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Payment process. Complaint Summary : I submitted a secured fiduciary tender to purchase real estate ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), backed by legal Power of Attorney, UCC filings, and valid commercial tender in compliance with federal lending law ( Federal Reserve Act, TILA 15 USC 1605 ). XXXX XXXX refused to process or recognize my offer, failed to cite any legal basis for refusal, and discriminated against a non-bank settlement structure. This constitutes a violation of the Equal Credit Opportunity Act.