Which federal law provides protection for consumers against unfair lending practices?

The Fair Housing Act is designed to protect consumers from discrimination in housing-related activities, including lending practices. It prohibits lenders from denying loans or offering different terms based on race, color, national origin, religion, sex, familial status, or disability. This law aims to ensure that all individuals have equal opportunities in obtaining housing finance and addressing unfair lending practices.

While the other laws mentioned play important roles in consumer protection and lending, they focus on different aspects. The Real Estate Settlement Procedures Act regulates the settlement process and provides information about the costs associated with mortgage loans. The Equal Credit Opportunity Act specifically prohibits discrimination in credit transactions, not just lending but across all forms of credit. The Home Mortgage Disclosure Act requires lenders to disclose information about their mortgage lending practices, promoting transparency but not directly providing protections against unfair practices.