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Equal Credit Opportunity Act (ECOA)

The ECOA protects consumers from credit discrimination. In some situations creditors may request personal information such as race, marital status, age, etc., but it cannot be used to discriminate against you when deciding whether or not to give you credit. Find out more.

According to the ECOA:

Credit cannot be denied based on race, sex, marital status, religion, age, national origin, or receipt of public assistance.

Creditors must consider reliable public assistance in the same manner as other sources of income.

Consumers have a legal right to know the reasons behind any denial of credit.

For further information regarding this law and other consumer and credit-related rights, visit the Federal Trade Commission's web site at www.ftc.gov.

Related Article: Electronic Fund Transfer Act (EFTA) >>

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