Fair Housing
A mortgage lender who offers favorable loan terms to customers referred by a predominantly white real estate firm while offering less favorable terms to customers from a predominantly minority firm is likely engaging in:
ALegal market segmentation
BDisparate treatment — discrimination based on the protected class characteristics of the referred customers✓ Correct
CA permissible affinity marketing program
DRESPA-compliant referral fee arrangements
Explanation
Offering different loan terms based on the racial or ethnic characteristics of customers — even indirectly through referral source — constitutes disparate treatment under the Fair Housing Act and Equal Credit Opportunity Act.
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