1. Short title
This Act may be cited as the “Freedom from Discrimination in Credit Act of 2013”.
Freedom from Discrimination in Credit Act of 2013
A BILL
To amend the Equal Credit Opportunity Act to prohibit discrimination on account of sexual orientation or gender identity when extending credit.
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
by inserting “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—
by striking subsections (f) and (g); and
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.”