Prohibition on credit discrimination

(a) In general Subsection (a) of section 701 of the Equal Credit Opportunity Act (15 U.S.C. 1691) is amended to read as follows: (a) It shall be unlawful to discriminate against any person, with respect to any aspect of a credit transaction— (1) on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, or age (provided the applicant has the capacity to contract); (2) on the basis of the person’s ZIP Code, or census tract; (3) because all or part of the person's income derives from any public assistance program; or (4) because the person has in good faith exercised any right under the Consumer Credit Protection Act.. (b) Removal of certain references to creditors and applicants and definition added The Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.) is amended— (1) in section 701(b)— (A) by striking applicant each place such term appears and inserting person; and (B) in paragraph (2), by striking applicant’s each place such term appears and inserting person’s; (2) in section 702— (A) by redesignating subsection (g) as subsection (h); and (B) by inserting after subsection (f) the following: (g) The term aggrieved person includes any person who— (1) claims to have been injured by a discriminatory credit practice; or (2) believes that such person will be injured by a discriminatory credit practice.; (3) in section 704A— (A) in subsection (b)(1), by striking applicant each place such term appears and inserting aggrieved person; and (B) in subsection (c), by striking applicant and inserting aggrieved person; (4) in section 705— (A) by striking the applicant each place such term appears and inserting persons; and (B) in subsection (a)— (i) by striking a creditor to take and inserting taking; and (ii) by striking applicant and inserting person; and (5) in section 706— (A) by striking creditor each place such term appears and inserting person; (B) by striking creditor’s each place such term appears and inserting person’s; (C) by striking creditors each place such term appears and inserting persons; and (D) in subsection (f), by striking applicant and inserting aggrieved person.