Credit Discrimination: NEBRASKA
Fair Housing: Neb. Rev. Stat. §§ 20-301 to 20-344
Protected Classes: Race, color, religion, sex, disability, familial status, or national origin.
Fair Housing: Neb. Rev. Stat. §§ 20-301 to 20-344
Protected Classes: Race, color, religion, sex, disability, familial status, or national origin.
Consumer Credit: Nev. Rev. Stat. §§ 598B.010 to 598B.180 (Equal Opportunity for Credit)
Protected Classes: Race, color, creed, religion, disability, national origin or ancestry, sex, sexual orientation, gender identity or expression, or marital status.
Prohibited Practices: Discriminating in any aspect of a credit transaction on a prohibited basis. § 598B-100. Sets out specific guidelines for considerations in determining creditworthiness, separate accounts, and separate reporting of credit histories.
Civil Rights: N.H. Rev. Stat. Ann. §§ 354-A:1 to 354-B:6 (housing transactions)
Protected Classes: Age, sex, gender identity, race, creed, religion, color, marital status, familial status, physical or mental disability, sexual orientation, or national origin.
Civil Rights: N.J. Stat. Ann. §§ 10:5-1 to 10:5-42 (West) (credit transactions)
Protected Classes: Race, creed, color, national origin, ancestry, liability for service in the Armed Forces, age, familial status, marital status, civil union status, pregnancy or breastfeeding, sex, affectional or sexual orientation, disability (including AIDS), domestic partnership status, gender identity or expression, nationality of applicant, or source of lawful income used for rental or mortgage payments.
Civil Rights: N.M. Stat. § 28-1-1 to 28-1-14 (credit transactions)
Protected Classes: Race, religion, color, national origin, ancestry, sex, spousal affiliation, physical or mental handicap, sexual orientation, pregnancy, childbirth or condition related to pregnancy or childbirth, or gender identity.
Civil Rights: N.Y. Exec. Law § 296-a (McKinney) (credit transactions)
Protected Classes: Race, creed, color, national origin, age, sex, familial or marital status, military status, sexual orientation, gender identity or expression, or disability and, in cases of housing financing, of certain persons associated with applicant, or of prospective occupants, or tenants of the real estate in connection with which housing is sought.
Consumer Credit: N.C. Gen. Stat. §§ 25B-1 to 25B-4
Protected Classes: Married and unmarried women.
Prohibited Practices: Denying credit in her own name to woman with same creditworthiness as men who would receive credit. Upon written request, credit reporting agencies must give any separate credit histories and history of joint accounts on file.
Scope of Coverage: Covers any credit, defined as obtaining money, property, labor, or services on a deferred payment basis.
Civil Rights: N.D. Cent. Code §§ 14-02.4-01 to 14-02.4-23 (credit transactions)
Protected Classes: Race, color, religion, sex, national origin, age, physical or mental disability, marital status, receipt of public assistance.
Prohibited Practices: Denying credit, discriminating in setting terms or conditions on a prohibited basis (may consider credit histories and take actions permitted or required by ECOA). § 14-02.4-17.
Fair Housing: Utah Code Ann. §§ 57-21-1 to 57-21-14 (West); Utah Code Ann. § 57-21-6 (West)
Protected Classes: Race, color, religion, sex, disability, national origin, familial status, source of income, sexual orientation, gender identity, or association with member of protected class.
Prohibited Practices: To discriminate in the making or purchasing of loans or providing other financial assistance in connection with residential real estate transactions.
Consumer Credit: Vt. Stat. Ann. tit. 8, § 10403
Protected Classes: Race, color, religion, national origin, age, sexual orientation, gender identity, sex, marital status, or disability.
Prohibited Practices: Discrimination with respect to credit cards and personal, mortgage, and commercial loans.
Scope of Coverage: Financial institutions, credit unions, licensed lenders.
Private Remedies: Punitive and actual damages; costs and attorney fees permitted.
Civil Rights: V.I. Code Ann. tit. 10, §§ 61 to 75 (housing transactions)
Protected Classes: Sex, marital status, race, age, disability, religion, color, national origin, creed, political affiliation.
Prohibited Practices: Discrimination in provision of services related to obtaining housing accommodations. § 64(8)(a)(ii). Discrimination in extensions, renewals, or terms of financial assistance. § 64(8)(e).
Consumer Credit: Va. Code Ann. §§ 6.2-500 to 6.2-513
Protected Classes: Race, color, religion, national origin, sex, marital status, sexual orientation, gender identity, pregnancy, childbirth or related medical conditions, disability, veteran status, public welfare recipients, or age (provided there is capacity to contract).
Civil Rights: Wash. Rev. Code §§ 49.60.010 to 49.60.401; Wash. Rev. Code §§ 49.60.030(1)(d), 49.60.175, 49.60.176 (credit transactions)
Fair Housing: W. Va. Code §§ 5-11A-1 to 5-11A-20 (§ 5-11A-5)
Protected Classes: Sex, race, color, religion, blindness, disability, familial status, ancestry, or national origin.
Prohibited Practices: Discrimination against member of protected class in the terms, conditions, or privileges of sale or rental of a dwelling or in providing related services or facilities. § 5-11A-5.
Consumer Credit: Wis. Stat. § 138.20
Protected Classes: Physical condition, developmental disability, sex, or marital status (unless there is no legal capacity to contract).
Prohibited Practices: Discriminating in the granting or extension of credit or privilege or capacity to obtain credit. Incorporates violation of Wis. Stat. § 766.56(1) (credit transactions with married persons) as a violation.
Fair Housing: Wyo. Stat. Ann. § 40-26-101 to § 40-26-145 (§ 40-26-103)
Protected Classes: Race, color, religion, sex, disability, familial status, or national origin.
Prohibited Practices: Discriminating in the terms, conditions, or privileges or sale or rental of a dwelling or in providing services or facilities in connection with sale or rental.
Scope of Coverage: Persons (not defined).
The following information was prepared by federal government regulators to inform consumers about credit discrimination laws. The information can be ordered directly from the relevant agencies.
The following information was prepared by the Federal Trade Commission’s (FTC) Bureau of Consumer Protection, and may be found on the FTC’s website at www.ftc.gov.
Your Equal Credit Opportunity Rights
People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.
Federal law protects every homebuyer looking for a mortgage loan against discrimination on the basis of race, color, national origin, religion, sex, marital status, age, receipt of public assistance funds, familial status (having children under the age of 18), handicap, or exercising your rights under other consumer credit protection laws. Lenders may not take any of these factors into account in their dealings with you.
Often these groups can walk you through the mortgage process. They can also help you understand whether your experience suggests that the lender is discriminating unlawfully, and can help you decide whether to file a complaint.
These are government agencies set up by a city, county, or state government to deal with discrimination.
They can advise you whether the treatment you received gives you legal grounds for bringing a lawsuit against the lender. They can tell you about monetary damages and other types of relief available to individuals who can prove that illegal discrimination occurred.
They can check the activities of mortgage lenders to make sure they complied with the laws against lending discrimination. When you write, include your name and address; name and address of the lending institution you are complaining about; address of the house involved; and a short description and the date of the alleged violation.
The Fair Housing Act prohibits discrimination in housing sales or loans on the basis of race, religion, color, national origin, sex, familial status (having children under the age of 18), or handicap.
The Equal Credit Opportunity Act prohibits discrimination in any aspect of a credit transaction on the basis of race, religion, age, color, national origin, receipt of public assistance funds, sex, marital status, or the exercise of any right under the Consumer Credit Protection Act.
DIRECTORY OF FEDERAL AGENCIES
This appendix reprints the current version of federal credit discrimination statutes—the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and Civil Rights Acts, 42 U.S.C. §§ 1981, 1982, 1988.
Title 15—Commerce and Trade
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Chapter 41—Consumer Credit Protection
§ 1691 note. Short title
§ 1691 note. Findings and purpose
§ 1691. Scope of prohibition
§ 1691a. Definitions; rules of construction