Finance
Under the Equal Credit Opportunity Act (ECOA), a lender may NOT deny credit based on:
AThe applicant's credit score
BThe applicant's debt-to-income ratio
CThe applicant's race or national origin✓ Correct
DThe applicant's employment history
Explanation
ECOA prohibits discrimination in credit decisions based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Lenders may still consider financial factors like credit score and debt-to-income ratio.
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