Fair Housing & Equal Credit Opportunity Policy

Our Commitment

ICONYCS is committed to full compliance with the Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, or any other class protected by federal or state law.

The ICONYCS platform provides access to aggregated, publicly available housing and demographic data for analytical, research, and compliance purposes only. No data provided through this platform is intended to be used, nor should it be used, as a basis for any lending, underwriting, or credit decision.

Data Sourcing & Purpose

All demographic data displayed within ICONYCS -- including race/ethnicity distributions, income estimates, and tenure (owner/renter) breakdowns -- is sourced exclusively from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates, 2023. This data reflects area-level estimates aggregated at the census-tract level across 84,400+ tracts nationwide. It is not individual-level data and does not identify specific persons.

Property records are sourced from Infutor Data Solutions. No Infutor individual-level data is modified, re-identified, or combined with census demographics in any manner that would identify specific individuals. All joins between property and census data are performed at the census-tract level only.

Permitted Uses

ICONYCS data is intended for the following lawful purposes:

• Fair lending analysis and HMDA/CRA compliance reporting
• Market research and community development planning
• Academic, policy, and housing advocacy research
• Capital markets due diligence and geographic portfolio analysis
• Identifying underserved markets for targeted outreach programs
• Real estate investment and origination strategy (area-level only)

Prohibited Uses

The following uses of ICONYCS data are expressly prohibited and constitute a violation of these Terms of Service and applicable federal law:

• Using demographic or racial composition data to deny, limit, or condition credit or housing
• Redlining or reverse-redlining practices based on neighborhood demographics
• Steering applicants toward or away from specific neighborhoods based on race or ethnicity
• Using this data as a factor in any individual lending, underwriting, or pricing decision
• Any use that violates the Fair Housing Act, ECOA, or applicable state fair lending laws

User Responsibility

By accessing demographic data through the ICONYCS platform, users agree to use such data only in compliance with all applicable federal, state, and local fair lending and fair housing laws. Users are solely responsible for ensuring that their use of ICONYCS data complies with all regulatory requirements applicable to their business. ICONYCS assumes no liability for downstream misuse of data by platform users.

Contact & Opt-Out

If you have questions about this policy, believe your data has been misused, or wish to request removal of any data you believe to be inaccurate, please contact us:

To file a fair housing complaint, contact the U.S. Department of Housing and Urban Development (HUD) at hud.gov or call 1-800-669-9777.