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.
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.
A creditor's consideration of state property laws that affect creditworthiness (directly or indirectly) does not constitute unlawful discrimination under ECOA.
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.
Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other person's decision not to provide the information) in any aspect of a credit transaction.
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.
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 ...
Redlining may violate both the FHAct and the ECOA.
ECOA prohibits discrimination in all aspects of a credit transaction and applies to any organization that extends credit—including banks, small loan and finance companies, retail stores, credit card companies, and credit unions. It also applies to anyone involved in the decision to grant credit or set credit terms.
Section 1557 prohibits discrimination on the basis of race, color, national origin, sex, age, or disability in specified health programs or activities, including those that receive Federal financial assistance.
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.
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.
Since there is no way to restrict this class being subclassed by only few classes (we cannot restrict class being inherited by only few classes out of all the available classes in a package/outside of a package), there is no use of protected access specifiers for top level classes. Hence it is not allowed.
Under the Equality Act 2010, social class is not a protected characteristic – it does not share the protection of race, sex, religion or any other of the nine protected characteristics. The UK has a problem with social inequality in the workplace. Only 39% of people in professional jobs are from working class heritage.
Which of the following is not true concerning ECOA? The answer is it requires the disclosure of the APR on all advertisements which contain an interest rate.
Federal Fair Lending Regulations and Statutes. Overview. 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.
Notifications of adverse action are required to be in writing and must include the following contents: Statement of action taken. Name and address of the creditor. Statement of the provisions of section 701(a) of ECOA.
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 ...
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.
Fair lending prohibits lenders from considering your race, color, national origin, religion, sex, familial status, or disability when applying for residential mortgage loans.
failing to report that a debt was discharged in bankruptcy. reporting old debts as new or re-aged. reporting an account as active when it was voluntarily closed by a consumer and. reporting certain information that's more than seven years old (like lawsuits) or ten years old (chapter 7 bankruptcies).
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.
Final answer: Employment Status (B) is NOT a protected class under federal law, unlike religion, age, and race, which are protected by the EEOC according to laws such as the Civil Rights Act of 1964.