---
title: "Review a credit file for Equal Credit Opportunity Act risk"
url: "https://ailawframework.com/practice/financial-services-regulation/review-credit-files-against-the-responsible-lending-or-suitability-asses/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A28-T1-R5-US"
practice_area: "Financial Services Regulation (AFSL/ASIC/credit)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Review a credit file for Equal Credit Opportunity Act risk

> Extract the adverse-action notice, the reasons it states, and any field that records race, color, religion, national origin, sex, marital status, age or public-assistance income. Do not rewrite the notice.

Canonical page: https://ailawframework.com/practice/financial-services-regulation/review-credit-files-against-the-responsible-lending-or-suitability-asses/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Financial Services Regulation (AFSL/ASIC/credit)](https://ailawframework.com/practice/financial-services-regulation.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Extract the adverse-action notice, the reasons it states, and any field that records race, color, religion, national origin, sex, marital status, age or public-assistance income. Do not rewrite the notice. |
| What the lawyer must review | 15 U.S.C. § 1691(a) makes it unlawful for a creditor to discriminate in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, or age if the applicant has capacity to contract; because income comes from a public assistance program; or because the applicant exercised a right under the Consumer Credit Protection Act in good faith. Section 1691(d) entitles an applicant against whom adverse action is taken to a statement of specific reasons. You decide whether this file meets that duty. A comparison of outcomes is not, by itself, a finding of discrimination. |
| Written for | United States |
| Applies to | [Review credit files against the responsible-lending or suitability assessment](https://ailawframework.com/practice/financial-services-regulation/review-credit-files-against-the-responsible-lending-or-suitability-asses.md) |

## Checking plan

- What the AI does: Extract the adverse-action notice, the reasons it states, and any field that records race, color, religion, national origin, sex, marital status, age or public-assistance income. Do not rewrite the notice.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The EEOC page is about employment, not credit. Use it only if the same tool is also used to hire or fire. Credit discrimination is § 1691.
- Regulation B contains the adverse-action form details. This version does not restate Regulation B.

## Sources

- [15 U.S.C. § 1691, Equal Credit Opportunity Act scope and adverse action](https://www.law.cornell.edu/uscode/text/15/1691) (checked 2026-10-22)
- [EEOC, What is the EEOC's role in AI? (29 April 2024)](https://www.eeoc.gov/sites/default/files/2024-04/20240429_What%20is%20the%20EEOCs%20role%20in%20AI.pdf) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*