Your Rights Are
Not Fine Print.

Lending disclosure regulations guarantee your right to understand the true cost of credit before you commit. Najem Financial provides Annual Percentage Rate (APR) disclosures on all consumer loans — expressing the total cost of borrowing as a standardized annual rate that makes comparison shopping straightforward. For mortgage applications, we provide a Loan Estimate within three business days of your application, detailing projected monthly payments, total interest costs, and closing costs in a standardized format. Before your mortgage closing, you receive a Closing Disclosure at least three business days in advance, allowing time to review and question any unexpected differences. We never charge fees that are not disclosed in advance, and our account fee schedules are published in plain language on our website and available in every branch. If you are ever charged a fee you did not expect or cannot find in your account agreement, our customer service team is obligated to investigate and resolve it, and refunds are processed without requiring legal escalation. The right to clear disclosures also covers credit card terms, deposit account terms, and electronic services agreements — all written to meet plain language standards.

Fair lending regulations prohibit discrimination in credit decisions based on race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. At Najem Financial, every credit decision is made on the basis of creditworthiness factors — income, debts, credit history, and collateral — not on any protected characteristic. Our underwriting criteria are documented, applied consistently, and subject to ongoing fair lending statistical analysis by our compliance team and independent auditors. If your credit application is denied or approved on less favorable terms than requested, you have the right to receive a written Adverse Action Notice within 30 days of our decision, explaining the specific reasons for our determination. This notice also informs you of your right to obtain a free copy of your credit report within 60 days if the decision was based on credit reporting information. You also have the right to request an explanation of any decision in person. Our fair lending training program ensures that every employee involved in credit decisions understands that discriminatory lending — intentional or through disparate impact — violates regulations and our core values, and is grounds for immediate corrective action.

Financial privacy regulations give you meaningful rights over how Najem Financial collects, uses, and shares your nonpublic personal financial information. Every year, we send you a Privacy Notice that describes our information practices in plain language. We do not sell your personal financial information to unaffiliated third parties for marketing purposes. We share information with service providers and joint marketing partners only under written agreements that require them to protect your information to the same standard we apply internally. You have the right to opt out of sharing your information with certain unaffiliated third parties — this opt-out right is permanent until you change it, and we honor opt-out elections promptly. Our internal data access controls ensure that only employees with a legitimate business need can access your account information, and all such accesses are logged and subject to audit. Our data retention policy limits the retention of personal financial data to legally required or operationally necessary periods, after which records are securely destroyed according to documented procedures. In the event of a data breach affecting your information, we will notify you in accordance with applicable law and provide you with guidance on protective steps to take.

Credit reporting regulations give you the right to dispute inaccurate or incomplete information in your credit report. If you believe Najem Financial has furnished inaccurate information to any consumer reporting agency, you may notify us in writing and we are required to investigate the dispute, review all relevant information, and correct or delete inaccurate data within 30 days (or 45 days in certain circumstances involving information you obtained from a free annual credit report). We will notify the applicable credit reporting agency of any corrections we make. You also have the right to add a 100-word statement to your credit file explaining any disputed item. You have the right to one free credit report annually from each of the major credit bureaus, and additional free reports are available if you have been denied credit, employment, or insurance based on credit information within the past 60 days. We take our data furnishing obligations seriously — our credit reporting quality assurance program reviews samples of our reported data quarterly to ensure accuracy, completeness, and consistency with our internal records.

Accessibility regulations require Najem Financial to ensure that our banking services are accessible to customers with disabilities. All of our branch locations meet physical accessibility requirements, and our digital banking platforms — website, mobile app, and ATM network — are designed to meet WCAG 2.1 AA accessibility standards. Customers who require accommodations are entitled to request them, and we provide auxiliary aids and services at no charge. Electronic fund transfer regulations govern electronic transactions and establish your rights when errors occur on your account. If you believe an unauthorized transaction or error has occurred on an account with electronic access, you must notify us within 60 days of the statement date on which the error appeared. We are required to investigate promptly — within 10 business days for most errors, or 20 business days for new accounts — and correct confirmed errors by the close of business on the next business day. For transactions meeting the zero-liability standard, provisional credit is provided within five business days while our investigation is ongoing. Your error resolution rights apply to debit card transactions, ATM withdrawals, and electronic fund transfers — providing a comprehensive safety net for digital banking activity.