<?xml version='1.0' encoding='utf-8'?>
<section article="gcl" article_name="Commercial Law" number="12-705" title_number="12" title_name="Credit Regulations" subtitle_number="7" subtitle_name="Equal Credit Opportunity Act">
  <text>Prohibited discriminatory practices include any:</text>
  <level label="1">
    <text>Refusal to consider both applicants’ income when both parties of a marriage party apply for a joint account;</text>
  </level>
  <level label="2">
    <text>Refusal to consider alimony or child support awarded by a court and received by the applicant as a valid source of income, where that source can be verified as to its amount, length of time received, and regularity of receipt;</text>
  </level>
  <level label="3">
    <text>Refusal to extend credit to any person solely because of marital status or change in marital status;</text>
  </level>
  <level label="4">
    <text>Refusal to issue separate accounts to married persons where each would be credit worthy if unmarried;</text>
  </level>
  <level label="5">
    <text>Request for or consideration of the credit rating of an applicant’s spouse where the applicant is otherwise credit worthy and is not applying for a joint account unless the applicant lists credit references in the name of spouse or former spouse or has no individual prior credit history or the creditor permits the applicant to designate the applicant’s spouse as an authorized purchaser on the account;</text>
  </level>
  <level label="6">
    <text>Refusal to recognize the legal name of any married person; and</text>
  </level>
  <level label="7">
    <text>Requests for or consideration of information about birth control practices in evaluating any credit application.</text>
  </level>
</section>
