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by subsection (b), is further amended by adding at the 
end the following: 
‘‘(h) The term ‘gender identity’ means the gender- 
related identity, appearance, mannerisms, or other gender- 
related characteristics of an individual, regardless of the 
individual’s designated sex at birth. 
‘‘(i) The term ‘sex’ includes— 
‘‘(1) a sex stereotype; 
‘‘(2) pregnancy, childbirth, or a related medical 
condition; 
‘‘(3) sexual orientation or gender identity; and 
‘‘(4) sex characteristics, including intersex 
traits. 
‘‘(j) The term ‘sexual orientation’ means homosex-
uality, heterosexuality, or bisexuality. 
‘‘(k) The term ‘race’, ‘color’, ‘religion’, ‘national ori-
gin’, ‘sex’ (including ‘sexual orientation’ and ‘gender iden-
tity’), ‘marital status’, or ‘age’, used with respect to an 
individual, includes— 
‘‘(1) the race, color, religion, national origin, 
sex (including sexual orientation and gender iden-
tity), marital status, or age, respectively, of another 
person with whom the individual is associated or has 
been associated; and 
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‘‘(2) a perception or belief, even if inaccurate, 
concerning the race, color, religion, national origin, 
sex (including sexual orientation and gender iden-
tity), marital status, or age, respectively, of the indi-
vidual.’’. 
(d) RULES OF CONSTRUCTION.—Section 701 of the 
Equal Credit Opportunity Act (15 U.S.C. 1691) is amend-
ed by adding at the end the following: 
‘‘(f) RULES OF CONSTRUCTION.— 
‘‘(1) 
CLAIMS
AND
REMEDIES
NOT
PRE-
CLUDED.—Nothing in this title shall be construed to 
limit the claims or remedies available to any indi-
vidual for an unlawful practice on the basis of race, 
color, religion, sex (including sexual orientation and 
gender identity), or national origin, including claims 
brought pursuant to section 1979 or 1980 of the Re-
vised Statutes (42 U.S.C. 1983, 1985) or any other 
law, including a Federal law, regulation, or policy. 
‘‘(2) NO
NEGATIVE
INFERENCE.—Nothing in 
this title shall be construed to support any inference 
that any Federal law prohibiting a practice on the 
basis of sex does not prohibit discrimination on the 
basis of pregnancy, childbirth, or a related medical 
condition, sexual orientation, gender identity, or a 
sex stereotype.’’. 
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SEC. 323. 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 
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— 
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‘‘(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.’’. 
SEC. 324. 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 
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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.’’. 
SEC. 325. MORTGAGE DATA COLLECTION. 
(a) IN GENERAL.—Section 304(b)(4) of the Home 
Mortgage Disclosure Act of 1975 (12 U.S.C. 2803(b)(4)) 
is amended by striking ‘‘census tract, income level, racial 
characteristics, age, and gender’’ and inserting ‘‘the appli-
cant or borrower’s zip code, census tract, income level, 
race, color, religion, national origin, sex, marital status, 
sexual orientation, gender identity, disability status, vet-
eran status, and age’’. 
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