Kovo Credit Fair Lending Statement

Last updated: October 1, 2026

Our commitment

Kovo Credit is committed to providing equal access to credit-building and personal-loan opportunities to every eligible U.S. consumer, without discrimination. This commitment reflects both our values and our obligations under federal law.

Equal Credit Opportunity Act (ECOA)

The Federal Equal Credit Opportunity Act (15 U.S.C. §1691 et seq.) and its implementing regulation, Regulation B, prohibit creditors from discriminating against credit applicants on the basis of:

• Race or color
• Religion
• National origin
• Sex (including sexual orientation and gender identity)
• Marital status
• Age (provided the applicant is of legal age to contract)
• Because all or part of the applicant's income derives from any public assistance program
• Because the applicant has in good faith exercised any right under the Consumer Credit Protection Act

Kovo Credit's practices

Kovo Credit's underwriting and partner-matching logic consider only legally permissible factors — income, employment history, state of residence, debt-to-income ratio, and credit profile. Our systems do not use any prohibited characteristic as an input.

Partner lenders

Kovo Credit partner lenders operate under their own ECOA, Fair Housing Act, and state fair-lending obligations. We vet partner lenders for fair-lending compliance before adding them to the network.

Adverse action notices

If a Kovo Credit partner lender declines your application, you'll receive an adverse action notice explaining the specific reasons, as required by ECOA. If a credit report was used in the decision, you'll also receive the contact information for the credit reporting agency that supplied it, along with information about your right to a free copy and your right to dispute inaccuracies.

How to report lending discrimination

If you believe you've experienced discrimination related to a Kovo Credit product or a partner lender, you have several options:

• Contact Kovo Credit: Reach us through our contact page. We investigate every complaint.
• Consumer Financial Protection Bureau (CFPB): File a complaint at consumerfinance.gov/complaint or call 1-855-411-2372.
• Federal Trade Commission: Report at reportfraud.ftc.gov.
• U.S. Department of Justice Civil Rights Division: File through justice.gov/crt.

State fair-lending laws

Many states have additional fair-lending protections. Your state Attorney General's consumer-protection office can advise on state-specific rights.

Credit education access

Kovo Credit's financial education library is free to everyone, member or not. Equal access to information is foundational to equal access to credit.

Credit should be judged on your ability to repay, not on who you are. That principle is in federal law and it's in our product.