Disclosures & Bylaws

Fair Housing Act

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF 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 to 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 and Urban Development
Washington, DC 20410

AND TO

Farm Credit Administration
Office of Congressional and Public Affairs
1501 Farm Credit Drive
McLean, Virginia 22102-5090

 

Equal Housing Lender/Equal Opportunity Lender

We are an Equal Housing Lender/Equal Opportunity Lender. As an Equal Housing Lender/Equal Opportunity Lender, we do not discriminate on the basis of race, color, national origin, religion, sex, handicap or familial status (having children under the age of 18).

 

Home Mortgage Disclosure Act

UNDER THE HOME MORTGAGE DISCLOSURE ACT, IT IS THE DUTY OF DEPOSITORY INSTITUTIONS LIKE SOUTHWEST GEORGIA FARM CREDIT TO REPORT:

The number and total dollar amount of mortgage loans which were (A) originated (or for which the institution received completed applications), or (B) purchased by that institution during each fiscal year.

 

Equal Credit Opportunity Act

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 has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Farm Credit Administration
Office of Congressional and Public Affairs
1501 Farm Credit Drive
McLean, Virginia 22102-5090

 

Equal Opportunity Employer

Southwest Georgia Farm Credit Bank is an equal employment opportunity and affirmative action employer, and we do not discriminate in our employment practices due to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran or disability status.

USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistance Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call 1-866-632-9992 (Toll-free Customer Service,) 877-8339 (Local or Federal relay), 1-866-377-8642 (Relay voice users).

 

Bylaws

View PDF of Bylaws

 

Pay Transparency Policy Statement

Southwest Georgia Farm Credit Bank will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Association’s legal duty to furnish information.

 

Code of Ethics

Southwest Georgia Farm Credit’s Code of Ethics establishes high ethical standards for professional conduct for directors and employees, including requiring all directors and employees to avoid and disclose any conflicts of interest. View a full copy of the Code of Ethics. 

 

Whistleblower

Southwest Georgia Farm Credit is committed to conducting its affairs to the highest standards of ethics, integrity, and honesty. To help us deliver on this commitment, we have established the Whistleblower Hotline as a communication channel to report concerns related to the integrity of our accounting processes, internal controls, ethical conduct, or allegations of retaliation for having reported matters in good faith. The Whistleblower Hotline is an independent, confidential and anonymous reporting mechanism for your financial and ethical concerns. If you become aware of or suspect any breach of our Code of Ethics or have complaints concerning accounting issues, fraud, ethical, legal or regulatory matters, we ask you to submit a complaint by either of the following methods: