Finance
Under the Equal Credit Opportunity Act (ECOA), lenders may NOT discriminate based on:
ACredit score
BIncome amount
CRace, color, religion, national origin, sex, marital status, or age✓ Correct
DDebt-to-income ratio
Explanation
ECOA prohibits lenders from discriminating in credit decisions based on race, color, religion, national origin, sex, marital status, or age (provided the applicant has capacity to contract). Credit score, income, and DTI are legitimate underwriting factors.
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