Fulton Bank headquarters

The Penn Square headquarters of Fulton Financial and its Fulton Bank.

Fulton Financial said Friday that a four-year federal review of “possible discriminatory lending” by itself and its Fulton Bank has ended with no enforcement action taken.

Lancaster-based Fulton Financial announced the conclusion of the review by the U.S. Department of Justice with a one-sentence filing with the Securities & Exchange Commission.

Fulton Financial said the review covered the holding company’s and its bank’s compliance with the Equal Credit Opportunity Act and the Fair Housing Act.

Under the first law, it’s illegal for a creditor to discriminate against a loan applicant on the basis of race, color, religion, national origin, sex, marital status, age or receipt of public assistance.

The second law protects people seeking to buy, rent or finance a dwelling from discrimination.

Fulton Financial had said that the Department of Justice was looking for possible discrimination by race or national origin in the company's residential mortgage lending.

But according to Fulton Financial’s filing on Friday, the Department of Justice told the banking company by letter last week that it had “determined that the circumstances do not require enforcement action by the Department at this time.”

A Department of Justice spokeswoman declined to comment on the determination.

Fulton Financial first disclosed the department’s review in a SEC filing in August 2015. Initially, the review also included three other banks owned by Fulton Financial, but those have since been consolidated into Fulton Bank.

Asked whether Fulton Financial made any changes in response to the review, spokeswoman Laura Wakeley pointed to the 2016 creation of its Fulton Forward program.

“Through this effort, we gathered all that our company was already doing in the area of fair and responsible banking and brought those efforts together under a single initiative,” she said.

“That action enabled us to do a better job of publicly articulating our focus and our outcomes. And this added focus provided a framework for us to enhance our urban strategy, as evidenced by Fulton’s growing presence in Philadelphia and Baltimore,” said Wakeley.