Equal Credit Opportunity Act
15 U.S.C. §1691(a)
(a) It shall be unlawful for any creditor to
discriminate against any applicant, with respect to any
aspect of a credit transaction --
(1) on the basis of race,
color, religion, national origin, sex or marital status, or
age (provided the applicant has the capacity to contract);
(2) because all or part of the applicant's income derives
from any public assistance program.
15 U.S.C. §1691a(e)
(e) The term "creditor" means any person who regularly
extends, renews, or continues credit; any person who
regularly arranges for the extension, renewal, or
continuation of credit; or any assignee of an original
creditor who participates in the decision to extend, renew,
or continue credit.
15 U.S.C. §1691(e)
(a) Any creditor who fails to comply with any
requirement imposed under this subchapter shall be
liable to the aggrieved applicant for any actual
damages sustained by such applicant acting either in an
individual capacity or as a member of a class.
12 C.F.R. §202.2(l)
(1) Creditor means a person who, in the ordinary course
of business, regularly participates in the decision of
whether or not to extend credit. The term includes a
creditor's assignee, transferee, or subrogee who so
participates. For purposes of sections 202.4 and 202.5(a),
the term also includes a person who, in the ordinary course
of business, regularly refers applicants or prospective
applicants to creditors, or selects or offers to select
creditors to whom requests for credit may be made . . . .