Iowa Code 216.10 – Unfair credit practices
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1. It shall be an unfair or discriminatory practice for any:
a. Creditor to refuse to enter into a consumer credit transaction or impose finance charges or other terms or conditions more onerous than those regularly extended by that creditor to consumers of similar economic backgrounds because of age, color, creed, national origin, race, religion, marital status, sex, sexual orientation, gender identity, physical disability, or familial status.
b. Person authorized or licensed to do business in this state pursuant to chapter 524, 533, 536, or 536A to refuse to loan or extend credit or to impose terms or conditions more onerous than those regularly extended to persons of similar economic backgrounds because of age, color, creed, national origin, race, religion, marital status, sex, sexual orientation, gender identity, physical disability, or familial status.
c. Creditor to refuse to offer credit life or health and accident insurance because of color, creed, national origin, race, religion, marital status, age, physical disability, sex, sexual orientation, gender identity, or familial status. Refusal by a creditor to offer credit life or health and accident insurance based upon the age or physical disability of the consumer shall not be an unfair or discriminatory practice if such denial is based solely upon bona fide underwriting considerations not prohibited by Title XIII, subtitle 1.
Terms Used In Iowa Code 216.10
- Consumer: means any one of the following:a. See Iowa Code 216E.1
- Disability: means the physical or mental condition of a person which constitutes a substantial disability, and the condition of a person with a positive human immunodeficiency virus test result, a diagnosis of acquired immune deficiency syndrome, a diagnosis of acquired immune deficiency syndrome-related complex, or any other condition related to acquired immune deficiency syndrome. See Iowa Code 216.2
- discriminatory practice: means those practices specified as unfair or discriminatory in sections 216. See Iowa Code 216.2
- Familial status: means one or more individuals under the age of eighteen domiciled with one of the following:
(1) A parent or another person having legal custody of the individual or individuals. See Iowa Code 216.2- Gender identity: means a gender-related identity of a person, regardless of the person's assigned sex at birth. See Iowa Code 216.2
- Sexual orientation: means actual or perceived heterosexuality, homosexuality, or bisexuality. See Iowa Code 216.2
- state: when applied to the different parts of the United States, includes the District of Columbia and the territories, and the words "United States" may include the said district and territories. See Iowa Code 4.1
2. The provisions of this section shall not be construed by negative implication or otherwise to narrow or restrict any other provisions of this chapter.