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Equal Credit Opportunity Act (ECOA)
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The Equal Credit Opportunity Act (ECOA) prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance. Creditors may ask for this information (except religion) in certain situations, but may not use it to discriminate when deciding whether to grant you credit.
The ECOA protects consumers who deal with companies that regularly extend credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions. Everyone who participates in the decision to grant credit, including real estate brokers who arrange financing, must follow this law. Businesses applying for credit also are protected by this law.

Your rights according to the Equal Credit Opportunity Act:
  • You have the right to have reliable public assistance considered in the same manner as other income.
  • You cannot be denied credit based on your race, sex, marital status, religion, age, national origin, or receipt of public assistance.
  • If you are denied credit, you have a right to know the reason.
Based on the Federal Trade Commission publicity