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The fair lending rules broadly prohibit two forms of discrimination: disparate therapy and disparate effect.

The fair lending rules broadly prohibit two forms of discrimination: disparate therapy and disparate effect.

In certain circumstances, both theories may use. Disparate therapy takes place when a lender treats a customer differently due to a characteristic that is protected. Disparate therapy ranges from overt discrimination to more subdued variations in therapy that may damage consumers and will not must be inspired by prejudice or an intent that is conscious discriminate. The Federal Reserve has made many referrals to your U.S.