Đạo đứcCâu 355 / 400
A lender may lawfully consider which of the following when deciding whether to extend mortgage credit?
a.The applicant's national origin
b.The applicant's verified debt-to-income ratio
c.The applicant's religion
d.Whether the applicant receives public assistance
Giải thích
Debt-to-income ratio is a legitimate, non-prohibited creditworthiness factor a lender may consider. National origin, religion, and receipt of public assistance are all prohibited bases under ECOA and may not be used in the credit decision.
Trích dẫn luật: Fair lending / ECOALuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
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