Section 1 Short title
This Act may be cited as the “Freedom from Discrimination in Credit Act of 2015”.
Freedom from Discrimination in Credit Act of 2015
A BILL
To amend the Equal Credit Opportunity Act to prohibit discrimination on account of sexual orientation or gender identity when extending credit.
Sec. 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 “on the basis of actual or perceived race, color, religion, national origin, sex, sexual orientation, gender identity, or marital status,”.
Sec. 3 Definitions
Section 702 of the Equal Credit Opportunity Act (15 U.S.C. 1691a) is amended—
by redesignating subsections (f) and (g) as subsections (g) and (i), respectively;
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.”
by inserting after subsection (g), as so redesignated, the following:
“(h) The term “sexual orientation” means homosexuality, heterosexuality, or bisexuality.”