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3.2.10 Flashcard Review

Amanda Ukasick

Created on September 24, 2025

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Transcript

What does New York’s Fair Lending Law (Executive Law § 296-a) prohibit in mortgage lending?

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Discrimination in granting, withholding, extending, renewing, or setting credit terms based on sexual orientation or gender identity.

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What did the DFS study find about same-sex mortgage applicants?

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Same-sex pairs were denied loans more often and, when approved, often faced higher interest rates than opposite-sex pairs.

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What actions does DFS recommend to prevent sexual orientation discrimination in lending?

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Senior management oversight, continuous monitoring of loan data, semiannual staff training, supervisory review of denied same-sex applications, written policies for refinancing/collections, and regular policy updates.

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Question

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Answer

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question

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Answer

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question

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Answer DELETE "NEXT CARD" on the bottm right from the last flashcard

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