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Creditors must notify applicants of the action taken on their applications within 30 days from the time a completed application is received, unless the applicant withdraws the application. Regulation b implements the equal credit opportunity act (ecoa) and prohibits lenders from discriminating against credit applicants based on their race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Prescreening tactics that tend to discourage potential applicants are also prohibited
For instance, instructions to loan brokers to use scripts or other means to discourage minority applicants from applying for credit would constitute a violation. B, c, and d are incorrect because the disclosure must be mailed or delivered no later than the third business day after receiving an application. The true statement regarding potential regulation b violations is option d
A financial institution may face violations if it discourages applicants
This regulation aims to prevent discrimination against applicants based on protected characteristics. Consistent with section 1071, covered financial institu tions are required to collect and report to the cfpb data on applications for credit for small businesses, including those that are owned by women or minorities. The correct answer is a
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