Credit Discrimination: 9.2.1 Loan Servicing
The official interpretations of Regulation B give “administration of accounts” as an example of the types of dealings between creditor and applicant that are covered by the Equal Credit Opportunity Act’s (ECOA) general prohibition against discrimination.1 Thus, a creditor cannot discriminate on a prohibited basis with respect to ease of payment, willingness to restructure or postpone payments, providing information about account balances, or denying a loan modification.2 Under the Fair Housing A