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15 U.S. Code § 1691. Scope of prohibition
(a) Activities constituting discriminationIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction—
(1)
on the basis of race, color, religion, national origin, sex or marital status, or age (provided the applicant has the capacity to contract);
(2)
because all or part of the applicant’s income derives from any public assistance program; or
(3)
because the applicant has in good faith exercised any right under this chapter.
(b) Activities not constituting discriminationIt shall not constitute discrimination for purposes of this subchapter for a creditor—
(1)
to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor’s rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness;