SUPERSEDED — 12 CFR §1002.4 — General rules (Regulation B / ECOA) (text in force before 2026-07-21)
SUPERSEDED — the text of 12 CFR §1002.4 as it read in the eCFR edition of 2026-04-22, before the amendment effective 2026-07-21 (91 FR 21668, Apr. 22, 2026). Retained so conduct under the prior rule can be checked against its own words. It is NOT current and must not be relied on as the operative requirement.
Superseded — retained for reference. The operative requirements have moved to the current rule (see the description above).
Verbatim regulatory text
Verbatim provisions from SUPERSEDED — 12 CFR §1002.4 — General rules (Regulation B / ECOA) (text in force before 2026-07-21) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
12 CFR §1002.4(a)
(a) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.
12 CFR §1002.4(b)
(b) Discouragement. A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage on a prohibited basis a reasonable person from making or pursuing an application.
12 CFR §1002.4(c)
(c) Written applications. A creditor shall take written applications for the dwelling-related types of credit covered by § 1002.13(a).
12 CFR §1002.4(d)
(d) Form of disclosures—(1) General rule. A creditor that provides in writing any disclosures or information required by this part must provide the disclosures in a clear and conspicuous manner and, except for the disclosures required by §§ 1002.5 and 1002.13, in a form the applicant may retain. (2) Disclosures in electronic form. The disclosures required by this part that are required to be given in writing may be provided to the applicant in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) (15 U.S.C. 7001 et seq.). Where the disclosures under §§ 1002.5(b)(1), 1002.5(b)(2), 1002.5(d)(1), 1002.5(d)(2), 1002.13, and 1002.14(a)(2) accompany an application accessed by the applicant in electronic form, these disclosures may be provided to the applicant in electronic form on or with the application form, without regard to the consumer consent or other provisions of the E-Sign Act.
12 CFR §1002.4(e)
(e) Foreign-language disclosures. Disclosures may be made in languages other than English, provided they are available in English upon request.
Get this regulation in your AI window
Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.
Open in Claude Open in ChatGPT
Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.
Get notified if this rule changes
One email when SUPERSEDED — 12 CFR §1002.4 — General rules (Regulation B / ECOA) (text in force before 2026-07-21) changes: what changed, the new verbatim text, and the effective date. Nothing else.
Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.
Source of record: https://claudeforcompliance.com/regs/reg-b-1002-4-superseded-2026/
· register reg-b-1002-4-superseded-2026 · verbatim, source-snapshotted regulator text from the
Claude for Compliance corpus. To work from every register at once, download the corpus
and follow the methodology.