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What is the purpose of the Equal Credit Opportunity Act?
This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Which of the following actions require notification within 30 days?
The third part of the Regulation B 30-day rule requires creditors to notify an applicant of their credit decision within 30 days after taking adverse action on an existing account.
What does ECOA stand for?
Equal Credit Opportunity Act (ECOA)
What is covered under the ECOA?
Specifically, ECOA protects consumers from lending discrimination based on race, color, religion, national origin, sex, marital status, age, public assistance, or the exercise of any rights under the Consumer Credit Protection Act.
What information must a lender inform an applicant need not be revealed unless the applicant wishes to rely on it in the determination of creditworthiness?
However, the bank must first disclose to the applicant that such income need not be revealed unless the applicant wishes to rely on that income in the determination of creditworthiness.
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If the creditor provides a notice of incompleteness, the notice must (1) be in writing, (2) detail the information needed to complete the application, (3) provide a reasonable deadline, and (4) state that the application will not be reviewed if the information is not received.
What are three reasons you can be denied credit according to the Equal Credit Opportunity Act?
Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other person's decision not to provide the information) in any aspect of a credit transaction.
What does ECOA stand for?
The Equal Credit Opportunity Act (ECOA), which is implemented by Regulation B, applies to all creditors. When originally enacted, ECOA gave the Federal Reserve Board responsibility for prescribing the implementing regulation.
What is the ECOA disclosure?
The federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income ...
Related links
Mortgage origination - Wikipedia
... integrated disclosure forms for consumers at the time of application and settlement-known as the Loan Estimate (LE) and the Closing Disclosure (CD).
Appendix C to Part 1002 — Sample Notification Forms
Form C-1 contains the Fair Credit Reporting Act disclosure as required by sections 615(a) and (b) of that act. Forms C-2 through C-5 contain only the section ...
12 CFR Appendix C to Part 202 - Sample Notification Forms
This appendix contains ten sample notification forms. ... Form C-1 contains the Fair Credit Reporting Act disclosure as required by sections 615(a) and (b) ...
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