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They can inquire about your monthly expenses, how long you’ve lived in your current home or apartment, how many dependents you have, whether you pay alimony or child support, and the amount of any other financial obligations.
The Community Reinvestment Act was passed in 1997 to help reduce discriminatory credit practices against individuals living in low-income and minority neighborhoods.
The law also prohibits discrimination in the rental housing market based on race, color, religion, national origin, sex, familial status and disability.
The Home Mortgage Disclosure Act (HDMA) of 1975 helps to identify discriminatory lending practices by requiring lending institutions to report public loan data.
However, when reaching a decision as to whether to grant credit, a lender must apply its standards fairly, impartially and without discrimination.
Under the ECOA, a lender must reply to your credit application within 30 days.
Lenders can ask whether you are married, unmarried, or separated, but not if you are divorced or widowed.