‘‘(1) on the basis of race, color, religion, na-
tional origin, sex (including sexual orientation and 
gender identity), marital status, or age (provided the 
applicant has the capacity to contract); 
‘‘(2) on the basis of the person’s ZIP Code, or 
census tract; 
‘‘(3) because all or part of the person’s income 
derives from any public assistance program; or 
‘‘(4) because the person has in good faith exer-
cised any right under the Consumer Credit Protec-
tion Act.’’. 
(b) REMOVAL OF CERTAIN REFERENCES TO CREDI-
TORS AND APPLICANTS AND DEFINITION ADDED.—The 
Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.) 
is amended— 
(1) in section 701(b)— 
(A) by striking ‘‘applicant’’ each place 
such term appears and inserting ‘‘person’’; and 
(B) in paragraph (2), by striking ‘‘appli-
cant’s’’ each place such term appears and in-
serting ‘‘person’s’’; 
(2) in section 702— 
(A) by redesignating subsection (g) as sub-
section (h); and 
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(B) by inserting after subsection (f) the 
following: 
‘‘(g) The term ‘aggrieved person’ includes any person 
who— 
‘‘(1) claims to have been injured by a discrimi-
natory credit practice; or 
‘‘(2) believes that such person will be injured by 
a discriminatory credit practice.’’; 
(3) in section 704A— 
(A) in subsection (b)(1), by striking ‘‘ap-
plicant’’ each place such term appears and in-
serting ‘‘aggrieved person’’; and 
(B) in subsection (c), by striking ‘‘appli-
cant’’ and inserting ‘‘aggrieved person’’; 
(4) in section 705— 
(A) by striking ‘‘the applicant’’ each place 
such term appears and inserting ‘‘persons’’; and 
(B) in subsection (a)— 
(i) by striking ‘‘a creditor to take’’ 
and inserting ‘‘taking’’; and 
(ii) by striking ‘‘applicant’’ and insert-
ing ‘‘person’’; and 
(5) in section 706— 
(A) by striking ‘‘creditor’’ each place such 
term appears and inserting ‘‘person’’; 
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(B) by striking ‘‘creditor’s’’ each place 
such term appears and inserting ‘‘person’s’’; 
(C) by striking ‘‘creditors’’ each place such 
term appears and inserting ‘‘persons’’; and 
(D) in subsection (f), by striking ‘‘appli-
cant’’ and inserting ‘‘aggrieved person’’. 
SEC. 4. CRIMINAL PENALTIES FOR VIOLATIONS OF THE 
EQUAL CREDIT OPPORTUNITY ACT. 
(a) IN GENERAL.—The Equal Credit Opportunity 
Act (15 U.S.C. 1691 et seq.) is amended by inserting after 
section 706 the following: 
‘‘§ 706A. Criminal penalties 
‘‘(a) INDIVIDUAL VIOLATIONS.—Any person who 
knowingly and willfully violates this title shall be fined not 
more than $50,000, or imprisoned not more than 1 year, 
or both. 
‘‘(b) PATTERN OR PRACTICE.— 
‘‘(1) IN GENERAL.—Any person who engages in 
a pattern or practice of knowingly and willfully vio-
lating this title shall be fined not more than 
$100,000 for each violation of this title, or impris-
oned not more than twenty years, or both. 
‘‘(2) PERSONAL LIABILITY OF EXECUTIVE OFFI-
CERS AND DIRECTORS OF THE BOARD.—Any execu-
tive officer or director of the board of an entity who 
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knowingly and willfully causes the entity to engage 
in a pattern or practice of knowingly and willfully 
violating this title (or who directs another agent, 
senior officer, or director of the entity to commit 
such a violation or engage in such acts that result 
in the director or officer being personally unjustly 
enriched) shall be— 
‘‘(A) fined in an amount not to exceed 100 
percent of the compensation (including stock 
options awarded as compensation) received by 
such officer or director from the entity— 
‘‘(i) during the time period in which 
the violations occurred; or 
‘‘(ii) in the one to three year time pe-
riod preceding the date on which the viola-
tions were discovered; and 
‘‘(B) imprisoned for not more than 5 
years.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
for the Equal Credit Opportunity Act (15 U.S.C. 1691 
et seq.) is amended by inserting after the item relating 
to section 706 the following: 
‘‘706A. Criminal penalties.’’. 
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SEC. 5. REVIEW OF LOAN APPLICATIONS. 
(a) IN GENERAL.—Subtitle C of the Consumer Fi-
nancial Protection Act of 2010 (12 U.S.C. 5531 et seq.) 
is amended by adding at the end the following: 
‘‘SEC. 1038. REVIEW OF LOAN APPLICATIONS. 
‘‘(a) IN GENERAL.—The Bureau shall carry out re-
views of loan applications and the process of taking loan 
applications being used by covered persons to ensure such 
applications and processes do not violate the Equal Credit 
Opportunity Act or any other Federal consumer financial 
law. 
‘‘(b) PROHIBITION AND ENFORCEMENT.—If the Bu-
reau determines under subsection (a) that any loan appli-
cation or process of taking a loan application violates the 
Equal Credit Opportunity Act or any other Federal con-
sumer financial law, the Bureau shall— 
‘‘(1) prohibit the covered person from using 
such application or process; and 
‘‘(2) take such enforcement or other actions 
with respect to the covered person as the Bureau de-
termines appropriate.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
in section 1 of the Dodd-Frank Wall Street Reform and 
Consumer Protection Act is amended by inserting after 
the item relating to section 1037 the following: 
‘‘Sec. 1038. Review of loan applications.’’. 
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