Under the Equal Credit Opportunity Act, a creditor’s refusal to grant credit on the terms requested, termination of an existing account, or an unfavorable change in an existing account. Source: OCC
State Law
California
includes all of the following:

California Civil Code 1785.3
means dismissal, demotion, suspension, or other disciplinary action California Government Code 19570
Delaware
means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of personal insurance Delaware Code Title 18 Sec. 8303
means : Any action taken by a state psychology regulatory authority which finds a violation of a statute or regulation that is identified by the state psychology regulatory authority as discipline and is a matter of public record Delaware Code Title 24 Sec. 3501A
Hawaii
means an adverse determination or a final adverse determination Hawaii Revised Statutes 432E-1
Idaho
means to discharge, threaten or otherwise discriminate against an employee in any manner that affects the employee’s employment, including compensation, terms, conditions, location, rights, immunities, promotions or privileges Idaho Code 6-2103
Indiana
means any administrative, civil, equitable, or criminal action permitted by a state’s laws which may be imposed against licensed EMS personnel by a state EMS authority or state court, including, but not limited to, actions against an individual’s license, such as revocation, suspension, probation, consent agreement, monitoring, or other limitation or encumbrance on the individual’s practice, letters of reprimand or admonition, fines, criminal convictions, and state court judgments enforcing adverse actions by the state EMS authority Indiana Code 16-31.5-2-2
means :

Indiana Code 27-2-21-1
Iowa
means a home or remote state action Iowa Code 152E.3
Kansas
means any of the following in connection with the underwriting of personal insurance:

(1) A denial or cancellation of coverage; or

(2) a reduction or other adverse or unfavorable change in the terms of coverage of any insurance regardless of whether such insurance is in existence or has been applied for Kansas Statutes 40-5103
Maine
means any action taken by a state psychology regulatory authority that is identified by the state psychology regulatory authority as discipline for a violation of a statute or regulation and that is a matter of public record Maine Revised Statutes Title 32 Sec. 3842
means any administrative, civil, equitable or criminal action permitted by a state’s laws that is imposed by a licensing board or other authority against a licensed professional counselor, including actions against an individual’s license or privilege to practice such as revocation, suspension, probation, monitoring of the licensee, limitation on the licensee’s practice or any other encumbrance on licensure affecting a licensed professional counselor’s authorization to practice, including issuance of a cease and desist action Maine Revised Statutes Title 32 Sec. 18553
means any administrative, civil, equitable or criminal action permitted by a state’s laws that is imposed by a licensing board or other authority against an audiologist or speech-language pathologist, including actions against an individual’s license or privilege to practice such as revocation, suspension, probation, monitoring of the licensee or restriction on the licensee’s practice Maine Revised Statutes Title 32 Sec. 17502
means disciplinary action taken by a physical therapy licensing board based upon misconduct, unacceptable performance or a combination of both Maine Revised Statutes Title 32 Sec. 18703
Michigan
means an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any personal insurance, existing or applied for Michigan Laws 500.2151
Rhode Island
means a home or remote state action Rhode Island General Laws 5-34.3-4
South Carolina
means any action taken by a state psychology regulatory authority which finds a violation of a statute or regulation that is identified by the state psychology regulatory authority as discipline and is a matter of public record South Carolina Code 40-55-320
means any administrative, civil, equitable, or criminal action permitted by a state’s laws which is imposed by a licensing board or other authority against a nurse, including actions against an individual’s license or multistate licensure privilege such as revocation, suspension, probation, monitoring of the licensee, limitation on the licensee’s practice, or any other encumbrance on licensure affecting a nurse’s authorization to practice, including issuance of a cease and desist action South Carolina Code 40-33-1310
means any administrative, civil, equitable, or criminal action permitted by a state’s laws which is imposed by a licensing board or other authority against an audiologist or speech-language pathologist, including actions against an individual’s license or privilege to practice such as revocation, suspension, probation, monitoring of the licensee, or restriction on the licensee’s practice South Carolina Code 40-67-520
means disciplinary action taken by a physical therapy licensing board based upon misconduct, unacceptable performance, or a combination of both South Carolina Code 40-45-520
Tennessee
means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of personal insurance Tennessee Code 56-5-201
means to discharge, threaten, or otherwise discriminate against an employee in any manner that affects the employee’s employment, including compensation, terms, conditions, location, rights, immunities, promotions, or privileges Tennessee Code 50-1-1002
means to:

(A) Discriminate against a person by denying the person employment, privileges, credit, insurance, access, products, services, or other benefits Tennessee Code 14-1-101
Utah
means to discharge, threaten, or otherwise discriminate against an employee in any manner that affects the employee’s employment, including compensation, terms, conditions, location, rights, immunities, promotions, or privileges Utah Code 34-48-102
means to take any of the following actions against a person in a manner that affects the person’s employment or contractual relationships:

     (1)(a) discharge the person;
     (1)(b) threaten the person;
     (1)(c) coerce the person;
     (1)(d) intimidate the person; or
     (1)(e) discriminate against the person, including to discriminate in:

          (1)(e)(i) compensation;
          (1)(e)(ii) terms;
          (1)(e)(iii) conditions;
          (1)(e)(iv) location;
          (1)(e)(v) rights;
          (1)(e)(vi) immunities;
          (1)(e)(vii) promotions; or
          (1)(e)(viii) privileges Utah Code 40-2-102
means to:

     (1)(a) discharge, threaten, or directly or indirectly harass an employee; or
     (1)(b) otherwise discriminate against an employee in any manner that affects the employee’s employment, including:

          (1)(b)(i) compensation;
          (1)(b)(ii) terms;
          (1)(b)(iii) conditions;
          (1)(b)(iv) location;
          (1)(b)(v) rights;
          (1)(b)(vi) immunities;
          (1)(b)(vii) promotions; or
          (1)(b)(viii) privileges Utah Code 61-1-102
means :

          (1)(a)(i) an action that results in:

               (1)(a)(i)(A) the refusal to hire a potential employee; or
               (1)(a)(i)(B) the termination of employment, demotion, or reduction of wages of an employee; or
          (1)(a)(ii) a governmental entity separating an employee from another employee solely because of the COVID-19 vaccination status of the employee Utah Code 34-56-101
Vermont
means any action taken by a state psychology regulatory authority that finds a violation of a statute or regulation that is identified by the state psychology regulatory authority as discipline and is a matter of public record
means any administrative, civil, equitable, or criminal action permitted by a state’s laws that is imposed by a licensing board or other authority against a nurse, including actions against an individual’s license or multistate licensure privilege, such as revocation, suspension, probation, monitoring of the licensee, limitation on the licensee’s practice, or any other encumbrance on licensure affecting a nurse’s authorization to practice, including issuance of a cease and desist action
Virginia
means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested Virginia Code 6.2-500