Fair Housing
A Nebraska apartment complex that requires a substantially higher income-to-rent ratio from Hispanic applicants than from non-Hispanic applicants of similar credit profiles is committing:
ALegal risk management
BDisparate treatment based on national origin, violating the Fair Housing Act and ECOA✓ Correct
CStandard underwriting practices
DPermissible income verification
Explanation
Requiring different income ratios based on national origin (or any protected class) with no objective justification is disparate treatment — illegal under the Fair Housing Act and Equal Credit Opportunity Act.
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