Utah Mortgage Lenders Association

Ethics

The UMLA strives to create and live by a higher code of ethics. We expect our members to follow these guidelines and to raise the quality of their services to customerss. When you choose a lender who is a member of the UMLA, you can be sure that they will act in your best interest with a high level of integrity.

We have provided the following services to help you know what you should expect from your lender.

Code of Ethics
See the document that all of our members have read and agreed to follow in their individaul and coorporate practices.

File a Complaint about a Lender
Consumer Complaints: The goal of the UMLA is to educate and promote fair and ethical play in the industry. If you feel a lender in the State of Utah has been unethical or acted illegally and would like to report an infraction or file a complaint please try one of the following options. 1. Call the UMLA hotline at 303-0700 or 800-530-3691. A representative from the UMLA ethics committee will respond to you within 48 hours. 2. Email the UMLA at complaint@UMLA.org and a committee member will respond. 3. Send a formal complaint to the State of Utah, Department of Real Estate. You can obtain a form by going to the website http://www.commerce.utah.gov/dre/complaint.html Thank you for your interest in ethical lending.

Additional Resources
These links may help you in learning more

FBI	DRE
DFI	HUD