EthicsQuestion 350 of 400
An advertisement using imagery and language that signals a lender only welcomes applicants of a particular race or religion may violate fair-lending law because it:
a.Discourages applications from protected classes
b.Improves consumer choice
c.Is protected commercial speech in all cases
d.Only matters if someone is actually denied
Explanation
Advertising that discourages members of protected classes from applying can itself violate ECOA and the Fair Housing Act, even before any denial. It does not improve choice, it is not immune as commercial speech, and a violation does not require an actual denial.
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