Skip to main content

Can a lender consider my race, color, religion, or sex?

Generally, when you apply for a loan, a lender cannot base their decision on your race, color, religion, or sex (including sexual orientation and gender identity).

This applies to most lenders, including companies that offer auto loans, student loans, and credit cards, among others.

To comply with antidiscrimination laws, most mortgage lenders are required to ask about your race, ethnicity, and sex.

Submit a complaint with the CFPB

If you believe a lender has discriminated against you for any reason, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You’ll need the dates, amounts, and other details about your complaint before submitting. We’ll provide you a way to monitor the status and progress of your complaint.

Learn more about fair lending.