Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, ethnicity, national origin, religion, age, sex, handicap, marital status or familial status (having children under the age of 18), to:
- Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling
- Deny any loan secured by a dwelling
- Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property If you believe you have been discriminated against, you should send a complaint for processing under the Federal Fair Housing Act to Assistant Secretary Fair Housing and Equal Opportunity Department of Housing & Urban Development Washington, D.C. 20410
- You should also send a complaint for processing to:
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter
Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:
- On the basis of race, color, ethnicity, national origin, religion, age, sex, handicap, marital status, or familial status (providing the applicant has the legal capacity to enter a binding contract)
- Because income is from public assistance
- Because a right was exercised under the Consumer Credit Protection Act
If you believe you have been discriminated against, you may send a complaint to:
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter
You can also file complaints and obtain further information about any loan servicer by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the department’s website at www.dfs.ny.gov.