Federal Mortgage-Related Laws
ECOA Protected Classes for NMLS Exam Review
Study ECOA fair lending protections, prohibited discrimination, adverse action concepts, and applicant treatment scenarios.
Common exam traps
SAFE MLO questions often hide the tested rule inside borrower-facing facts. Watch for absolute language, timing changes, disclosure exceptions, and answers that confuse a permitted action with a required action.
Practice focus
Review ECOA traps with focused practice questions.
- ECOA protected classes
- fair lending NMLS
- SAFE MLO ECOA
- mortgage discrimination exam
Which protected classes are tested under ECOA?
Commonly tested protections include race, color, religion, national origin, sex, marital status, age, public assistance income, and exercising consumer credit rights.
How are ECOA questions framed on the exam?
They often ask whether an applicant was treated differently, discouraged, or evaluated using a prohibited factor.