Help settle a debate here at our institution.

Our bank name is the name of our city Federal Savings and Loan Association and our tag line is Checking Home Loan Savings

On our ads we have our logo which is our bank name with that tag line below the logo.

The debate that has started internally is whether or not all ads need to include the Equal Housing logo as our tag line says Home Loan.

For example, an ad is general in nature "come bank with us" logo, tag line. Marketing believes Equal Housing is required as we have the word Loan in our bank name and the tag line.

I am the opposite. Yes Loan is in our name but the ad is not for the purpose of purchasing, constructing, improving, or repairing, or maintaining a dwelling or any loan by a dwelling.

Here is the debate we need settled. Always include Equal Housing ON EVERYTHING due to our name/log or only when the ad meets the definition of an ad under 338.3

There is usually room for both FDIC and EHL logos in an ad--just do it every time.

We normally do but this particular ad does not have enough room to allow the EHL to be legible. Currently the logo is on the ad but not legible which in my opinion is worse. If we do not need it in the ad we are looking if we can leave it off.

City Federal Savings and Loan Association - Checking Home Loan Savings.

I guess I don't understand how this is not advertising your FI offers checking accounts, home loans and savings account.

The ad in question is

Congratulations Graduating Class of 2024

Logo (abbreviated City Name Fed Savings)
Tag Line (Checking . Home Loans . Deposit)
FDIC Logo / Equal Housing logo

The Equal Housing House/words is not legible due to the size of the ad. I asked for it to be increased if possible.

If we left the tag line off would the Bank Name still require the use of Equal Housing logo on ALL ads? City Federal Savings and Loan Association? This has not been clear since our Name is Savings and Loan will all ads REQUIRE FDIC and Equal Housing regardless of the content of the ad? We include FDIC and Equal Housing on 100% of our ads due to our bank name but sometimes Equal Housing is not legible depending on space. Not all ads have the tag line but they do all have the bank name.

Your bank's name does not trigger the EH logo requirement. That logo is required on any ad for housing-related loans (mortgages, Home Equity Loans and HELOCs, for example), whether they are consumer or commercial purpose loans.