Đạo đứcCâu 334 / 400
A lender refuses to count a borrower's part-time income solely because the borrower is a woman on maternity leave, assuming she 'won't return to work.' This assumption most likely violates ECOA on the basis of:
a.Sex (including pregnancy/maternity)
b.Age
c.National origin
d.Receipt of public assistance
Giải thích
Assuming a woman on maternity leave will not return to work, and discounting her income, is sex discrimination (including pregnancy) prohibited by ECOA. Age, national origin, and public-assistance status are protected but are not the basis implicated by a maternity-leave assumption.
Trích dẫn luật: Fair lending / ECOALuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
Câu hỏi liên quan cùng chủ đề
- An agent tells homeowners 'you should sell now before more minority families move in and prices drop,' hoping to profit from panic sales. This illegal practice is:
- An originator wants to email a borrower's full loan file, including SSN and bank data, over an unsecured public connection. The best practice under GLBA safeguards is to:
- Under RESPA, a mortgage broker takes a real estate agent to an expensive dinner every time the agent sends a referral. This is most likely:
- Which loan feature, when combined with a borrower who clearly cannot afford it, is a hallmark of predatory lending?
- A borrower qualifies for both a lower-cost conventional loan and a higher-cost product that pays the originator more. Ethically, the originator should:
- Under ECOA, discrimination is prohibited in:
Cập nhật gần nhất: · quy trình kiểm tra
Đội Ngũ Biên Tập PrepPass · Đối chiếu với NMLS SAFE Mortgage Loan Originator National Test · Quy trình kiểm tra