Final answer: The Equal Credit Opportunity Act (ECOA) protects against discrimination on several grounds including race, religion, and marital status. However, it doesn't explicitly protect against discrimination based on sexual orientation.
Some of these unprotected classes include education level, economic class, social membership, immigration status and criminal records. For example, if you experience discrimination at a job because you didn't graduate from college, you aren't protected by the law.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives ...
A creditor's consideration of state property laws that affect creditworthiness (directly or indirectly) does not constitute unlawful discrimination under ECOA.
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 ...
Under the laws enforced by EEOC, it is illegal to discriminate against someone (applicant or employee) because of that person's race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), national origin, age (40 or older), disability or genetic information.
Imposing unfair terms or conditions on a loan (such as lower loan amount or higher interest rates) based on personal characteristics protected under the ECOA. Asking detailed personal information regarding marital status, such as whether you are widowed or divorced.
Protected Class: The groups protected from employment discrimination by law. These groups include men and women on the basis of sex; any group which shares a common race, religion, color, or national origin; people over 40; and people with physical or mental handicaps.
What Is Not Considered a Protected Class? Groups not explicitly outlined in federal anti-discrimination laws do not fall under protected classes. For example, discrimination based on political affiliation, physical appearance, or income level is generally not protected under federal law.
It does not protect people who are single, divorced, widowed or have dissolved their civil partnerships. The Equality Act says you must not be discriminated against in employment because you are married or in a civil partnership.
The answer is Employment Status. The other options, Religion, Age, and Race, are all examples of protected classes. Protected classes refer to groups of people who are protected from discrimination under various laws.
Negative Information Based on Discrimination
The FCRA prohibits the inclusion of negative information on the basis of race, color, national origin, sex, or religion. Any discriminatory reporting practices violate the law.
What types of classifications are “suspect”? In light of the history of the Equal Protection Clause, it is no surprise that race and national origin are suspect classifications. But the Court has also held that gender, immigration status, and wedlock status at birth qualify as suspect classifications.
The EEOC is responsible for protecting you from one type of discrimination - employment discrimination because of your race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, disability, age (age 40 or older), or genetic information.
This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
An example that is NOT a prohibited basis for the Equal Credit Opportunity Act is annual income and military status. The Equal Credit Opportunity Act prohibits discrimination in credit transactions on the basis of race and skin color, national origin, sex, age, marital status, religion, and other protected attributes.
Common examples of billing errors include unauthorized charges, charges for goods and services you didn't accept (or weren't delivered as agreed) and missing payments or other credits, like returns. You can also ask for a written explanation or proof of purchases.
The Fair Housing Act affords no protections to individuals with or without disabilities who present a direct threat to the persons or property of others.
The protected classes include: age, ancestry, color, disability, ethnicity, gender, gender identity or expression, genetic information, HIV/AIDS status, military status, national origin, pregnancy, race, religion, sex, sexual orientation, or veteran status, or any other bases under the law.
Explanation: Personal appearance is NOT a protected characteristic under federal law. While color, national origin, and gender are protected characteristics, personal appearance, which includes clothing, hair style, tattoos, and piercings, is not specifically covered under federal law.
Disability discrimination (36.1%) Race discrimination (32.7%) Sex discrimination (31.7%)
Equality Act provisions which came into force on 1 October 2010: the basic framework of protection against direct and indirect discrimination, harassment and victimisation in services and public functions, premi, work, education, associations and transport.
The U.S. Equal Employment Opportunity Commission (EEOC) is responsible for enforcing federal laws that make it illegal to discriminate against a job applicant or an employee because of the person's race, color, religion, sex (including pregnancy, childbirth, or related conditions, gender identity, and sexual ...