Question 26
Domain 1: Federal Mortgage-Related LawsWhich protected class is covered by the Fair Housing Act but NOT by ECOA?
Correct answer: C
Explanation
The Fair Housing Act prohibits discrimination based on "familial status," which includes households with children under 18 and pregnant individuals. ECOA covers credit discrimination based on race, color, religion, national origin, sex, marital status, age, and public assistance status, but it does not list familial status.
Why each option is right or wrong
A. Sex
B. Religion
C. Familial status
The Fair Housing Act, 42 U.S.C. § 3604, expressly includes familial status as a protected characteristic, defined in 42 U.S.C. § 3602(k) to cover households with one or more children under 18, pregnant persons, and those securing custody of children. By contrast, ECOA, 15 U.S.C. § 1691(a), limits credit-discrimination protections to race, color, religion, national origin, sex, marital status, age, and receipt of public assistance, so familial status is not among its covered classes.
D. National origin