Many disputes between lenders and regulators in the context of price discrimination relate to such scenarios. Again, the key litmus test is whether the objective characteristic being used to lower or raise the mortgage rate for a given group is substantive in its own right with respect to the risk or profitability of the potential loan, rather than mere a proxy for racial discrimination. References External links Home Mortgage Disclosure Act of 1975 (PDF/details) as amended in the GPO Statute Compilations collection FFIEC about HMDA Maps and charts from Consumer Financial Protection Bureau Public Law 94-200, 94th Congress, S. 1281: An Act to extend the authority for the flexible regulation of interest rates on deposits and share accounts in depository institutions, to extend the National Commission on Electronic Fund Transfers, and to provide for home mortgage disclosure. [Home Mortgage Disclosure Act] Mortgage industry of the United States 1975 in law United States federal banking legislation Anti-discrimination law in the United States Mortgage legislation