Finance
Under the Equal Credit Opportunity Act (ECOA), a lender may NOT deny credit based on:
ADebt-to-income ratio exceeding guidelines
BThe applicant's race, color, religion, national origin, sex, marital status, or age✓ Correct
CCredit score below the lender's minimum threshold
DInsufficient income to support the requested loan
Explanation
ECOA prohibits credit discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Lenders may still consider creditworthiness factors such as income, DTI, and credit score, as these are legitimate lending criteria.
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