{"page":"/blog/fair-lending-advertising-rules","modified":"2026-11-10","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Item","ECOA and Regulation B","Fair Housing Act and HUD rules"],"rows":[["Products","All credit","Sale and rental of housing; mortgage and other residential real estate credit"],["Protected bases","Race, color, religion, national origin, sex, marital status, age, public assistance income, good-faith exercise of consumer credit rights (15 U.S.C. § 1691(a))","Race, color, religion, sex, handicap, familial status, national origin (42 U.S.C. § 3604)"],["Advertising rule","Discouragement, § 1002.4(b)","Discriminatory notices, statements and ads, § 3604(c) and 24 CFR § 100.75"],["Who is covered","Creditors","Anyone who makes, prints or publishes, or causes it"],["Media and audience selection","Not named in the rule text; targeted encouragement addressed in comment 4(b)-1","Named: \"selecting media or locations for advertising\", § 100.75(c)(3)"],["Disparate impact","Rejected in comment 6(a)-2 since 21 July 2026; under legal challenge","§ 100.500 still in force; HUD has proposed removing it"]],"sourceUrls":[[],["https://www.law.cornell.edu/uscode/text/15/1691","https://www.law.cornell.edu/uscode/text/42/3604"],["https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.4","https://www.law.cornell.edu/uscode/text/42/3604","https://www.law.cornell.edu/cfr/text/24/100.75"],[],["https://www.law.cornell.edu/cfr/text/24/100.75"],["https://www.law.cornell.edu/cfr/text/24/100.500"]]}