Fair Housing
In Hawaii, a lender who offers different loan terms to qualified borrowers of different races is engaging in:
AA. Risk-based pricing, which is legal
BB. Illegal disparate treatment discrimination under fair lending laws✓ Correct
CC. Legal market segmentation
DD. Acceptable alternative underwriting
Explanation
Offering different loan terms to similarly qualified borrowers based on race is illegal disparate treatment under ECOA, Fair Housing Act, and other fair lending laws.
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