Freedom from Discrimination in Credit Act of 2015

Bill: 114-s-1330
Sponsor: full_name: Sen. Murray, Patty [D-WA]
Introduced: 2015-05-13
Policy area: Finance and Financial Sector
Subjects: Consumer credit

Sex, gender, sexual orientation discrimination
Latest action: action_date: 2015-05-13
text: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Summaries:
action_date: 2015-05-13
action_desc: Introduced in Senate
text: <p><strong>Freedom from Discrimination in Credit Act of 2015</strong></p> <p>Amends the Equal Credit Opportunity Act to expand the categories of prohibited discrimination when extending credit to include discrimination on account of sexual orientation or gender identity. (Currently, such discrimination in credit is prohibited only on the basis of race, color, religion, national origin, sex or marital status, or age.)</p> <p>Provides for such Act to apply whether the basis for certain prohibited forms of discrimination is actual or perceived. </p> <p>Defines: (1) "gender identity" as the gender-related identity, appearance, or mannerisms or other gender-related characteristics of an individual with or without regard to the individual's designated sex at birth; (2) "person" as a natural person, corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association; and (3) "sexual orientation" as homosexuality, heterosexuality, or bisexuality.</p>

tv_txt: II 114th CONGRESS 1st Session S. 1330 IN THE SENATE OF THE UNITED STATES May 13, 2015 Mrs. Murray (for herself, Mr. Franken , Ms. Warren , Mr. Merkley , Mr. Booker , Mr. Schatz , Mr. Markey , Mrs. Shaheen , Ms. Hirono , Ms. Baldwin , Mrs. Feinstein , and Mrs. Boxer ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend the Equal Credit Opportunity Act to prohibit discrimination on account of sexual orientation or gender identity when extending credit.

1. Short title This Act may be cited as the Freedom from Discrimination in Credit Act of 2015 . 2. Prohibition against discrimination on account of sexual orientation or gender identity Subsection (a)(1) of section 701 of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) is amended by striking on the basis of race, color, religion, national origin, sex or marital status, and inserting , actual or perceived, on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity, or marital status, . 3. Definitions Section 702 of the Equal Credit Opportunity Act ( 15 U.S.C. 1691a ) is amended— (1) by striking subsections (f) and (g); and (2) by inserting after subsection (e) the following new subsections: (f) The term gender identity means the gender-related identity, appearance, or mannerisms or other gender-related characteristics of an individual, with or without regard to the individual’s designated sex at birth. (g) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. (h) The term sexual orientation means homosexuality, heterosexuality, or bisexuality. (i) Any reference to any requirement imposed under this title or any provision of this title shall be deemed to include a reference to the regulations of the Bureau under this title or the provision of this title in question. .