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Can a bank refuse a loan because of age?

According to the Equal Credit Opportunity Act (ECOA), a lender cannot deny you credit based solely on your age, provided you have the capacity to enter into a contract. This federal law ensures fair and equal access to credit for all creditworthy applicants, regardless of age, sex, race, or marital status. The question, **Can a bank refuse a loan because of age?**, has a clear legal answer, though lenders can legally evaluate age-related information for specific purposes.