These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or references within this website, including HUD/FHA/USDA/VA. The inclusion of various educatrion information, web links, or materials are not an endorsement of the Sender or any of it’s employees or business partner. For information directly from HUD/FHA, visit www.hudclips.com. For more information directly from the VA, visit www.benefits.va.gov/homeloans. For information directly from USDA, visit: www.usda.gov.

The Equal Credit Opportunity Act (ECOA), as implemented by Regulation B, prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Prohibited bases under the ECOA are: race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the applicant’s income being derived from public assistance; or the applicant’s exercise in good faith of any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Consumer Financial Protection Bureau (CFPB).2 The ECOA and Regulation B apply to both consumer and commercial credit transactions, with limited exceptions.3