON RESIDENTIAL REAL PROPERTY APPRAISAL:

You have a right under section 11423 of the California Business and Professions Code to a copy of the appraisal report obtained by this bank in support of your application for credit, provided that you have paid for the appraisal. We must hear from you no later than 90 days after we notify you about the action taken on your credit application, including notice of an incomplete application. If you withdraw your application, you must make your request for an appraisal report within 90 days of the withdrawal. If you request a copy of your appraisal report, and you have paid for the costs of the appraisal, we will send you a copy at the address shown on your loan application. You are only entitled to receive a copy of the appraisal report for purposes of evaluating your pending request for an extension of credit with this bank.

HOME MORTGAGE DISCLOSURE ACT NOTICE:

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine Ca 92614 regarding the locations where HMDA data may be inspected. To receive a copy of this data send a written request to this same address Atttn: Russell J. Smith, Chief Credit Officer.

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