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Moreover, the statute makes it unlawful for ‘‘any creditor to discriminate against any applicant with respect to any aspect of a credit transaction (1) on the basis of race, color, religion, national origin, sex or marital status, or age (provided the applicant has the capacity to con tract) There are two exceptions to this. (2) because all or part of the applicant’s.
On the basis of race, color, religion, national origin, sex or marital status, or age (provided the applicant has the capacity to contract) Marital status rules under regulation b when an applicant applies for individual credit, a lender generally may not ask about the applicant’s marital status Because all or part of the applicant's income derives from any public assistance program
Or because the applicant has in good faith exercised any right under the consumer credit protection act.
(e) permanent residency and immigration status. § 1002.7 is part of 12 cfr part 1002 (regulation b) Regulation b protects applicants from discrimination in any aspect of a credit transaction. What are the two exceptions when a creditor may ask the applicants marital status
If an applicant applies for individual unsecured credit, a creditor shall not inquire about the applicant's marital status unless the applicant resides in a community property state or is relying on property located in such a state as a basis for repayment of the credit requested. Unsecured credit—community property states if a married applicant requests unsecured credit and resides in a community property state, or if the property upon which the applicant is relying is located in such a state, a creditor may require the signature of the spouse on any instrument necessary, or reasonably believed by the creditor to be necessary, under applicable state law to make. 1 specifically, §202.7 (d) (4) provides that “ [i]f an applicant requests secured credit, a creditor may require the signature of the applicant's spouse or other person on any instrument necessary, or reasonably believed by the creditor to be necessary, under applicable state law to make the property being offered as security available to. What are the exceptions to the rule of not asking an applicant's marital status
If the loan will be secured, or if the applicant either resides in a community property state or lists assets to support the debt that are located in such a state.
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