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Chapter 8, 9, 10 and 11

Horizontales
Actions which are not openly discriminatory but yield discriminatory results
Failure to provide financing or insurance in certain communities based on the demographics of that community
A 1974 federal enactment prohibiting lenders from discriminating against borrowers from a protected class
Housing intended for individuals 55 or 62 years of age or older
Verticales
A regulatory scheme requiring lenders to publicly release loan data (acronym)
Unequal treatment given to members of a protected class of individuals
A private agency which collects and reports information regarding an individual's credit history
Percentage of monthly gross income that goes towards paying debt