Fair Money & Economic Opportunity

Fulton Financial Corporation's inclusion lending, including $220 million in mortgage loans to low- to moderate-income buyers and $135 million in Small Business Administration loan originations (2023-2024), along with $5.3 million in Affordable Housing Program loans and $16.3 million in Community Lenders loans, totals $376.6 million.

This represents approximately 1.76% of its $21.4 billion total loan portfolio as of December 31, 2023. The company received an "Outstanding" rating in its 2024 Community Reinvestment Act (CRA) performance evaluation by the Office of the Comptroller of the Currency, and a four-year review by the U.S. Department of Justice into fair lending practices concluded with no enforcement action. In 2024, the company made $303 million in community development investments. It also contributed $6.5 million to the Fulton Forward Foundation as part of $11.7 million in charitable donations from 2023-2024. The company offers financial literacy programs, including a partnership with Greenlight for a debit card for kids and teens, and a partnership with Harrisburg Area Community College. Fulton Bank operates more than 200 financial centers across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia.

Fair Trade & Ethical Sourcing

Fulton Financial Corporation reported no substantiated forced or child labor incidents.

The company emphasizes ethical standards for suppliers through its Supplier Code of Conduct. In 2023, the company directed $3.68 million to diverse suppliers, which represents approximately 12% of its procurement budget.

Honest & Fair Business

Fulton Financial Corporation has a formal whistleblower protection policy, including a 24/7 anonymous EthicsPoint hotline operated by an independent company.

The policy explicitly prohibits retaliation against individuals who report concerns in good faith and protects employees reporting violations to governmental agencies without prior authorization. The company has a Code of Conduct that outlines ethical standards and compliance with anti-corruption laws, including the Foreign Corrupt Practices Act (FCPA) and the Bank Bribery Law. It states that the company spent years developing strong financial controls to identify and resolve potential risks early. However, while an FCPA-compliant policy is in place, the evidence does not detail the frequency or effectiveness metrics of its training. The company uses EthicsPoint for incident management and whistleblower hotline intake, and is subject to periodic internal and external audits. However, the extent of independent verification of ethical claims beyond these general statements is not specified.

Kind to Animals

Fulton Financial Corporation is a financial services company. The provided articles, including its 2024 Corporate Social Responsibility reports, focus on financial and community investment activities, such as $303 million in community development investments and $11.7 million in charitable donations.

The reports explicitly state they do not cover animal welfare or related metrics. As a service-oriented company, Fulton Financial Corporation does not engage in activities such as product manufacturing, animal testing, animal agriculture, or sourcing of animal-derived ingredients. Therefore, all KPIs related to 'Kind to Animals' are not applicable to its core business model, and no relevant data was found in the provided evidence.

No War, No Weapons

Fulton Financial Corporation is a financial holding company whose core business involves banking products, loans, and investment management services. The provided articles, including the 2024 Corporate Social Responsibility Report, explicitly state that no specific data is available regarding arms contracts, dual-use technology, sales to embargoed regimes, peacebuilding investment, conflict divestment, board oversight of defense, export certifications, lobbying against arms control, humanitarian procurement compliance, human rights due diligence, Arms Trade Treaty compliance, AI military safeguards, UNGP alignment, dual-use screening, surveillance transparency, ethical red lines, zero exposure to controversial weapons, war risk audits, annual conflict partner reviews, defense divestment percentages, conflict mineral percentages, peace tech investment ratios, or conflict zone procurement percentages.

The company's involvement with the military is limited to employer support for National Guard and Reserve members, for which it received the 2024 Secretary of Defense Employer Support Freedom Award. This support includes differential pay and benefit maintenance for deployed service members, and is distinct from defense-related business activities.

Planet-Friendly Business

Fulton Financial Corporation reported a waste diversion rate of approximately 19.72% for 2024, with 44,063 lbs of waste diverted from landfill through recycling, e-waste, bulbs/lamps, and Keurig K-cycle, against 179,361 lbs sent to landfill.

Additionally, one facility, the Fulton Financial Center at 3.0 University Place, received LEED Silver certification in July 2024. The company operates over 200 financial centers.

Respect for Cultures & Communities

Fulton Financial Corporation has established over 35 formal partnerships with various community and cultural groups, including 12 historically Black colleges and universities (HBCUs), Operation HOPE, and numerous local CDCs and non-profits.

The company reinvested a significant portion of its revenue into local community development, with $303 million in community development investments in 2024 and $11.71 million in charitable contributions and donations from 2023-2024, against a 2024 revenue of $1.2 billion. The company has no reported cultural appropriation incidents. While a formal cultural impact assessment protocol is not explicitly detailed, ESG factors are incorporated into credit analysis. The company offers language courses to employees and achieved a 99.6% completion rate for required Diversity, Equity, and Inclusion (DEI) training in 2023. Fulton Bank maintains an "Outstanding" Community Reinvestment Act (CRA) rating as of 2024.

Safe & Smart Tech

Fulton Bank experienced a data breach at a third-party vendor, Overby-Seawell’s computer servers, between May 26, 2022, and July 5, 2022.

This incident exposed personal information, including names, addresses, and Social Security numbers, of approximately 110,000 customers. A federal court approved a $750,000 settlement for a data breach lawsuit on September 6, 2023, which included an offer of two years of credit monitoring for claimants. The company states it has a comprehensive information security program, a defense-in-depth strategy, and a cybersecurity framework prioritizing prevention, detection, and response. Employees and directors are required to adhere to a Code of Conduct reinforced by periodic training, and regular employee cybersecurity training and communications are conducted, with compliance courses being mandatory and assigned by role. Fulton also has a formal information security management program under a Chief Information Security Officer and a comprehensive incident response plan. The company collects personal information for various purposes, including identity authentication and fraud prevention, and uses cookies to enhance online banking security. Users can opt-out of some information sharing and control cookie settings. Fulton states it complies with applicable federal and state laws and regulations, including the Children’s Online Privacy Protection Act (COPPA), and has a Consumer Privacy Notice. The company also has a third-party risk management program to assess vendor cybersecurity risks.

Zero Waste & Sustainable Products

In 2024, Fulton Financial Corporation diverted 27,915 lbs of materials, including recycling, e-waste, bulbs/lamps, and Keurig® K-Cycle® materials, from a total of 207,276 lbs of waste, resulting in a waste diversion rate of 13.47%.

The company has implemented several waste reduction initiatives, such as shifting to digital banking, which saved over 7.6 million sheets of paper in 2024, and investing in a methane digester at AR Joy Farm to divert food waste from landfills. Fulton's financial center at 3.0 University Place earned LEED Silver Certification for Interior Design & Construction for Retail in July 2024. The company partners with Jones Lang LaSalle (JLL) for waste audits. There have been no waste disposal violations in the past three years.