Fair Lending for All Act
Official title: To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act, to… Show full official titleShow less
Official title: To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act, to ensure that persons injured by discriminatory practices, including organizations that have diverted resources to address discrimination and whose mission has been frustrated by illegal acts, can seek relief under such Act and to provide for criminal penalties for violating such Act, and for other purposes.
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
Referred to the House Committee on Financial Services.
Fair Lending for All Act
This bill adds classes of individuals protected under the Equal Credit Opportunity Act.
With respect to credit transactions, the bill adds sexual orientation, gender identity, and an applicant's location based on zip code or census tract as classes protected against discrimination. (Currently, discrimination is prohibited on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives public assistance.)
The bill establishes criminal penalties for violations of prohibited credit discrimination.
The Consumer Financial Protection Bureau is required to review loan applications for compliance with specified consumer laws and to establish an Office of Fair Lending Testing.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 166: Fair Lending for All Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-166/
"H.R. 166: Fair Lending for All Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-166/.
H.R. 166, 119th Cong. (2026), https://openamerica.io/bill/119-HR-166/.
[H.R. 166: Fair Lending for All Act](https://openamerica.io/bill/119-HR-166/)