Which scenario would most likely constitute disparate treatment discrimination?
Correct Answer
B) A loan officer tells an African American couple they don't qualify, while approving a white couple with identical qualifications
This scenario shows intentional differential treatment of similarly situated applicants based on race, which is the hallmark of disparate treatment discrimination. The other options describe situations that could constitute disparate impact discrimination, where facially neutral policies have discriminatory effects.
Why This Is the Correct Answer
This scenario shows intentional differential treatment of similarly situated applicants based on race, which is the hallmark of disparate treatment discrimination. The other options describe situations that could constitute disparate impact discrimination, where facially neutral policies have discriminatory effects.
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An MLO's laptop containing unencrypted borrower files is stolen from their car. Which action is NOT required under federal privacy regulations?
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A mortgage loan originator repeatedly calls a borrower's workplace after being told by the borrower's supervisor that personal calls are not permitted. This conduct would most likely violate: