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Policies, Disclaimers, Disclosures

Policies, Disclaimers & Disclosures


1st Franklin Financial Corporation Privacy Notice

View our privacy notice.

1st Franklin Financial Corporation Online Privacy Policy

View our online privacy policy.

Solutions By Text Privacy Policy

View our Solutions By Text Privacy Policy.


Home Mortgage Disclosure Act ("HMDA")

The HMDA data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

This data is available online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this Web site.

Customer Referral

Updated 6/20/18

Payable after applicant’s loan closes. Not available in connection with a loan secured by real estate. All loan terms and applicable APR’s depend on meeting our underwriting and income criteria for the loan size requested and may require collateral. Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656.

Customer Appreciation Entry Form

Updated 6/20/18

No purchase necessary to enter or win. Void where prohibited by law. Must be at least 18 years of age (19 years of age in Alabama) to enter. You may enter by completing the 1ˢᵗ Franklin Financial Corporation Official Entry Form. One entry per person. 1ˢᵗ Place Prize – One winner per 1ˢᵗ Franklin Financial branch location will be chosen by a random drawing. 1ˢᵗ Place Prize Drawings will be held at each 1ˢᵗ Franklin Financial branch location on (Date). Grand Prize – Eight winners will be chosen by a random drawing of all entrants (including any 1ˢᵗ Place Prize winners) on (Date) at the corporate headquarters in Toccoa, Georgia. You do not need to be present to win. Grand Prize not to exceed $350. 1ˢᵗ Franklin Financial Corporation employees and their families are not eligible to win. Full contest rules available below.

Full Contest Rules


No purchase necessary to enter or win. Void where prohibited by law.  Must be 18 years of age (19 years of age in Alabama) or older to participate.  You may enter by [specific contest instructions].   One entry per person.  One winner will be chosen based on [specific way in which winner is chosen].  Winner will be chosen on [date].  You do not need to present to win.  1st Franklin Financial Corporation employees and their families are not eligible to win.  Full contest rules are available below.

Full Contest Rules

Trustpilot Disclaimer

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Patriot Act Notice


The U.S. Patriot Act took effect October 1, 2003. As a result, U.S. Federal law requires us to obtain, verify, and record information that identifies each person or entity that purchases a new Security. What this means for you is that when you purchase a Senior Demand Note, Variable Rate Subordinated Debenture, or Commercial Paper, we will ask for your name, street address, date of birth, and an identification number such as a Social Security number or other identification number, that Federal law requires us to obtain. We will also ask to see a driver’s license, corporate information document (for corporate entities), or other identifying documents that will allow us to identify you or the corporate entity seeking to open the account.

Since you are purchasing a new Security with 1st Franklin, we are requesting that you provide a copy of the driver’s license or other current form or government-issued identification for each Investor listed on your Security. If this Security is purchased for a minor who does not have a driver’s license, you may send a copy of the minor’s Social Security card and birth certificate.

Thank you for working with us to comply with these identification requirements. Please call the Investment Center at 706-866-7571 or 800-282-0709, if you have any questions.