Sally applied for a real estate loan. The lender can lawfully require her to answer questions in regards to her:

Marital status is generally protected information that lenders cannot require applicants to disclose, as it could lead to discrimination under fair lending laws. While lenders can ask about joint accounts or dependents, they cannot make loan decisions based on marital status.

Race is a protected characteristic under fair lending laws and cannot be used as a basis for lending decisions. Lenders are prohibited from requiring applicants to disclose their race, and doing so could constitute discrimination.

Income is actually information lenders can lawfully require applicants to provide as it's essential for determining loan eligibility and repayment capacity. The correct answer is C, not D.