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VOL. 18, NO. 11/31/2010 10:12 PMTARGET MARKETING OF SUBPRIME LOANS: RACIALIZED CONSUMER FRAUD & REVERSE REDLINING Linda E. Fisher This article, presented at Brooklyn Law Schools 2009 Sparer Public

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What is consumer-lending discrimination in form?

Consumer-lending discrimination occurs when lenders treat borrowers unfavorably based on characteristics such as race, ethnicity, gender, or age rather than creditworthiness or other relevant criteria.

Who is required to file consumer-lending discrimination in form?

Lending institutions that meet specific criteria set by regulatory bodies, including those that are subject to the Home Mortgage Disclosure Act (HMDA), are required to file these forms.

How to fill out consumer-lending discrimination in form?

To fill out the form, a lender must provide detailed information about loan applications, including demographics of the applicants, loan amounts, and outcomes of the applications, ensuring accuracy and adherence to prescribed formats.

What is the purpose of consumer-lending discrimination in form?

The purpose of the form is to collect data to identify discriminatory lending practices and ensure compliance with fair lending laws, thereby promoting equal access to credit.

What information must be reported on consumer-lending discrimination in form?

The form must report demographic information of applicants, loan amounts, loan types, outcomes of the loan applications, and reasons for any denials.

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