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Letter Denying Consumer Credit and Notice of Rights under Equal...

Dallas Texas Letter Denying Consumer Credit and Notice of Rights under Equal Credit Opportunity Act

Name: Dallas Texas Letter Denying Consumer Credit and Notice of Rights under Equal Credit Opportunity Act
Brand: US Legal Forms
Rating: 4.72 (380 reviews)

Category:

Loans and Lending - Applications

State:

Multi-State

County:

Dallas

Control #:

US-01412BG

Format:

Instant download

Description

If a user of consumer reports takes any adverse action (such as denial of credit, insurance, or employment) with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the Fair Credit Reporting Act requires that the user:

notify the consumer of the adverse action,

identify the consumer reporting agency making the report, and

notify the consumer of the consumer's right to obtain a free copy of a consumer report on the consumer from the consumer reporting agency and to dispute with the reporting agency the accuracy or completeness of any information in the consumer report furnished by the agency.

Under the federal Equal Credit Opportunity Act, a creditor must notify a consumer applicant for credit of the reasons for any adverse action taken on the application, and must make certain disclosures to the consumer concerning the applicant's rights and the provisions of federal law prohibiting discrimination in credit opportunities.

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Prohibited basis means race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant's income derives from any public assistance program; or the fact that the applicant has in good faith

Discriminate on the basis of race, color, religion, sex, national origin, age, disability, marital status, or political affiliation.

This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

There are nine prohibited factors under the ECOA. Most people are familiar with seven of them: gender, race, color, religion, national origin, marital status and age.

The Equal Credit Opportunity Act (ECOA) prohibits discrimination in the granting of credit based on race, color, religion, national origin, sex, marital status, age or receipt of public assistance.

ECOA makes it illegal for lenders to discriminate based on race, color, religion, national origin, sex, marital status, age, the receipt of public assistance, and the applicant's exercise of specific consumer protection laws.

On the basis of: Religion. National origin. Sex (including sexual orientation and gender identity) Marital status.

The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

Why this act became law. ECOA was implemented to prevent creditors from engaging in any sort of discriminatory practices when reviewing credit applications. Under ECOA, consumers cannot be denied credit based on sex, race, marital status, religion, national origin, age or receipt of public assistance.

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Dallas Texas Letter Denying Consumer Credit and Notice of Rights under Equal Credit Opportunity Act

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Which is a prohibited basis under ECOA?

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What are prohibited bases under the ECOA?

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