Requiring Credit References for Members of One Race but Not

question 27

True/False

Requiring credit references for members of one race but not for another is a violation of the ECOA.

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Definitions:

Trespass to Land

An unauthorized entry onto land which is owned or legally occupied by another.

Actual Harm

Damage or injury that is real and substantial, as opposed to theoretical or speculative.

Conversion

The unauthorized act of taking or using someone else's property and treating it as one's own.

Residential Lease

A legally-binding agreement between a landlord and tenant outlining terms and conditions for inhabiting residential property.