Resources:

• “Federal law gives you protections when you deal with any organizations or people who regularly extend credit. That includes, for example, banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions. Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the Equal Credit Opportunity Act (ECOA).”

Credit Discrimination | Consumer Advice (ftc.gov)

• “The Equal Credit Opportunity Act [ECOA], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.”

Civil Rights Division | The Equal Credit Opportunity Act (justice.gov)

• Credit Scoring in Insurance: An Unfair Practice

“For the past 20 years, insurance companies have been using your credit history to decide whether or not to offer you an auto or homeowners insurance policy, which of their policies they will make available to you and how much they will charge you. Insurers call this practice credit-based insurance scoring. You have not heard of this? That is not surprising because insurers go out of their way to keep this information under the radar. Consumer advocates, including United Policyholders, the Center for Economic Justice, and Consumers Union have long fought this unfair industry practice.”

Credit Scoring in Insurance: An Unfair Practice - United Policyholders (uphelp.org)

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FAIR_LENDING_GUIDE.PDF (hud.gov)