On January 19, 2016, the United States filed a complaint alleging violations of the Fair Housing Act and the Equal Credit Opportunity Act, and a consent order in United States v. Evolve Bank & Trust (W.D. Tenn.). The complaint alleges that the bank engaged in a pattern or practice of discriminating on the basis of disability and receipt of public assistance by requiring mortgage loan applicants who had disability income to provide a letter from a doctor to show that their income would continue. The consent order provides for $86,000 to compensate 50 affected borrowers, requires the bank to issue new policies and train its employees, and includes standard injunctive relief. The court entered the consent order on Janurary 21, 2016.