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119-hr-166119th CongressWALLET

Fair Lending for All Act

Sponsored By: Representative Green, Al [D-TX-9]

Introduced

Summary

Expand protected classes in credit law. The Fair Lending for All Act would add sexual orientation, gender identity, and an applicant's ZIP code or census tract to the Equal Credit Opportunity Act and tighten enforcement with testing, criminal penalties, and expanded mortgage data collection.

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  • Families and borrowers: It would bar credit discrimination for sexual orientation, gender identity, and neighborhood (ZIP code or census tract). Home Mortgage Disclosure Act reporting would collect those fields plus income and demographic data to help identify patterns of discrimination.
  • Lenders and executives: The bill would create new criminal penalties. Individual violations can carry fines up to $50,000 and up to 1 year in prison. Pattern-or-practice violations can carry fines up to $100,000 per violation and up to 20 years in prison. Executives who knowingly direct violations could face fines equal to up to 100 percent of compensation and up to 5 years in prison.
  • Regulators and enforcement: It would create a CFPB Office of Fair Lending Testing with a civil service director on a five-year term to run undercover compliance tests, review loan applications and processes, and refer possible violations to the Attorney General. The CFPB and Attorney General must include testing results and summaries of criminal enforcement in their reports.

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Stronger protections against credit discrimination

This bill would ban credit discrimination on more grounds. It would cover race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, and age if you can legally contract. It would also bar bias based on ZIP Code or census tract, income from public assistance, or for using your rights under the Consumer Credit Protection Act. The bill would also change wording to protect any “person,” and allow an “aggrieved person” who claims harm to bring a case.

More home loan data lenders must report

Lenders would have to collect and report more details about home loan applicants. The list would include ZIP Code, census tract, income level, race, color, religion, national origin, sex, marital status, sexual orientation, gender identity, and age. The consumer bureau could also require these categories as needed to meet the law’s goals.

Undercover testing and tougher lending penalties

The bill would create a new Office of Fair Lending Testing at the consumer bureau with a director serving five years. The office could use undercover testers and must refer suspected violations to the Attorney General. The bureau could review loan applications and intake processes and ban any that break the law. People who knowingly violate the credit discrimination law could face fines up to $50,000 and up to one year in jail. A pattern of violations could bring up to $100,000 per violation or up to 20 years in prison, and company leaders could pay up to 100% of their pay and face up to five years. The consumer bureau and the Attorney General would include testing and criminal case summaries in their reports.

Sponsors & CoSponsors

Sponsor

Green, Al [D-TX-9]

TX • D

Cosponsors

  • Rep. Tlaib, Rashida [D-MI-12]

    MI • D

    Sponsored 8/31/2026

Roll Call Votes

No roll call votes available for this bill.

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