source:
  type: regulation
  id: reg-b-1002.6
  authority: 12 CFR §1002.6 — Rules concerning evaluation of applications
  description: 'Regulation B §1002.6 governs how [LENDER] may evaluate credit

    applications under the effects-test framework.

    '
obligations:
- id: reg-b-1002.6-a
  canonical_id: reg-b-1002.6-a
  section: 12 CFR §1002.6(a)
  description: '(a): (a) General rule concerning use of information. Except as otherwise provided in the
    Act and this part, a creditor may consider any information obtained, so long as the information is
    not used to discriminate against an applicant on a prohibited basis . The legislative history of the
    Act indicates th…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.6
    snapshot_id: d09a1b6f714dd480
    fetched_at: '2026-05-22T18:23:00Z'
    content_hash: sha256:df23696c317cfd5547389ab87c9b6034c2a555c326358f594fe8c70107b18421
    paragraph_quote: (a) General rule concerning use of information. Except as otherwise provided in the
      Act and this part, a creditor may consider any information obtained, so long as the information
      is not used to discriminate against an applicant on a prohibited basis . The legislative history
      of the Act indicates that the Congress intended an “effects test” concept, as outlined in the employment
      field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 (1971) , and Albemarle
      Paper Co. v. Moody, 422 U.S. 405 (1975) , to be applicable to a creditor 's determination of creditworthiness.
    drafter_attestation: Verbatim subsection of 12 CFR §1002.6 from Cornell LII snapshot d09a1b6f714dd480;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.6-b
  canonical_id: reg-b-1002.6-b
  section: 12 CFR §1002.6(b)
  description: '(b): (b) Specific rules concerning use of information. (1) Except as provided in the Act
    and this part, a creditor shall not take a prohibited basis into account in any system of evaluating
    the creditworthiness of applicants. (2) Age, receipt of public assistance.'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.6
    snapshot_id: d09a1b6f714dd480
    fetched_at: '2026-05-22T18:23:00Z'
    content_hash: sha256:df23696c317cfd5547389ab87c9b6034c2a555c326358f594fe8c70107b18421
    paragraph_quote: (b) Specific rules concerning use of information. (1) Except as provided in the Act
      and this part, a creditor shall not take a prohibited basis into account in any system of evaluating
      the creditworthiness of applicants. (2) Age, receipt of public assistance.
    drafter_attestation: Verbatim subsection of 12 CFR §1002.6 from Cornell LII snapshot d09a1b6f714dd480;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.6-i
  canonical_id: reg-b-1002.6-i
  section: 12 CFR §1002.6(i)
  description: '(i): (i) Except as permitted in this paragraph, a creditor shall not take into account
    an applicant ''s age (provided that the applicant has the capacity to enter into a binding contract)
    or whether an applicant ''s income derives from any public assistance program . (ii) In an empirically
    derived, demonst…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.6
    snapshot_id: d09a1b6f714dd480
    fetched_at: '2026-05-22T18:23:00Z'
    content_hash: sha256:df23696c317cfd5547389ab87c9b6034c2a555c326358f594fe8c70107b18421
    paragraph_quote: '(i) Except as permitted in this paragraph, a creditor shall not take into account
      an applicant ''s age (provided that the applicant has the capacity to enter into a binding contract)
      or whether an applicant ''s income derives from any public assistance program . (ii) In an empirically
      derived, demonstrably and statistically sound, credit scoring system, a creditor may use an applicant
      ''s age as a predictive variable, provided that the age of an elderly applicant is not assigned
      a negative factor or value. (iii) In a judgmental system of evaluating creditworthiness, a creditor
      may consider an applicant ''s age or whether an applicant ''s income derives from any public assistance
      program only for the purpose of determining a pertinent element of creditworthiness. (iv) In any
      system of evaluating creditworthiness, a creditor may consider the age of an elderly applicant when
      such age is used to favor the elderly applicant in extending credit . (3) Childbearing, childrearing.
      In evaluating creditworthiness, a creditor shall not make assumptions or use aggregate statistics
      relating to the likelihood that any category of persons will bear or rear children or will, for
      that reason, receive diminished or interrupted income in the future. (4) Telephone listing. A creditor
      shall not take into account whether there is a telephone listing in the name of an applicant for
      consumer credit but may take into account whether there is a telephone in the applicant ''s residence.
      (5) Income. A creditor shall not discount or exclude from consideration the income of an applicant
      or the spouse of an applicant because of a prohibited basis or because the income is derived from
      part-time employment or is an annuity, pension, or other retirement benefit; a creditor may consider
      the amount and probable continuance of any income in evaluating an applicant ''s creditworthiness.
      When an applicant relies on alimony, child support, or separate maintenance payments in applying
      for credit , the creditor shall consider such payments as income to the extent that they are likely
      to be consistently made. (6) Credit history. To the extent that a creditor considers credit history
      in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount
      of credit , in evaluating an applicant ''s creditworthiness a creditor shall consider:'
    drafter_attestation: Verbatim subsection of 12 CFR §1002.6 from Cornell LII snapshot d09a1b6f714dd480;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.6-i
  canonical_id: reg-b-1002.6-i
  section: 12 CFR §1002.6(i)
  description: '(i): (i) The credit history, when available, of accounts designated as accounts that the
    applicant and the applicant ''s spouse are permitted to use or for which both are contractually liable
    ; (ii) On the applicant ''s request, any information the applicant may present that tends to indicate
    the credit hi…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.6
    snapshot_id: d09a1b6f714dd480
    fetched_at: '2026-05-22T18:23:00Z'
    content_hash: sha256:df23696c317cfd5547389ab87c9b6034c2a555c326358f594fe8c70107b18421
    paragraph_quote: (i) The credit history, when available, of accounts designated as accounts that the
      applicant and the applicant 's spouse are permitted to use or for which both are contractually liable
      ; (ii) On the applicant 's request, any information the applicant may present that tends to indicate
      the credit history being considered by the creditor does not accurately reflect the applicant 's
      creditworthiness; and (iii) On the applicant 's request, the credit history, when available, of
      any account reported in the name of the applicant 's spouse or former spouse that the applicant
      can demonstrate accurately reflects the applicant 's creditworthiness. (7) Immigration status. A
      creditor may consider the applicant 's immigration status or status as a permanent resident of the
      United States, and any additional information that may be necessary to ascertain the creditor 's
      rights and remedies regarding repayment. (8) Marital status. Except as otherwise permitted or required
      by law, a creditor shall evaluate married and unmarried applicants by the same standards; and in
      evaluating joint applicants , a creditor shall not treat applicants differently based on the existence,
      absence, or likelihood of a marital relationship between the parties. (9) Race, color, religion,
      national origin, sex. Except as otherwise permitted or required by law, a creditor shall not consider
      race, color, religion, national origin, or sex (or an applicant 's or other person 's decision not
      to provide the information) in any aspect of a credit transaction .
    drafter_attestation: Verbatim subsection of 12 CFR §1002.6 from Cornell LII snapshot d09a1b6f714dd480;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.6-c
  canonical_id: reg-b-1002.6-c
  section: 12 CFR §1002.6(c)
  description: '(c): (c) State property laws. A creditor ''s consideration or application of state property
    laws directly or indirectly affecting creditworthiness does not constitute unlawful discrimination
    for the purposes of the Act or this part. CFR Toolbox Law about... Articles from Wex Table of Popular
    Names Paralle…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.6
    snapshot_id: d09a1b6f714dd480
    fetched_at: '2026-05-22T18:23:00Z'
    content_hash: sha256:df23696c317cfd5547389ab87c9b6034c2a555c326358f594fe8c70107b18421
    paragraph_quote: (c) State property laws. A creditor 's consideration or application of state property
      laws directly or indirectly affecting creditworthiness does not constitute unlawful discrimination
      for the purposes of the Act or this part. CFR Toolbox Law about... Articles from Wex Table of Popular
      Names Parallel Table of Authorities Accessibility About LII Contact us Advertise here Help Terms
      of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR §1002.6 from Cornell LII snapshot d09a1b6f714dd480;
      body isolated between nav and notes; substring-verified.
  judgment: false
