Sales Rep Request Form

As a Sales Representative offering our loan products, you are expected to comply with the following federal regulations:

Equal Credit Opportunity Act (ECOA) – Regulation B
Fair Lending
Regulation P and The Gramm-Leach Bliley Act
Unfair, Deceptive and Abusive Acts and Practices (UDAAP)

To be compliant, you are required to follow these provided guidelines each time you offer ECG loan products to your customers.

Do not prejudge. Allow each of your customers the opportunity to finance and do not make any assumptions based on your perceptions of the customer.
Do not discuss specific terms of the loan. If your customer has specific loan questions, advise them to talk to Enium.
Do not send the customer’s loan documents to your own email address.
Protect your customer’s privacy.
Do not disclose private information or credit decisions to anyone.
Do not allow others to use your contractor ID number.
Do not engage in elder abuse or other discriminatory practices.
Do not itemize dealer fees on your invoice.
To be compliant with the Truth-in-Lending Act, you are not permitted to charge a price higher than the cash price for a project that includes Enium financing (no cash discounts).

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