QuikPay Inc. extends credit to consumers. QuikPay is subject to the Equal Credit Opportunity Act, which prohibits credit dis?crimination based on

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The Equal Credit Opportunity Act prohibits credit discrimination based on race, color, religion, national origin, sex, marital status, age, or the fact that an applicant receives income from a public assistance program. Discrimination based on intelligence or education is not prohibited by the Act, and discrimination based solely on income is also not allowed, but income can be considered as a factor in determining creditworthiness.