Credit Discrimination: 5.4.3 Providing Disparate Levels of Assistance in the Application Process
Discrimination in the application process may involve allegations that a lender requested more—or different—types of information from or about protected class applicants, or provided disparate levels of assistance. The challenged conduct must be shown to be the result of disparate treatment or disparate impact.117 Most credit discrimination appears to occur in the context of applicants who are marginally qualified.