Đạo đứcCâu 340 / 400
A lender's policy is to reject all applicants whose income comes from a housing voucher or public assistance, regardless of amount or reliability. This policy:
a.Is fully permissible risk management
b.Violates only state law
c.Violates ECOA, which protects applicants whose income derives from public assistance
d.Is required by federal law
Giải thích
ECOA protects applicants who derive income from public assistance, so a blanket rejection of such income violates the statute. It is not permissible risk management, it is a federal violation (not merely state), and no federal law requires rejecting public-assistance income.
Trích dẫn luật: Fair lending / ECOALuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
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- Under ECOA, discrimination is prohibited in:
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