![]() A creditor may ask them to prove they have received this income consistently. Refuse to consider regular alimony, child support, or separate maintenance payments.Discount or refuse to consider income because it comes from part-time employment or pension, annuity, or retirement benefits programs.Discount income because of their sex or marital status.Refuse to consider public assistance income the same way as other income.When evaluating a consumer's income, a creditor MAY NOT: It's used in a valid scoring system that favors applicants age 62 and older.It's used to determine the meaning of other factors important to creditworthiness, or.They are too young to sign contracts, generally younger than 18 years of age,.Consider the race of people in the neighborhood where the consumer wants to buy, refinance or improve a house with borrowed money.A creditor may consider whether they have a phone. Consider whether they have a telephone listing in their name.Consider their sex, marital status, race, national origin, or religion.When deciding to give a consumer credit, a creditor MAY NOT: Inquire about their plans for having or raising children.Request information about their spouse, except when their spouse is applying with them their spouse will be allowed to use the account they are relying on their spouse's income or on alimony or child support income from a former spouse.A creditor in any state may ask for this information if they apply for a joint account or one secured by property. These states include: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, and Washington. A creditor may ask them to provide this information if they live in a "community property" state. Ask about their marital status if they are applying for a separate, unsecured account.When permitted to ask marital status, a creditor may only use the terms: married, unmarried, or separated. Ask the consumer if they are widowed or divorced.The creditor may ask the consumer to voluntarily disclose this information (except for religion) if they are applying for a real estate loan. Ask them to reveal their sex, race, national origin, or religion.Discourage them from applying because of their sex, race, national origin, marital status, age, or because they receive public assistance.When a consumer applies for credit, a creditor MAY NOT:
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