Discriminating against any person, whether the act is large or small, subtle or overt, is a serious ethical failure. With homeownership representing such a significant part of “the American dream” and financial stability across generations, denying a person’s access to credit – or making that access more difficult – based on discriminatory factors is absolutely unacceptable. Though it seems that fair lending should be a given in the marketplace, the federal laws codifying equal access to credit are barely 50 years old – and they have continued to evolve in the decades since their enactment. From inappropriate comments and inquiries to unfairly restrictive underwriting requirements, predatory targeting or exclusion of protected groups, and disparate impact, fair lending continues to present challenges.
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