Which two-word phrase describes the rules that prohibit a creditor from considering a consumer's physical, mental, or behavioral condition in credit decisions?

• A. medical information
• B. credit history
• C. economic status
• D. employment status

Answer: (A)

Health status should not influence credit decisions. The two-word phrase that names the type of information protected in this rule is “medical information.” Lenders are expected to base credit decisions on factors that reflect repayment ability, such as income, employment, and credit history, rather than on a consumer’s physical, mental, or behavioral health. This protects applicants from discrimination tied to health conditions or disabilities. The other options describe types of information that lenders may use in underwriting and thus do not capture the prohibition described.