Finance
Under the Equal Credit Opportunity Act (ECOA), a West Virginia lender may NOT use which factor in a credit decision?
ACredit score and payment history
BIncome and employment stability
CRace, sex, or marital status✓ Correct
DDebt-to-income ratio
Explanation
ECOA prohibits lenders from discriminating in credit decisions based on race, color, religion, national origin, sex, marital status, age, or because the applicant receives public assistance. Credit score, income, and DTI are legitimate underwriting factors.
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