DISCRIMINATION IN THE ISSUANCE OF CREDIT

 

WHAT IS CREDIT DISCRIMINATION?

The Ohio Civil Rights Commission investigates charges of discrimination with regard to being approved for, or denied credit within the State of Ohio. Both creditors (those giving credit) and credit reporting agencies are covered by this law. The act of discrimination must have occurred no more than six (6) months prior to the date of filing the charge of discrimination.  

Examples of credit discrimination include:

  • Denial of credit
  • Imposing different terms or conditions in credit
  • Making any inquiry and using that information to limit or specify who will receive credit
  • Refusing to consider the sources of income for an applicant
  • Failing or refusing to provide an applicant the reason credit was denied
     

CAN I FILE A CHARGE OF DISCRIMINATION?

To determine if your issue can be investigated by the Ohio Civil Rights Commission, please answer the following questions:

  • Were you subjected to a different treatment than other members of the public in your application for credit?
  • Did the act of discrimination happen within six (6) months from the date you are filing the charge?
  • Do you think the action taken is related to your race, color, sex, religion, disability, national origin, ancestry, age (18 years old or older), marital status, military status, or in retaliation for engaging in a protected activity (protesting discrimination)?

If you answered yes to all three questions above, you can file a charge of discrimination with the Ohio Civil Rights Commission.  If you did not answer yes to all three, you can still file a charge and the Commission will determine if the matter is jurisdictional and will proceed accordingly.

 

Charges are not considered officially filed until they are properly signed, notarized, and received by the Ohio Civil Rights Commission.

 

Click here to file a Charge of Discrimination in the Issuance of Credit online