; (2) on the basis of the person’s ZIP Code, or census tract; (3) because all or part of the person's income derives from any public assistance program; or (4) because the person has in good faith exercised any right under the Consumer Credit Protection Act. . (b) Removal of certain references to creditors and applicants and definition added The Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) is amended— (1) in section 701(b)— (A) by striking applicant each place such term appears and inserting person ; and (B) in paragraph (2), by striking applicant’s each place such term appears and inserting person’s ; (2) in section 702— (A) by redesignating subsection (g) as subsection (h); and (B) by inserting after subsection (f) the following: (g) The term aggrieved person includes any person who— (1) claims to have been injured by a discriminatory credit practice; or (2) believes that such person will be injured by a discriminatory credit practice. ; (3) in section 704A— (A) in subsection (b)(1), by striking applicant each place such term appears and inserting aggrieved person ; and (B) in subsection (c), by striking applicant and inserting aggrieved person ; (4) in section 705— (A) by striking the applicant each place such term appears and inserting persons ; and (B) in subsection (a)— (i) by striking a creditor to take and inserting taking ; and (ii) by striking applicant and inserting person ; and (5) in section 706— (A) by striking creditor each place such term appears and inserting person ; (B) by striking creditor’s each place such term appears and inserting person’s ; (C) by striking creditors each place such term appears and inserting persons