Complete the two-word phrase: The ______ __________ rules prohibit a creditor from considering certain information?

• A. medical information
• B. credit information
• C. financial data
• D. employment information

Answer: (A)

Health status information is protected, so creditors aren’t allowed to weigh it in credit decisions. The rules target medical information to prevent discrimination based on health or medical conditions, ensuring that credit decisions are based on financial ability to repay—like income, debts, and credit history—rather than health status. That’s why completing the phrase with medical information fits: the medical information rules prohibit a creditor from considering certain information. The other data types—credit history, financial data, and employment information—are the kinds lenders typically use to assess repayment ability, so they aren’t prohibited in the same way.