On September 28, 2016, the United States filed a complaint and consent order in United States v. Charter Bank (S.D. Tex.). The complaint alleges that from 2009 to 2014, the bank discriminated on the basis of national origin in the pricing of vehicle-secured consumer loans to Hispanic consumers, in violation of the Equal Credit and Opportunity Act (ECOA). A vehicle-secured loan allows a customer to borrow from the bank by tapping the equity in a car the customer already owns. The consent order requires the bank to maintain uniform pricing policies and procedures, monitor its loans for potential disparities based on national origin, and provide fair lending training to its employees. The bank will also pay $165,820 to affected borrowers. This matter was referred by the FDIC. The court entered the consent order on October 12, 2016.