![]() The regulation prohibits creditor practices that discriminate on the basis of any of these factors. The purpose of this regulation is to promote the availability of credit to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract) to the fact that all or part of the applicant's income derives from a public assistance program or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Incentives for self-testing and self-correction.ĭata collection for credit applications by women-owned, minority-owned, or small businesses. Rules concerning evaluation of applications. Rules concerning requests for information. Limited exceptions for certain classes of transactions. Memorandum of Understanding between the Consumer Financial Bureau and the United States Department of Justice Regarding Fair Lending Coordination and Press Release (December 6, 2012)ĭepartment of Justice Guidance to the federal bank regulatory agencies on pattern or practice referrals (1996).Equal Credit Opportunity Act (Regulation B) Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B (Feb. Garland Delivers Remarks Announcing a New Initiative to Combat Redlining (Oct. 13, 2022)Īssistant Attorney General Kristen Clarke Delivers Remarks at Dillard University’s 10th Annual Justice Revius O. 17, 2022)Īssistant Attorney General Kristen Clarke Delivers Opening Remarks for the Civil Rights Division’s Fireside Chat: Celebrating the Life and Legacy of Dr. ![]() 22, 2021) Press Releases and SpeechesĪssistant Attorney General Kristen Clarke Delivers Remarks at the National Action Network Annual Convention’s Women’s Empowerment Luncheon (April 7, 2022)Īssistant Attorney General Kristen Clarke Delivers Opening Remarks at National Action Network's Annual Dr. Justice Department Announces New Initiative to Combat Redlining (Oct. 22, 2021)Īssistant Attorney General Kristen Clarke Delivers Remarks Announcing a New Initiative to Combat Redlining (Oct. Combatting Redlining InitiativeĬombatting Redlining Initiative Successes (Apr. Attorney’s Offices and coordinating with financial regulators to ensure that banks and lenders will be held accountable as we work to combat discriminatory race and national origin-based lending practices. Through the Initiative, the Department is partnering with U.S. The Combatting Redlining Initiative is the Department’s most aggressive and coordinated enforcement effort to address the practice of lenders avoid providing services to communities of color because of the race or national origin of the individuals who live there. In October 2021, Attorney General Merrick Garland and Assistant Attorney General for Civil Rights Kristen Clarke launched the Combatting Redlining Initiative to address the persistent problem of redlining-a pernicious form of discrimination that plagues communities of color and widens existing racial disparities in wealth and homeownership. The FHA prohibits discrimination in home mortgage loans, home improvement loans, and other home credit transactions because of race, color, religion, sex, national origin, familial status, or disability. ![]() ECOA prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Division has authority to enforce the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act on its own or upon referral from another agency. The Civil Rights Division Housing and Civil Enforcement Section vigorously enforces federal fair lending laws to protect equal access to credit. Redlining Map of New Orleans (1939), Mapping Inequality Project, Univ.
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