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cation or relying on alimony, child
support, or separate maintenance payments to establish
creditworthiness. But the lender may ask you for information
about your spouse if you are living in, or you are relying for
security on property located in, a community property state
(Arizona, California, Idaho, Louisiana, Nevada, New Mexico,
Texas, Washington, or Wisconsin).
Whether your business is large or small, if you are not
granted the credit, be sure to discuss any questions you may
have with the lender.
If You Need Help
If you are not granted credit by the lender and you believe
the lender may have acted unlawfully, you can seek further
assistance from the regulatory agency that supervises the
institution. A list of some of the agencies is contained in
this brochure for your reference. If it becomes necessary to
seek legal assistance, the Act provides some remedies. If you
have been denied credit because of unlawful discrimination and
are able to prove it, courts may award actual damages and in
some circumstances may impose punitive damages against the
lender. If a lawsuit alleging discrimination is successful, the
court also may award court costs and attorney fees.
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