Which pair of laws are cited as governing housing and credit discrimination in the material?

• A. Americans with Disabilities Act and Equal Credit Opportunity Act
• B. Fair Housing Act and Equal Credit Opportunity Act
• C. Americans with Disabilities Act and Fair Housing Act
• D. Truth in Lending Act and Equal Credit Opportunity Act

Answer: (B)

The main idea here is identifying the laws that govern discrimination in housing and in credit. The material cites the Fair Housing Act as the rule that bans discrimination in housing-related actions—like selling, renting, advertising, financing, or brokerage—based on protected characteristics. It pairs this with the Equal Credit Opportunity Act, which bars discrimination in any aspect of a credit transaction, from applying for a loan to receiving the funds, again based on those protected characteristics. Together, these two laws specifically address both housing and credit discrimination, which is why this pairing is the correct one.

Other options don’t fit the scope. The Americans with Disabilities Act focuses on accessibility and discrimination in employment and public accommodations, not housing or credit specifically. The Truth in Lending Act deals with loan disclosures but not discriminatory practices. So those combinations don’t cover both housing and credit discrimination together.