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Equal Housing Lender Disclosure

Grand Marais State Bank is a licensed Equal Housing Lender.
For questions about our legal policies please contact us.
NMLS#768540

Equal Housing Lender Disclosure Overview

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

Deny a loan for the purpose of purchasing, constructing, improving repairing, or maintaining a dwelling, or deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410,
For processing under the Federal Fair Housing Act
and to:
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
For processing under Federal Reserve Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age;
Because income is from public assistance; or
Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480

Important Update for Prior CenBank Customers: Due to the merger with Grand Marais State Bank, our routing number has changed effective 02/09/2026. - New Routing Number: 091213314 - Please update your direct deposits and automatic payments to avoid delays.

You will be able to use your CenBank checks until 12/31/2026

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