A lender in Salt Lake County, Utah charges a higher interest rate to a borrower solely because the borrower was born in a foreign country, even though the borrower has excellent credit. The borrower files a fair housing complaint. Which federal protected class is most directly applicable to this lending discrimination?
Correct Answer
D) National origin
National origin is a federally protected class under the Fair Housing Act (42 U.S.C. § 3605), which extends fair housing protections to residential real estate-related transactions including mortgage lending. Charging a higher interest rate based solely on a borrower's country of birth is discrimination based on national origin. The Equal Credit Opportunity Act (ECOA) also prohibits this conduct. Utah licensees must understand that fair housing protections apply to financing, not just sales and rentals.
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Related Topics & Key Terms
Key Terms:
Related Concepts
FREC has the authority to impose fines and other disciplinary actions on licensees who violate real estate laws and rules.
A group boycott is an illegal antitrust practice in which two or more competing real estate businesses agree to refuse to work with a specific person, company, or entity in order to harm that party's ability to compete.
In real estate, the distinction between an independent contractor and an employee determines tax treatment, liability, and the level of control a broker may exercise over the agent's daily activities. Most real estate agents operate as independent contractors.
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