The reasonable lending rules broadly prohibit two forms of discrimination: disparate therapy and impact that is disparate. In certain circumstances, both theories may use. Disparate therapy takes place when a lender treats a customer differently due to a protected attribute. Disparate therapy ranges from overt discrimination to more subdued variations in treatment that may damage customers and doesn’t have to be inspired by prejudice or even an intent that is conscious discriminate. The Federal Reserve has made many recommendations to your U.S. Department of Justice (DOJ) involving treatment that is disparate rates where bank employees charged greater fees or rates of interest on loans to minorities than to comparably quapfied nonminority customers.