Fifth Fourth Bank Has Different Loan Terms for Borrowers, Depending

Multiple Choice

Fifth Fourth Bank has different loan terms for borrowers, depending upon the location of their property to be mortgaged. For example, in high crime areas, Fifth Fourth Bank requires a higher down payment as well as a higher interest rate. Fifth Fourth Bank:

A) Has violated the Fair Housing Act.
B) Has not violated the Fair Housing Act because it has not denied loans to people in those areas.
C) Is required to have the same loan terms for minority applicants as it has for white applicants under the Fair Housing Act.
D) Has not violated the Fair Housing Act if the bank uses the same criteria on all applicants.