Filed Date: June 17, 2011
Closed Date: 2014
Clearinghouse coding complete
On June 17, 2011, the United States filed a lawsuit in the United States District Court for the Western District of Texas, under the Equal Credit Opportunity Act, 15 U.S.C. §§1691-1691f ("ECOA") against the Nixon State Bank. The Nixon State Bank is a community-based bank in Nixon, Texas that offers a range of loan products, including mortgage loans, consumer loans, commercial loans, and agriculture loans. The U.S. alleged that in making these loans, the bank exhibited a pattern or practice of anti-Hispanic discrimination, providing loans to Hispanics at higher rates than to non-Hispanics, without justification.
Settlement negotiations preceded the filing of the complaint, and on June 21, 2011, the District Court (Judge Fred Biery) approved a consent order, under which the defendant agreed to develop and establish uniform pricing policies and procedures designed to ensure nondiscriminatory pricing, and to numerous other implementation provisions, including fair credit training, systemic monitoring, complaint resolution processes, and $91,000 in damages to aggrieved persons. The provisions of the order were scheduled to last 4 and 1/4 years.
Summary Authors
Clearinghouse (10/20/2012)
Biery, Samuel Frederick Jr. (Texas)
Perez, Thomas E. (District of Columbia)
Rosenbaum, Steven H. (District of Columbia)
Seward, Jon M. (District of Columbia)
Delionado, John (Florida)
Biery, Samuel Frederick Jr. (Texas)
Last updated March 30, 2024, 3:09 a.m.
State / Territory: Texas
Case Type(s):
Fair Housing/Lending/Insurance
Special Collection(s):
Key Dates
Filing Date: June 17, 2011
Closing Date: 2014
Case Ongoing: No reason to think so
Plaintiffs
Plaintiff Description:
United States Department of Justice
Plaintiff Type(s):
U.S. Dept of Justice plaintiff
Attorney Organizations:
U.S. Dept. of Justice Civil Rights Division
Public Interest Lawyer: Yes
Filed Pro Se: No
Class Action Sought: No
Class Action Outcome: Not sought
Defendants
Nixon State Bank (Nixon), Private Entity/Person
Defendant Type(s):
Case Details
Causes of Action:
Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691
Available Documents:
Injunctive (or Injunctive-like) Relief
Outcome
Prevailing Party: Plaintiff
Nature of Relief:
Injunction / Injunctive-like Settlement
Source of Relief:
Form of Settlement:
Court Approved Settlement or Consent Decree
Order Duration: 2011 - 2015
Content of Injunction:
Develop anti-discrimination policy
Provide antidiscrimination training
Implement complaint/dispute resolution process
Issues
General:
Discrimination-area:
Discrimination-basis:
National origin discrimination
National Origin/Ethnicity: