(a) Discrimination. A creditor shall not discriminate against an
applicant on a prohibited basis regarding any aspect of a credit transaction.
(b) Discouragement. A creditor shall not make any oral or written statement, in advertising or
otherwise, to applicants or prospective applicants that would discourage
on a prohibited basis a reasonable person from making or pursuing
an application.
(c) Written
applications. A creditor shall take written applications for
the dwelling-related types of credit covered by section 1002.13(a).
(d) Form of disclosures.
(1) General rule. A creditor that provides in writing any disclosures
or information required by this part must provide the disclosures
in a clear and conspicuous manner and, except for the disclosures
required by sections 1002.5 and 1002.13, in a form the applicant may
retain.
(2) Disclosures in electronic form. The disclosures
required by this part that are required to be given in writing may
be provided to the applicant in electronic form, subject to compliance
with the consumer consent and other applicable provisions of the Electronic
Signatures in Global and National Commerce Act (E-Sign Act) (15 U.S.C.
7001 et seq.). Where the disclosures under sections 1002.5(b)(1),
1002.5(b)(2), 1002.5(d)(1), 1002.5(d)(2), 1002.13, and 1002.14(a)(2)
accompany an application accessed by the applicant in electronic form,
these disclosures may be provided to the applicant in electronic form
on or with the application form, without regard to the consumer consent
or other provisions of the E-Sign Act.
(e) Foreign-language disclosures. Disclosures may be made in languages other than English, provided
they are available in English upon request.
