arrow_back Back to App

Strengthening Credit Protection: Banning Discrimination, New Penalties, and Oversight.

This law significantly expands protection against discrimination when applying for credit, adding new prohibited grounds such as ZIP Code, gender identity, or income from public assistance. It establishes a new office to test lender fairness and introduces severe criminal penalties for knowingly violating anti-discrimination rules. Citizens gain greater ability to seek relief, and lending companies face strict oversight.
Key points
Expanded Discrimination Protection: Lenders are explicitly prohibited from denying credit based on ZIP Code, census tract, sexual orientation, gender identity, or income derived from public assistance programs.
New Federal Oversight: A new federal office will actively test (using undercover individuals) lender fairness and refer violations to the Attorney General for prosecution.
Severe Penalties: New criminal penalties, including high fines (up to $100,000 per violation) and imprisonment (up to 20 years), are introduced for knowing and willful violations of anti-discrimination laws.
Easier Legal Action: The definition of "aggrieved person" is broadened, making it easier for individuals and organizations to seek relief and damages for discriminatory credit practices.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 118_HR_166
Sponsor: Rep. Green, Al [D-TX-9]
Process start date: 2023-01-09
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-flash-latest
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Fair Lending for All Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_166.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2023-01-09.

What are the main provisions?

Key points include:

  • Expanded Discrimination Protection: Lenders are explicitly prohibited from denying credit based on ZIP Code, census tract, sexual orientation, gender identity, or income derived from public assistance programs.
  • New Federal Oversight: A new federal office will actively test (using undercover individuals) lender fairness and refer violations to the Attorney General for prosecution.
  • Severe Penalties: New criminal penalties, including high fines (up to $100,000 per violation) and imprisonment (up to 20 years), are introduced for knowing and willful violations of anti-discrimination laws.
  • Easier Legal Action: The definition of "aggrieved person" is broadened, making it easier for individuals and organizations to seek relief and damages for discriminatory credit practices.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Green, Al [D-TX-9].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-30.

CATEGORIES

Courts and Law Economy Real Estate