Title VII of the Civil Rights Act of 1964 prohibits discrimination in hiring, promotion, discharge, pay, fringe benefits, job training, classification, referral, and other aspects of employment, on the basis of race, color, religion, sex or national origin.
The federal fair lending laws—the Equal Credit Opportunity Act and the Fair Housing Act—prohibit discrimination in credit transactions, including transactions related to residential real estate.
The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) protect consumers by prohibiting unfair and discriminatory practices.
The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction. It applies to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts.
India Code: Section Details. (1) There shall be no discrimination in an establishment or any unit thereof among employees on the ground of gender in matters relating to wages by the same employer, in respect of the same work or work of a similar nature done by any employee.
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 ...
Title VII of the Civil Rights Act of 1964. Title VII of the Civil Rights Act, as amended, protects employees and job applicants from employment discrimination based on race, color, religion, sex and national origin.
Examples of Lending Discrimination
Providing a different customer service experience to mortgage applicants depending on their race, color, religion, sex (including gender identity and sexual orientation), familial status, national origin or disability.
Equal Credit Opportunity Act | Federal Trade Commission.
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.
The Fair Housing Act prohibits discrimination in residential mortgage lending.
For example, an employer may require employees to speak only English during emergency situations or when talking to customers who only speak English. An employer also may not adopt an English-only rule for a discriminatory reason, such as to exclude all Hispanics from its workforce.
Americans with Disabilities Act (ADA) The ADA prohibits discrimination on the basis of disability in employment, State and local government, public accommodations, commercial facilities, transportation, and telecommunications.
Title VII of the Civil Rights Act of 1964 prohibits discrimination on the basis of National Origin.
Title VII prohibits employment discrimination based on race, color, religion, sex and national origin.
The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction. It applies to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts.
Title VII prohibits employment discrimination against any national origin group, including larger ethnic groups, such as Hispanics and Arabs, and smaller ethnic groups, such as Kurds or Roma (Gypsies). National origin discrimination also includes discrimination against American Indians or members of a particular tribe.
Students classify those characteristics based on the three C's of credit (capacity, character, and collateral), assess the riskiness of lending to that individual based on these characteristics, and then decide whether or not to approve or deny the loan request.
The FHAct prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing ...
Under the Equal Credit Opportunity Act (ECOA), lenders must provide the main reasons for denying credit or taking adverse action against an applicant. This is enforced through Regulation B. Regulation B is intended to prevent applicants from discrimination in any aspect of a credit transaction.
Income: A creditor cannot exclude an applicant's income from consideration because of a prohibited basis or because the income is derived from part-time employment, annuity, pension, or another retirement benefit. A creditor may take into account the amount and probable continuance of an applicant's income.
The Equal Credit Opportunity Act (ECOA) is a federal civil rights law designed to ensure fair lending practices. It prohibits lenders from discriminating against loan applicants, with the sole exception being their ability to repay the loan.