HSBC Credit Center holds itself accountable to strict internal corporate policies and procedures. These internal policies and controls are consistently aimed at ensuring consumers and partners are treated fairly and ethically.

• Legal compliance and internal policy and procedure compliance control requirements are support by management due diligence, technology and infrastructure.
• Centralized control of key operation functions include underwriting, loan pricing and collections, credit risk management and reporting, records administration, document certification and systems control of product parameters.
• Each functional area employs a comprehensive regimen of audit, due diligence and management monitoring routines.

HSBC Credit Center complies with all applicable federal, state and local statutes including, but not limited to:

• The Equal Credit Opportunity Act
• The Fair Housing Act
• The Fair Credit Reporting Act
• The Truth-in-Lending Act
• The Real Estate Settlement Procedures Act
• The Telephone Consumer Protection Act
• The Fair Debt Collection Practices Act
• The Home Ownership and Equity Protection Act (HOEPA)
• The Graham Leach Bliley Act and applicable state laws regarding privacy