Hudson Bank Does Not Have Offices in Areas Where It

Hudson Bank does not have offices in areas where it does not want to make mortgage loans. Most of the areas that do not have Hudson branches are populated by minorities. Hudson Bank:

A) Has violated the Fair Housing Act.
B) Has not violated the Fair Housing Act because it has not denied loans to people in those areas.
C) Is required to have branch offices in those areas under the Fair Housing Act.
D) Does not violate the Fair Housing Act just by its office location decision.