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Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn’t mean all consumers who apply for creidit get it: Factors such as income, expenses, debt, and creidit history are considerations for creditworthiness. The law protects you when you deal with any creditor who regularly extends creidt, including banks, small loan and finance companies, retail and department stores, credet card companies, and credit unions. Anyone involved in granting funding, such as real estate brokers who arrange financing, is covered by the law. Businesses applying for credit also are protected by the law. http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.htm

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