Step 4Your planKnow your rights2 rights

Fair housing & fair lending

Discrimination in lending, servicing or housing.

Federal law

Federal lawVerified Sep 23, 2026

No discrimination in credit, and the right to know why you were denied (ECOA)

15 U.S.C. § 1691(a)

A creditor may not discriminate against you in any part of a credit deal because of race, color, religion, national origin, sex, marital status, age, receiving public assistance, or using your consumer-credit rights. If a creditor denies your completed credit application, you are entitled to a statement of the reasons.

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Federal lawVerified Sep 23, 2026

No discrimination in housing or home loans (Fair Housing Act)

42 U.S.C. § 3604(a)–(b)

It is illegal to discriminate in selling, renting, or financing a home because of race, color, religion, sex, disability, familial status (having children), or national origin. This covers mortgage lenders and servicers too — for example, in who gets offered a loan modification and on what terms. You can file a complaint with HUD within 1 year or go to court within 2 years.

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