Publisher Status

Publisher status — not a lender, broker, or originator

30YearMortgageRates.com is an independent online publisher of mortgage-market information. The site does not, and is not authorized to:

• Take, accept, process, or transmit residential mortgage loan applications;
• Originate, offer, negotiate, broker, or arrange residential mortgage loans;
• Collect, hold, or transmit non-public personal information of prospective borrowers;
• Receive compensation in connection with the closing of any residential mortgage loan; or
• Engage in any activity that would require licensure under the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act, 12 U.S.C. §§ 5101 et seq.) or any analogous state mortgage-licensing statute.

Because the site does not engage in any of the foregoing, no Nationwide Multistate Licensing System (NMLS) license is required or held in connection with its operation, and no state mortgage license is required or held by the publisher in connection with this site.

Federal regulatory framework

Truth in Lending Act (TILA) & Regulation Z — 15 U.S.C. §§ 1601 et seq.; 12 C.F.R. Part 1026

TILA and Regulation Z govern the disclosure of credit terms in consumer credit advertising. Section 1026.24 sets the standards for advertised credit-product disclosures including APR, payment, and term triggers. Although the site does not advertise specific credit products for any lender, every rate figure is presented with the APR-inclusive index average, the loan type, the as-of date, the data sample size, and a link to the methodology used. The site does not use payment-, term-, or down-payment "triggering" claims that would invoke the additional disclosures required under § 1026.24(d). No "teaser" rate is shown; index figures are honest aggregates of publicly posted lender rates.

Mortgage Acts and Practices — Regulation N (MAP) — 12 C.F.R. Part 1014

Regulation N prohibits any material misrepresentation, expressly or by implication, in any commercial communication regarding any term of a mortgage credit product. The site’s index methodology, data sources, sample sizes, and date stamps are disclosed openly so a reader can independently evaluate the figures. No representation is made about availability, rate accuracy for a specific borrower, term guarantees, comparison to other publishers, or governmental endorsement. Corrections to material errors are published openly with a dated note on the affected page.

Real Estate Settlement Procedures Act (RESPA) Section 8 — 12 U.S.C. § 2607; 12 C.F.R. Part 1024

RESPA Section 8 prohibits giving or accepting any fee, kickback, or thing of value pursuant to an agreement or understanding for the referral of settlement-service business in connection with a federally related mortgage loan. The site does not give, accept, request, or pay any such fee, kickback, or thing of value. No lender, broker, title company, appraiser, real-estate agent, or other settlement-service provider pays for inclusion in the index, ranking, placement, favorable coverage, or referral. The index is a journalistic aggregation, not a referral mechanism.

Equal Credit Opportunity Act (ECOA) & Regulation B — 15 U.S.C. § 1691 et seq.; 12 C.F.R. Part 1002

ECOA and Regulation B prohibit credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age (with the capacity exception), receipt of public assistance income, or the good-faith exercise of any right under the Consumer Credit Protection Act. The site does not extend credit and does not collect information used to make any credit decision. No content on the site discriminates or has the effect of discouraging any protected applicant from seeking credit on any protected basis.

Fair Housing Act (FHA) — 42 U.S.C. §§ 3601 et seq.; 24 C.F.R. Part 100

The Fair Housing Act prohibits discrimination in the sale, rental, or financing of housing on the basis of race, color, religion, sex, handicap, familial status, or national origin. The site supports and operates in accordance with the Fair Housing Act, displays the Equal Housing Opportunity mark, and does not publish content that has the purpose or effect of discriminating against any protected class. ⌂ Equal Housing Opportunity.

Fair Credit Reporting Act (FCRA) — 15 U.S.C. §§ 1681 et seq.

The site does not request, collect, transmit, store, use, or share any consumer report or any consumer-report-equivalent information. The site is not a consumer reporting agency under FCRA and does not perform any function that would make it a user or furnisher of consumer-report data.

Gramm-Leach-Bliley Act (GLBA) Privacy & Safeguards — 15 U.S.C. §§ 6801 et seq.; 12 C.F.R. Part 1016 (Reg P)

The site is not a financial institution under GLBA because it does not engage in financial activities enumerated in section 4(k) of the Bank Holding Company Act. Even so, the site treats any visitor data it does collect (general analytics, contact-form submissions if any) with the confidentiality principles underlying GLBA: minimal collection, no sale of personal data, secure handling, and clear disclosure. See the privacy policy section below.

FTC Act Section 5 — Unfair or Deceptive Acts or Practices — 15 U.S.C. § 45

FTC Section 5 prohibits unfair or deceptive acts or practices in or affecting commerce. The site operates under FTC Section 5: all rate figures are aggregates of publicly posted lender rates with disclosed methodology; no claim is made that is likely to mislead a reasonable consumer; no material fact is omitted that would change a reader’s evaluation of the data.

FTC Endorsement Guides — 16 C.F.R. Part 255

The site does not currently publish reviews, testimonials, or endorsements of any lender or settlement-service provider. If endorsement content is added in the future, all material connections will be disclosed conspicuously and in proximity to the endorsement, consistent with the FTC’s 2023 revised Endorsement Guides.

FTC Consumer Reviews and Testimonials Rule — 16 C.F.R. Part 465

If reviews or testimonials are added to the site, they will be compliant with the FTC’s Consumer Reviews and Testimonials Rule (effective October 21, 2024): no fake reviews, no purchased positive reviews, no insider reviews without disclosure, no review suppression, and no review manipulation.

CAN-SPAM Act — 15 U.S.C. §§ 7701 et seq.; 16 C.F.R. Part 316

The site does not currently send commercial electronic mail messages. Any future commercial email will identify the sender, include a valid postal address, refrain from deceptive subject lines and headers, provide a working unsubscribe mechanism, and honor opt-out requests within ten business days.

Telephone Consumer Protection Act (TCPA) — 47 U.S.C. § 227; 47 C.F.R. § 64.1200

The site does not conduct telemarketing, robocalls, or commercial SMS messaging and is not associated with any such activity. Any future voice or SMS contact would obtain the prior express written consent required by the TCPA where applicable.

Children’s Online Privacy Protection Act (COPPA) — 15 U.S.C. §§ 6501 et seq.; 16 C.F.R. Part 312

The site is directed to adult financial decision-makers and not to children under 13. No personal information is knowingly collected from anyone under 13. If a parent or guardian believes information has been collected from a child, contact the publisher and the data will be deleted promptly.

Americans with Disabilities Act (ADA) Title III & WCAG 2.1 Level AA

The site is designed and maintained against the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA as the practical baseline for ADA Title III public-accommodation compliance. Reported accessibility barriers will be cured within a reasonable period; accessibility questions and barrier reports can be submitted through the contact channel below.

Digital Millennium Copyright Act (DMCA) — 17 U.S.C. § 512

All editorial content on this site is original and is © 30YearMortgageRates.com. Rate data is compiled from publicly posted lender pages under fair-use and database-compilation principles. Copyright owners who believe their work has been infringed may send a DMCA takedown notice (containing the elements required by 17 U.S.C. § 512(c)(3)) to the publisher contact below.

SAFE Act — 12 U.S.C. §§ 5101 et seq.

The federal SAFE Act and the implementing state mortgage-licensing statutes require any individual who, for compensation or gain, takes a residential mortgage loan application or offers or negotiates the terms of a residential mortgage loan to be licensed as a Mortgage Loan Originator (MLO) and registered in NMLS. This site does not engage in either activity. No SAFE Act licensure is required or held in connection with the operation of this site.

State mortgage regulator posture — all 50 states + DC

Because the site is not a lender, broker, or originator under any state law, it is not subject to state mortgage-licensing or mortgage-advertising disclosure rules in any U.S. jurisdiction. The table below identifies the mortgage-regulator agency and the principal controlling statute for each U.S. state and the District of Columbia, and confirms the site’s structural posture under each. Statute references identify the controlling chapter; specific section numbers may shift on legislative renumbering and counsel should verify currency at the time of any inquiry.

The structural posture is identical across all jurisdictions: 30YearMortgageRates.com does not engage in any activity that triggers mortgage licensure under any U.S. state law. The publisher invites inquiries from any state regulator and will respond promptly through the compliance contact channel.

State Unfair / Deceptive Acts & Practices (UDAP) statutes

Every U.S. state and the District of Columbia has a "UDAP" (Unfair and Deceptive Acts and Practices) consumer-protection statute prohibiting misrepresentations to consumers and reserving enforcement to the state attorney general or designated consumer-protection office. The site is structured to comply with every such state UDAP statute by the same federal-grade truth-in-advertising posture described above: honest aggregate data, disclosed methodology, no material misrepresentations, no concealment of fact, no bait-and-switch, no false comparison. Representative state UDAP statutes include California’s Consumers Legal Remedies Act (Cal. Civ. Code §§ 1750 et seq.) and Unfair Competition Law (Cal. Bus. & Prof. Code § 17200), New York General Business Law §§ 349 & 350, Massachusetts Ch. 93A, Florida Deceptive and Unfair Trade Practices Act (FDUTPA, Fla. Stat. Ch. 501, Pt. II), Texas Deceptive Trade Practices — Consumer Protection Act (Tex. Bus. & Com. Code Ch. 17, Subch. E), Illinois Consumer Fraud and Deceptive Business Practices Act (815 ILCS 505/), Pennsylvania Unfair Trade Practices and Consumer Protection Law (73 P.S. §§ 201-1 et seq.), and analogous statutes in every other jurisdiction. The site’s posture under each is the same: the data is honest and the methodology is open.

State data-breach notification

All 50 states and the District of Columbia (plus Puerto Rico, the U.S. Virgin Islands, and Guam) have data-breach notification laws requiring written notice to affected residents and, in many jurisdictions, to the state attorney general and/or regulators within a defined window after discovery of a security incident. The site collects no Social Security numbers, account numbers, drivers’ license numbers, health information, or other categories of personal data that customarily trigger breach-notice obligations. In the event of any security incident potentially affecting any visitor data we do hold, notice will be provided in accordance with the strictest applicable state breach-notification statute (currently California Civ. Code § 1798.82, the longest-standing baseline) and any other jurisdiction whose residents may be affected.

Fair Credit Reporting Act amendments — FACTA

The Fair and Accurate Credit Transactions Act (FACTA) amended FCRA in 2003 and added the Red Flags Rule, the Disposal Rule, the Risk-Based Pricing Rule, and identity-theft provisions. The site does not obtain, use, furnish, or dispose of any consumer report and is not a "user," "furnisher," or "creditor" under FCRA/FACTA. The Disposal Rule (16 C.F.R. Part 682) would not be triggered because no consumer reports or information derived from them are held by the publisher.

Section 230 of the Communications Decency Act

To the extent any user-generated content (comments, reviews, contributed text) is permitted on the site, the publisher is protected by Section 230 of the Communications Decency Act (47 U.S.C. § 230) as an interactive computer service provider for third-party content. Editorial content authored by the publisher itself is not Section 230-protected and is presented under the publisher’s own representation of accuracy, with the editorial standards and corrections policy described above.

First Amendment & anti-SLAPP framework

Publication of true and accurate mortgage-market information — including aggregate rate averages, data analyses, and methodology-disclosed indices — is protected speech under the First Amendment. Where applicable, the publisher may invoke state anti-SLAPP statutes (e.g., California’s C.C.P. § 425.16, Texas TCPA Tex. Civ. Prac. & Rem. Code Ch. 27, and similar provisions in approximately 35 states and D.C.) in response to any legal action that targets protected publishing activity. Nothing in the foregoing should be read to invite or encourage litigation; the publisher remains responsive to legitimate corrections and inquiries.

State privacy laws

The site honors privacy-rights requests under every state consumer-privacy law that grants such rights to its residents, including but not limited to:

• California — CCPA / CPRA (Cal. Civ. Code §§ 1798.100 et seq.)
• Virginia — VCDPA (Va. Code §§ 59.1-575 et seq.)
• Colorado — CPA (Colo. Rev. Stat. §§ 6-1-1301 et seq.)
• Connecticut — CTDPA (Conn. Gen. Stat. §§ 42-515 et seq.)
• Utah — UCPA (Utah Code §§ 13-61-101 et seq.)
• Texas — TDPSA (Tex. Bus. & Com. Code §§ 541.001 et seq.)
• Oregon — OCPA
• Montana — MCDPA
• Iowa — ICDPA
• Tennessee — TIPA
• Indiana, Delaware, New Hampshire, New Jersey, Maryland, Minnesota, Kentucky, Rhode Island — emerging state privacy laws as they take effect

Residents of these states (and any other state granting privacy rights) may request a copy of the personal information collected about them, request deletion of that information, opt out of any sale or sharing of personal information (the site does not sell or share personal information for cross-context behavioral advertising), and exercise any other right granted by their state’s law. Submit rights-requests through the contact channel below.

International — GDPR / UK GDPR

EU and UK visitors are afforded the rights granted by the General Data Protection Regulation (Regulation (EU) 2016/679) and the UK GDPR. The site’s lawful basis for processing visitor data is legitimate interest in operating a publication. Rights-requests can be submitted through the contact channel below and will be honored within the statutory response window.

Privacy policy summary

What we collect: General-audience analytics (page views, device type, geographic region by IP at country/state granularity, referrer), and any voluntary contact-form submissions. We do not collect Social Security numbers, dates of birth, credit reports, account numbers, income information, or any other information used to underwrite a loan.

What we do not do: We do not sell personal information. We do not share personal information with data brokers. We do not engage in cross-context behavioral advertising. We do not run third-party advertising tracking on this site.

How long we keep it: Analytics data is retained in aggregated form for ranking-trend analysis. Contact-form submissions are retained only as long as needed to respond and then deleted.

Editorial standards & corrections

No lender, broker, or third party has editorial control over the content of this site. The index is calculated according to the published methodology and any deviation is disclosed openly. Material errors are corrected publicly with a dated correction note on the affected page. The corrections log is maintained in good faith and is open to public scrutiny.

Contact — regulatory inquiries, accessibility, copyright, privacy

For regulatory inquiries (federal or state), accessibility barriers, DMCA takedown notices, privacy rights requests under any state or international law, or any other compliance matter, contact the publisher in writing. The site maintains a designated compliance contact and will respond within the statutory response window applicable to each request type.

[Compliance contact channel — mailing address and email to be added after counsel review. Until then, regulatory inquiries should reach the publisher through the corrections channel on the methodology page.]

Legal disclaimer

The information on this site, including all rate figures and analyses, is provided for informational purposes only. It is not legal, financial, tax, or accounting advice. Always consult a licensed professional before making any financial decision. Past published averages are not predictive of future rates. The publisher disclaims any liability for reliance on the information presented to the maximum extent permitted by applicable law.