Answer:
The loan originator's question about whether the borrower is planning on having more children could potentially violate the Fair Housing Act (FHA), which is a federal law that prohibits discrimination in housing-related transactions. The Fair Housing Act prohibits discrimination on the basis of certain protected characteristics, and one of those characteristics is familial status.
Familial status, as defined by the FHA, includes:
1. Families with children under 18 living with parents or legal custodians, including pregnant women and people securing custody of children under 18.
2. Persons who are in the process of adopting or securing legal custody of children under 18.
By asking whether the borrower is planning on having more children, the loan originator is inquiring about the borrower's familial status. Discriminating against someone based on their familial status is a violation of the Fair Housing Act.
It's important to note that this type of question can be considered discriminatory because it may lead to unequal treatment or the perception of unequal treatment based on familial status. Loan originators and other housing professionals should avoid asking questions related to protected characteristics such as familial status to ensure compliance with federal anti-discrimination laws.
Step-by-step explanation: