Fair Housing
A Florida bank's loan officer tells a minority applicant that they 'probably won't qualify' and discourages them from applying, while encouraging a similarly qualified non-minority applicant to apply. This is:
ALegal if the officer believes it to be true
BIllegal discouragement or differential treatment in violation of the Fair Housing Act and ECOA✓ Correct
COnly illegal if it is in writing
DLegal professional advice
Explanation
Discouraging minority applicants while encouraging similarly situated non-minority applicants is illegal differential treatment (disparate treatment) in violation of both the Fair Housing Act and ECOA, even if no formal loan denial is made.
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