Final answer:
Under the ECOA, it is illegal for lenders to ask about a borrower's marital status. The law was enacted to eliminate discriminatory practices and ensure equal access to credit.
Step-by-step explanation:
Under the Equal Credit Opportunity Act (ECOA), it is illegal for a lender to ask about a borrower's marital status, including whether they are separated. The ECOA prohibits lenders from using factors such as gender, race, ethnicity, and, under some circumstances, age, to make decisions regarding the extension of credit. The law was enacted to eliminate discriminatory practices in lending and ensure equal access to credit for all individuals.