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The reasonable financing rules broadly prohibit two forms of discrimination: disparate therapy and disparate effect.

The reasonable financing rules broadly prohibit two forms of discrimination: disparate therapy and disparate effect.

In a few instances, both theories may use. Disparate therapy happens when a lender treats a customer differently due to a protected attribute. Disparate therapy ranges from overt discrimination to more subdued variations in therapy that may damage customers and will not must be inspired by prejudice or an intent that is conscious discriminate. The Federal Reserve has made many recommendations towards the U.S. Department of Justice (DOJ) involving treatment that is disparate prices where bank employees charged greater fees or interest levels on loans to minorities than to comparably qualified nonminority consumers.