Responsible Lending Benefits Everyone

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Truth In Lending
NFS follows and promotes Fair Lending Laws to and for all Borrowers. All lenders associated with NFS have agreed to adhere to all Federal and State laws regarding the Fair Lending Laws.

All Lenders must disclose in writing to the Borrower; the interest rate, loan term, all fee's charged and other information pertaining to the loan before the Borrower accepts the loan.

Fair Lending Practice
In accordanance to the Dodd Frank Wall Street Reform Act (Pub.L. 111-203, H.R. 4173) which was signed into federal law by President Barack Obama on July 21, 2010 All Lenders, Non-Bank Lenders and Other Financiers shall participate in "Fair-Lending".

Fair Debt Collection Procedures and Practices
NFS is not a lender nor do we get involved in any debt collection proceedings.

We do require all lenders associated with NFS to follow all Fair Debt Collection Procedures which includes but not limited to:

  • No phone calls before 8:00 a.m. or after 9:00 p.m.
  • Not to behave unprofessionally. A lender shall not harass, upset or use inapproprate language when communicating with any borrower
  • Do not deceive a borrower with any form of falsification during the debt collection process.
  • Do not make legal or any threats towards any borrower without the legal authority to do so.

Local And Federal Lending Laws and Guidelines
NFS and it's lenders are committed to following all State and Federal laws which fall under the Truth In Lending laws. NFS does not purposely market products and services in states that forbid a particular service. We do however notify the customer upon submission of his/her application if there is any violations noted.

NFS requires all lenders involved in the processing of a Borrower's application to stricly adhere to all guidelines and/or any present and future FDCPA Statutes. If any lender is found to violate such agreement with NFS we will immediately terminate any present and future business with this lender as well as report them to the FTC.

DISCLOSURES AND CONSENT

When applying for loan services, we must provide certain legal information. We recommend that you read and understand these disclosures before using our services.

TCPA CONSENT

You hereby consent to receive autodialed and/or pre-recorded telemarketing calls at the telephone number provided, including your wireless number, if applicable. You understand that consent is not a condition of purchase and you may revoke this consent at any time.

ELECTRONIC COMMUNICATIONS CONSENT

When submitting your online application for services provided, you are providing consent to your lender to provide documents to you electronically. All documents sent by the lender are subject to this Consent Form, including but not limited to, any and all disclosures, declarations, contracts, policy forms, certificates, and/or documents, information, requests, applications, communications, and/or notices required by federal law, except when applicable law requires notice by another means. You agree that electronic delivery of documents is sufficient to meet all reporting and/or notice requirements, except when applicable law requires notice by another means. You are not required to receive documents electronically. If you do not agree to this Consent Form, please contact the lender and you will be provided documents in accordance with applicable law. Your agreement to accept documents electronically means that once the lender delivers a document to you, and if required, you click to accept the document, the terms contained in the document apply to you. Additionally, it means that the lender may not mail you copies of documents that are provided electronically. You must print or otherwise retain a copy of this consent form for your records.

Electronic Documents

When the lender delivers a document electronically, it will do so by making the document available to you through an online customer portal where documents are placed for you to view or by sending the document by e-mail. You should check your e-mail periodically to ensure timely receipt of any document delivered electronically. You agree to access the portal within 10 days of receiving notification that a document has been posted. A document will be considered delivered to you when: (1) the e-mailed document leaves the lender’s system (if e-mailed); or (2) the document is posted on the portal. To be clear, a document is not considered delivered based on when you review the document. The receipt of documents electronically has security and privacy risks. E-mail and online security and privacy cannot be guaranteed, and e-mails can be intercepted without your permission. If you agree to this Consent Form, you acknowledge and agree to accept these and other risks of receiving documents electronically.

Technology Requirements

Before agreeing to receive documents electronically, you must determine whether you have the necessary hardware and software to access and retain documents electronically. To access documents, you will need an e-mail address, Adobe Acrobat Reader, and a personal computer or other personal device that is capable of accessing the internet. To retain documents, your access device must have the ability to download to your hard drive, or an external media storage device, or to print the documents, as well as embedded HTML files. If you are unable to access a document electronically, you are obligated to notify your lender immediately by phone or email. If, after you have consented to the terms and conditions of this Consent Form, a change in the hardware or software requirements needed to access or retain documents electronically creates a material risk that you will not be able to access or retain subsequent documents delivered electronically, upon request, the lender will provide you with a statement of the revised hardware and software requirements for access to, and retention of, the documents, and the right to withdraw your consent without imposition of any fees for such withdrawal, and without imposition of any condition or consequence that was not disclosed in this Consent Form.

Request Paper Copies

You have the option to request that the lender provide you with paper copies of the documents the lender provides to you electronically. If you wish to obtain a paper copy of a document, you may send an e-mail request to the lender’s physical address or a written request to the lender’s physical address. Some lenders may charge for paper copies of a document. Moreover, even if you consent to receive documents electronically, the lender may choose, in its sole discretion, to send paper copies of documents to you even though the documents were made or could have been made available to you electronically. Such delivery will be provided to you at the most current mailing address on file.

Withdrawing Consent

You may withdraw your consent to receive documents electronically, at any time and without charge, by sending an e-mail request to the lender’s physical address or a written request to the lender’s physical address. Withdrawal of your consent shall not affect the legal effectiveness, validity, and/or enforceability of documents provided or made available to you electronically prior to implementation of your withdrawal of consent. Your withdrawal of consent shall be effective within ten (10) days after receipt by the lender of your withdrawal request. Thereafter, such delivery will be provided to you at the most current mailing address on file.

Authority to Access to Documents Delivered Electronically

You are the only individual authorized to access your documents from the lender electronically. You shall not share or disclose your password or other secure method to access documents delivered electronically. You shall take all reasonable measures to protect your access devices to prevent unauthorized access to documents delivered electronically.

Notification of Changes

You agree to notify the lender promptly of any changes to your mailing address, e-mail address, or other information. Notification may be by e-mail, in writing, or by telephone. You agree to hold harmless the lender in connection with your failure to provide current and valid contact information. By clicking the submit button, you confirm that you have read and understood this Consent Form in its entirety, that you consent to the electronic delivery of documents by the lender on its behalf and on behalf of other third parties, that your hardware and software systems meet the requirements set forth herein, that you are able to access and retain documents presented to you on a portal or via e-mail, and that you have printed or stored a copy of this Consent Form. If you do not agree to the terms of this Consent Form, please do not use the online loan application form.