What should a lender do to comply with the Fair Housing Act?

To comply with the Fair Housing Act, a lender should offer uniform loan options to all applicants. This approach ensures that all individuals, regardless of their race, color, national origin, religion, sex, familial status, or disability, are treated fairly in the lending process. The Act aims to prevent discrimination and promote equal opportunity in housing and related financial services, which includes offering the same loan options to everyone.

Providing uniform loan options aligns with the legislative intent of the Act by ensuring that all potential borrowers have access to the same financing opportunities, thereby fostering an inclusive lending environment. This practice not only upholds legal compliance but also enhances the lender's reputation and trust within the community. By adhering to these principles, lenders can contribute to the broader goal of eliminating housing discrimination.

Other options would violate the Fair Housing Act as they either promote discriminatory practices or limit access based on irrelevant factors, which would further entrench disparities in lending and housing opportunities.