Equal Credit Opportunity Act (ECOA) Notice

Last updated: March 2026

1. Non-Discrimination Statement

Relendi Inc. is committed to the principles of fair lending and equal credit opportunity. We are dedicated to ensuring that all users of our platform are treated fairly and without discrimination.

No person shall be excluded from participation in, denied the benefits of, or subjected to discrimination in connection with any aspect of the Relendi platform on the basis of:

• Race or color
• Religion
• National origin
• Sex, including sexual orientation and gender identity
• Marital status
• Age (provided the applicant has the capacity to enter into a binding contract)
• Receipt of income from any public assistance program
• Good faith exercise of any right under the Consumer Credit Protection Act

2. Relendi's Role as a Technology Platform

Relendi is a technology intermediary, not a lender or creditor. We provide tools that connect borrowers, mortgage brokers, and lenders in the commercial real estate market. While Relendi itself does not make credit decisions, we are committed to ensuring that our platform:

• Does not enable or facilitate discriminatory lending practices
• Treats all users equitably regardless of protected characteristics
• Does not use protected class information in AI-powered analysis, lender matching algorithms, or deal scoring
• Maintains appropriate data firewalls to prevent demographic information from influencing credit-related outputs

2.1 AI and Fair Lending

Our AI-powered tools are designed with fair lending principles at their core:

• Data isolation: HMDA-protected demographic information is stored separately and is never included in deal packages sent to lenders
• Algorithmic fairness: Our lender matching and deal analysis algorithms are based solely on property characteristics, financial metrics, and lending criteria — never on borrower demographics
• Bias monitoring: We monitor our AI systems for potential disparate impact and take corrective action when necessary
• Transparency: AI-generated analyses are clearly labeled and include the factors considered in the assessment

[LEGAL REVIEW NEEDED: Confirm AI fairness disclosures meet current CFPB guidance on AI/ML in lending and fair lending requirements.]

3. Lender Obligations

All lenders who receive deal submissions through the Relendi platform are independently responsible for compliance with ECOA, Regulation B, the Fair Housing Act, and all other applicable fair lending laws and regulations. This includes:

• Evaluating applications based on creditworthiness and legitimate business factors only
• Providing timely notice of adverse actions and the specific reasons for denial
• Not discouraging or deterring applicants on the basis of protected characteristics
• Maintaining records as required by applicable regulations

4. Your Right to Know

Under ECOA and Regulation B, if a lender takes adverse action on your credit application (such as denying a loan or offering less favorable terms), you have the right to:

• Receive notice of adverse action: The lender must provide you with a written notice of the adverse action within 30 days
• Know the reasons: The notice must include the specific reasons for the adverse action or inform you of your right to request those reasons within 60 days
• Request reconsideration: You may provide additional information and request that the lender reconsider its decision

Note: As Relendi is a technology platform and not a creditor, these adverse action notice requirements apply to the individual lenders who evaluate and make decisions on loan applications.

5. Filing a Complaint

If you believe you have been discriminated against in connection with a credit transaction facilitated through or related to the Relendi platform, you have several options:

5.1 Consumer Financial Protection Bureau (CFPB)

You may file a complaint with the CFPB, which enforces ECOA for most creditors:

5.2 Federal Trade Commission (FTC)

5.3 Department of Housing and Urban Development (HUD)

For complaints related to housing discrimination under the Fair Housing Act:

5.4 State Regulators

You may also file a complaint with your state attorney general or state banking/financial services regulator:

• New York: New York State Department of Financial Services (NYDFS) — www.dfs.ny.gov/complaint
• Florida: Florida Office of Financial Regulation (OFR) — www.flofr.gov

5.5 Contact Relendi

You may also report concerns about discriminatory practices on our platform directly to us:

We take all reports seriously and will investigate promptly. If we identify discriminatory practices by any lender on our platform, we reserve the right to suspend or terminate that lender's access.

6. Additional Fair Lending Resources

• CFPB — Understanding Credit
• DOJ — Fair Lending Enforcement Program
• Federal Reserve — Equal Credit Opportunity