Publisher Status

30YearMortgageRates.com is an independent publisher of mortgage-market information.
It is not a mortgage lender, broker, bank, depository institution, or loan originator under the SAFE
Act (12 U.S.C. §§ 5101 et seq.) or any state mortgage licensing law. The site does not take
applications, does not originate, offer, arrange, broker, or negotiate loans, does not collect
non-public personal information from prospective borrowers, and is not a party to any lending
transaction. No NMLS license is required or held in connection with the operation of this site.

Truth in Advertising — TILA / Regulation Z

In accordance with the Truth in Lending Act and Regulation Z (12 C.F.R. Part 1026, esp.
§ 1026.24), all rate figures published here are presented as APR-inclusive index averages with
clear identification of the underlying loan type, the as-of date, the data sample size, and the
averaging methodology. No “teaser” rates are presented. No payment, term, or down-payment claim is
made without the disclosures Reg Z requires of an advertised credit transaction. The site does not
advertise specific credit products for lenders.

Anti-Deception — Reg N (MAP) & FTC Section 5

In accordance with the Mortgage Acts and Practices Rule (Regulation N, 12 C.F.R. Part
1014) and FTC Section 5 (15 U.S.C. § 45), no representation made on this site about mortgage
rates, terms, costs, or availability is intended to be material, misleading, or omits material fact.
Methodology, data sources, sample sizes, and date stamps are disclosed on every index page so a
reader can evaluate the figures.

RESPA Section 8 — No Kickbacks, No Paid Placement

In accordance with Section 8 of the Real Estate Settlement Procedures Act (12 U.S.C.
§ 2607), this site does not give, accept, request, or pay any fee, kickback, or thing of value
in exchange for the referral of settlement-service business. No lender, broker, title company,
appraiser, or other settlement-service provider pays for inclusion, placement, ranking, or favorable
coverage on this site.

Fair Housing & Equal Credit — FHA / ECOA / Reg B

In accordance with the Fair Housing Act (42 U.S.C. §§ 3601 et seq.), the Equal
Credit Opportunity Act (15 U.S.C. § 1691 et seq.), and Regulation B (12 C.F.R. Part 1002), no
content on this site discriminates or has the effect of discriminating against any person on the
basis of race, color, religion, sex, handicap, familial status, national origin, age (with respect
to ECOA capacity), marital status, receipt of public assistance, or the good-faith exercise of any
right under the Consumer Credit Protection Act. ⌂ Equal Housing Opportunity.

Privacy — GLBA / CCPA & State Privacy Laws

The site does not collect non-public personal information of the type subject to the
Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801 et seq.) and Regulation P. To the extent the site
collects general-audience analytics information, California (CCPA/CPRA), Virginia (VCDPA), Colorado
(CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), and other state-privacy-law requests are
honored. EU/UK visitors are afforded GDPR/UK-GDPR rights. The full privacy policy and rights-request
contact are on the Compliance page.

No Government Affiliation

30YearMortgageRates.com is a private, independently operated publication. It is not
affiliated with, endorsed by, sponsored by, licensed by, or authorized by the U.S. Department of
Housing & Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department
of Veterans Affairs (VA), the U.S. Department of Agriculture (USDA), Fannie Mae, Freddie Mac, Ginnie
Mae, the Federal Reserve, the Consumer Financial Protection Bureau (CFPB), the Federal Deposit
Insurance Corporation (FDIC), or any other federal, state, or local government agency.

Email & Outbound Communications — CAN-SPAM & TCPA

The site does not currently send commercial electronic messages. Any future email
communications will comply with the CAN-SPAM Act (15 U.S.C. §§ 7701 et seq.) — identifying
sender, providing a working unsubscribe, and honoring opt-outs within ten business days — and
the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) for any voice or SMS contact.
No commercial calling or texting is conducted from this site.

Accessibility — ADA Title III / WCAG 2.1 AA

The site is designed and maintained against the Web Content Accessibility Guidelines
(WCAG) 2.1 Level AA as the practical standard for ADA Title III public-accommodation compliance.
Accessibility issues or barriers can be reported via the contact channel on the Compliance page;
the site commits to a reasonable cure period for any reported barrier.

Copyright & DMCA

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. The site maintains a DMCA notice-and-takedown channel (17 U.S.C. § 512) for any
valid copyright complaint — full contact and procedure on the Compliance page.

State Mortgage Advertising Posture

Because this site is not a lender, broker, or originator under any state law, it is
not subject to state mortgage-advertising licensing or rate-disclosure rules (e.g., New York Banking
Law Article 12-D and 3 NYCRR Part 419, California DFPI / CFL / CRMLA, Texas Finance Code Chs. 156-159,
Florida OFR / Ch. 494, Illinois RMLA, Pennsylvania MLA). The site nevertheless presents rate data in
formats consistent with each state’s borrower-facing disclosure expectations. Per-state notices and
regulator contact addresses are on the Compliance page.

Editorial Independence & Corrections

No lender, broker, or third party has editorial control over content. Index calculations
follow the published methodology; material errors are corrected publicly with a dated correction note
on the affected page. The site accepts no payment in exchange for index inclusion, ranking, placement,
or favorable editorial coverage. The corrections log is on the Compliance page.

Verify Before Relying

Always verify any rate, term, fee, or cost figure directly with a licensed lender before
relying on it for any financial decision. Past published averages are not predictive of future rates.
Mortgage rates change throughout the business day; figures here reflect publicly posted rates as of
the date stamped on each page.