Regulatory & Legal Disclosures

Compliance, Transparency, and Trust

At Helios Trust Bank, we are committed to operating with integrity and full compliance with all applicable banking and consumer protection laws. Below are our key regulatory disclosures to keep you informed and protected.

FDIC Insurance

Helios Trust Bank is a Member FDIC.

Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
FDIC insurance protects your money in the unlikely event of a bank failure.
👉 Learn more at www.fdic.gov.

Equal Housing Lender

Helios Trust Bank is proud to be an Equal Housing Lender.

We comply fully with the Fair Housing Act and the Equal Credit Opportunity Act (ECOA).
We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in housing-related lending decisions.
🏠 Look for the Equal Housing Lender logo on all our mortgage and home loan materials.

Fair Lending Practices

We follow strict fair lending policies to ensure every applicant is treated fairly and consistently. Loan decisions are based only on creditworthiness, income, and other lawful factors.

Privacy & Data Protection

Your financial privacy is protected under federal and state laws.

We follow the Gramm-Leach-Bliley Act (GLBA) and related privacy regulations.
Your personal data is never sold to third parties.
👉 Read our full [Privacy Policy] for details.

USA PATRIOT Act Notice

To help the government fight 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.

When you open an account, we will ask for your name, address, date of birth, and other identifying information.
We may also request supporting documents such as a driver’s license or other ID.

Electronic Communications Disclosure (E-Sign Act)

By opting in to receive disclosures electronically, you agree to accept legally required documents in digital form. You may withdraw consent at any time by contacting us.

Accessibility Statement

Helios Trust Bank is committed to providing equal access to our services for all individuals, including those with disabilities, in compliance with the Americans with Disabilities Act (ADA).

Additional Disclosures

Truth in Savings Act (TISA) – Clear disclosure of account terms and interest rates.
Truth in Lending Act (TILA) – Transparency in loan and credit terms.
Fair Credit Reporting Act (FCRA) – Protecting your credit information.
Community Reinvestment Act (CRA) – Commitment to meeting the credit needs of our communities.

📌 For questions about these disclosures, please contact:
📧 [email protected] | ☎️ +1 548-457-9847

Head Office: W 153rd St, New York, NY 10039
Tax Identification Number: 39-4000137
Phone: ‪+1 (548) 457-9847

With robust data protection, personalized service, and a commitment to transparency, Helios Trust Bank is more than just a bank — we’re a financial partner you can rely on.