Your Rights in Credit

Prohibited Practices in Credit Services

Under the Minnesota Human Rights Act, credit is a protected area, and it is illegal to treat you differently in credit because of your race, color, creed, religion, national origin, sex, marital status, disability, public assistance, sexual orientation.

With limited exceptions, the following actions constitute a violation of the Human Rights Act in credit when, because of your protected class status,
stores or any other institutions offering personal or commercial credit:

  • Refuse to extend credit to certain individuals
  • Deny or offer less affordable terms and conditions to certain individuals
  • Require, as a condition of a contract, that a woman use her current rather than her former surname unless there is an intent to default or mislead

More Information


What To Do

Contact us, do not wait! You have one year from the time the discrimination happened to file a charge with our agency.