Texas Real Estate Brokerage Sales Apprentice Education (SAE) Practice Exam

Which category is NOT listed as a protected class under the Equal Credit Opportunity Act?

1. Sex

2. Marital Status

3. Disability

4. Political Affiliation

The correct answer is: Political Affiliation

The correct answer is that political affiliation is not listed as a protected class under the Equal Credit Opportunity Act (ECOA). The ECOA was established to prevent discrimination in credit transactions based on specific criteria. These criteria include race, color, religion, national origin, sex, marital status, age, and the applicant's receipt of income from a public assistance program. While sex, marital status, and disability are included as protected classes, political affiliation is not recognized under this specific legislation. This means that lenders cannot consider an applicant's political beliefs or party membership when making decisions about credit. Understanding the protected classes under ECOA is essential for ensuring fair treatment in lending practices and upholding consumer rights.