[Code of Federal Regulations]
[Title 12, Volume 2]
[Revised as of January 1, 2006]
From the U.S. Government Printing Office via GPO Access
[CITE: 12CFR202.4]

[Page 18]
 
                       TITLE 12--BANKS AND BANKING
 
                   CHAPTER II--FEDERAL RESERVE SYSTEM
 
PART 202_EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)--Table of Contents
 
Sec. 202.4  General rules.

    (a) Discrimination. A creditor shall not discriminate against an 
applicant on a prohibited basis regarding any aspect of a credit 
transaction.
    (b) Discouragement. A creditor shall not make any oral or written 
statement, in advertising or otherwise, to applicants or prospective 
applicants that would discourage on a prohibited basis a reasonable 
person from making or pursuing an application.
    (c) Written applications. A creditor shall take written applications 
for the dwelling-related types of credit covered by Sec. 202.13(a).
    (d) Form of disclosures. A creditor that provides in writing any 
disclosures or information required by this regulation must provide the 
disclosures in a clear and conspicuous manner and, except for the 
disclosures required by Sec. Sec. 202.5 and 202.13, in a form the 
applicant may retain.
    (e) Foreign-language disclosures. Disclosures may be made in 
languages other than English, provided they are available in English 
upon request.