Fair Lending for All Act

# Fair Lending for All Act Summary **What the Bill Does** The Fair Lending for All Act would expand federal anti-discrimination laws in lending by adding three new protected categories: sexual orientation, gender identity, and location (based on zip code or census tract). Currently, lenders are prohibited from discriminating based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. This bill would criminalize violations of these expanded protections and require the Consumer Financial Protection Bureau (CFPB) to actively test loan applications for compliance and establish a new Office of Fair Lending Testing. **Who It Affects** The bill primarily affects loan applicants who might face discrimination based on sexual orientation, gender identity, or neighborhood characteristics, as well as lending institutions and lenders who would need to comply with the new requirements.

The CFPB would also take on expanded responsibilities for monitoring and enforcement. **Current Status** The bill is currently in committee and has not yet been voted on by the full House. It was introduced by Representative Al Green (D-TX) in the 119th Congress.