Under Regulation B (ECOA), creditors may ask about permanent residency or immigration status because this is relevant to the creditor’s ability to enforce rights in the event of default. However, they may not ask about childbearing, and other options are either unnecessary or potentially discriminatory.
“A creditor may inquire about an applicant’s permanent residency and immigration status.”
— 12 CFR § 1002.5(e); Regulation B
[References:, , CFPB, ECOA Regulation B - Information a Lender May Request, , ===========, , ]
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