USA Patriot Act – Section 326 Customer Identification Program Notice
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents
Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (consumerfinance.gov/hmda).
To request a copy of the statement, contact us at:
Attn: HMDA Statement Requests
The Adirondack Trust Company
Saratoga Springs, NY 12866
Or to review this information, visit the Federal Financial Institutions Examination Council (FFIEC) website at: https://www.ffiec.gov/hmdaadwebreport/diswelcome.aspx. Once you arrive at the FFIEC website, you’ll need to enter the year you wish to review and the Respondent ID or Institution Name.
For Institution Name, key in: Adirondack
TC Charter Number (Respondent ID): 645317
Consumer mortgage loan borrowers will be able to receive periodic statements with additional information under New York Part 419 on or shortly after August 14th, 2020.