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Credit Discrimination: ARIZONA

Fair Housing: Ariz. Rev. Stat. Ann. §§ 41-1491 to 41-1491.37

Protected Classes: Race, color, religion, sex, familial status, disability, or national origin.

Prohibited Practices: Discriminating in providing financial assistance for the purchase, construction, repair, and maintenance of a dwelling. § 41-1491.20.

Scope of Coverage: Businesses involved in realty-related transactions.

Credit Discrimination: ARKANSAS

Civil Rights: Ark. Code Ann. §§ 16-123-101 to 16-123-108 (credit transactions)

Protected Classes: Race, religion, national origin, gender, or any sensory, mental, or physical disability.

Prohibited Practices: Interference with the right to engage in credit and other contractual transactions without discrimination. § 16-123-107(a)(4).

Private Remedies: Civil action for injunction, compensatory, and punitive damages; costs and attorney fees permitted. § 16-123-107(b).

Credit Discrimination: CALIFORNIA

Civil Rights: Cal. Civ. Code §§ 51 to 52.2 (West)

Protected Classes: Sex, race, age, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, sexual orientation, citizenship, primary language, or immigration status.

Prohibited Practices: Discrimination in accommodations, advantages, facilities, privileges, or services of business establishments.

Scope of Coverage: All business establishments.

Credit Discrimination: COLORADO

Consumer Credit: Colo. Rev. Stat. § 5-3-210

Protected Classes: Race, creed, religion, color, sex, sexual orientation, gender identity, gender expression, marital status, national origin, or ancestry.

Prohibited Practices: Denial of credit or making terms or conditions of credit more stringent on basis of membership in a protected class.

Scope of Coverage: Consumer credit sales, consumer leases, consumer loans regulated under Title V of Colorado Consumer Credit Code (C-CCC).

Credit Discrimination: CONNECTICUT

Civil Rights: Conn. Gen. Stat. §§ 46a-65, 46a-66, 46a-81f, 46a-98 (credit transactions)

Protected Classes: Sex, gender identity or expression, age, race, color, religious creed, national origin, ancestry, marital status, intellectual disability, learning disability, veteran status, blindness, physical disability, or sexual orientation (if eighteen years or older). § 46a-66. Provision prohibiting credit discrimination on basis of sexual orientation includes protection for “civil union status.” § 46a-81f.

Credit Discrimination: DELAWARE

Fair Housing: Del. Code Ann. tit. 6, §§ 4600 to 4620

Protected Classes: Race, color, national origin, religion, creed, sex, marital status, familial status, age (if eighteen or older), disability, source of income, sexual orientation, or gender identity. §§ 4603(b), 4604.

Credit Discrimination: DISTRICT OF COLUMBIA

Civil Rights: D.C. Code §§ 2-1401.01 to 2-1403.17

Protected Classes: Actual or perceived race, color, religion, national origin, sex, age, marital status, personal appearance, sexual orientation, gender identity or expression, familial status, family responsibilities, disability, matriculation, political affiliation, source of income, genetic information, status as victim of an intrafamily offense, or place of residence or business. § 2-1402.21.

Credit Discrimination: FLORIDA

Consumer Credit: Fla. Stat. § 725.07

Protected Classes: Sex, marital status, or race.

Prohibited Practices: No person can discriminate on basis of membership in protected class.

Scope of Coverage: Covers areas of loaning money, granting credit, and providing equal pay for equal services performed.

Exclusions: None specified.

Private Remedies: Compensatory and punitive damages and attorney fees.

Administrative Remedies: None specified.

Credit Discrimination: GEORGIA

Consumer Credit: Ga. Code Ann. §§ 7-6-1 to 7-6-2

Protected Classes: Sex, race, religion, national origin, or marital status.

Prohibited Practices: Discriminating or providing requirements which discriminate in the extending of credit or the making of loans.

Scope of Coverage: Banks, lending companies, financial institutions, retail installment seller, or person extending credit.

Private Remedies: Action for damages in court of competent jurisdiction.

Credit Discrimination: GUAM

Fair Housing: 9 Guam Code Ann. §§ 70.210 to 70.470

Protected Classes: Race, color, religion, sex, or national origin of applicant or of any person associated with applicant. § 70.230.

Credit Discrimination: HAWAII

Consumer Credit: Haw. Rev. Stat. §§ 477E-1 to 477E-6

Protected Classes: Marital status. § 477E-3.

Prohibited Practices: Discrimination against any applicant with respect to any aspect of a credit transaction; aggregation of loans to determine finance charges or loan ceilings.

Scope of Coverage: Credit transactions by financial institutions, pawnbrokers, debt adjusters, extenders, or arrangers of credit, assignee who participates in credit decision.

Credit Discrimination: IDAHO

Civil Rights: Idaho Code §§ 67-5901 to 67-5912 (housing transactions)

Protected Classes: Race, color, religion, sex, national origin, or disability.

Prohibited Practices: Discriminating or using a form that directly or indirectly indicates an intent to make a limitation, specification or discrimination regarding real estate transaction. § 67-5909.

Credit Discrimination: ILLINOIS

Civil Rights: 775 Ill. Comp. Stat. §§ 5/1-101 to 5/10-104; 775 Ill. Comp. Stat. §§ 5/4-101 to 5/4-104 (credit transactions)

Protected Classes: Race, color, religion, sex, national origin, ancestry, age, sexual orientation, marital status, order of protection status, pregnancy, physical or mental disability, military status, or unfavorable discharge from military service. §§ 5/1-102(A), 5/1-103. Familial status, for real estate transactions. § 5/1-102(D).

Credit Discrimination: INDIANA

Civil Rights: Ind. Code § 22-9-1-1 to 22-9-1-18 (housing transactions)

Protected Classes: Race, religion, color, sex, disability, national origin, or ancestry.

Prohibited Practices: Exclusion of person from equal opportunities relating to acquisition or sale of real estate, extension of credit. § 22-9-1-3.

Scope of Coverage: Individuals, corporations or other organized groups of persons.

Private Remedies: Injunction; actual damages. § 22-9-1-6(j).

Credit Discrimination: IOWA

Civil Rights: Iowa Code §§ 216.1 to 216.22; Iowa Code § 216.10 (credit transactions)

Protected Classes: Age, color, creed, national origin, race, religion, marital status, sex, sexual orientation, gender identity, physical disability (including HIV infection), familial status.

Prohibited Practices: Refusal to loan or extend consumer credit; imposing finance charges or other terms or conditions more onerous than those regularly extended to persons of similar economic background.

Credit Discrimination: KANSAS

Civil Rights: Kan. Stat. Ann. §§ 44-1001 to 44-1044 (housing transactions)

Protected Classes: Race, religion, color, sex, disability, national origin, familial status, or ancestry of applicant, persons associated with applicant, or prospective owners, lessees, tenants, or occupants of real property in relation to which financial assistance is given.

Credit Discrimination: KENTUCKY

Civil Rights: Ky. Rev. Stat. Ann. §§ 344.010 to 344.990 (West); Ky. Rev. Stat. Ann. § 344.400 (West) (credit transactions)

Protected Classes: Familial status, race, color, religion, national origin and sex, age forty and over, or disability.

Prohibited Practices: Deny credit, increase charges, fees, or collateral on any credit, restrict amount or use of credit extended to any person or any related item or service, or attempt to do any of these things on a prohibited basis.

Credit Discrimination: LOUISIANA

Civil Rights: La. Stat. Ann. § 51:2255 (credit transactions)

Protected Classes: Race, creed, color, religion, national origin, disability, or sex.

Credit Discrimination: MAINE

Civil Rights: Me. Stat. tit. 5, §§ 4595 to 4598 (credit transactions)

Protected Classes: Age, race, color, sex, marital status, ancestry, religion, national origin, gender identity, and sexual orientation.

Credit Discrimination: MARYLAND

Civil Rights: Md. Code Ann., State Gov’t §§ 20-101 to 20-1203 (West) (housing transactions)

Protected Classes: Race, color, religion, sex, familial status, national origin, marital status, sexual orientation, gender identity, disability, or source of income.

Credit Discrimination: MASSACHUSETTS

Civil Rights: Mass. Gen. Laws ch. 151B, § 4(10) (credit transactions)

Protected Classes: Recipients of federal, state, or local public assistance, including medical assistance, or tenants receiving federal, state, or local housing subsidies.

Prohibited Practices: Discriminating against any individual solely on basis of receipt of such assistance.

Scope of Coverage: Applies to any person furnishing credit, services, or rental accommodations.

Credit Discrimination: MICHIGAN

Civil Rights: Mich. Comp. Laws. §§ 37.2101 to 37.2804; Mich. Comp. Laws. § 37.2502 (housing transactions)

Protected Classes: Religion, race, color, national origin, age, sex, familial status, or marital status.

Prohibited Practices: Discriminating in the terms, conditions, or privileges of a real estate transaction.

Scope of Coverage: Persons engaging in real estate transactions, or real estate brokerage or sales.

Credit Discrimination: MINNESOTA

Civil Rights: Minn. Stat. § 363A.16 (credit transactions)

Protected Classes: Race, color, creed, religion, disability, national origin, sex, sexual orientation, marital status, recipients of public assistance.

Prohibited Practices: Discriminating in extension of credit or in requirements for obtaining credit on a prohibited basis.

Scope of Coverage: Personal or commercial credit.

Credit Discrimination: MISSOURI

Civil Rights: Mo. Rev. Stat. §§ 213.010 to 213.112 (housing transactions)

Protected Classes: Race, color, religion, national origin, ancestry, familial status, sex, or disability of applicant, person associated with applicant in connection with the loan, or of prospective tenants, owners, lessees, or occupants of the dwelling which is the subject of the loan. § 213.045.

Prohibited Practices: Denying financial assistance or discriminating in setting terms or conditions of financial assistance. § 213.045.

Credit Discrimination: MONTANA

Civil Rights: Mont. Code Ann. § 49-2-306 (credit transactions)

Protected Classes: Sex, marital status, race, creed, religion, age, physical or mental disability, color, or national origin.

Prohibited Practices: (1) “Financial institution” cannot discriminate on a prohibited basis in terms or conditions, unless based on reasonable grounds; (2) “creditor” cannot discriminate on a prohibited basis.