One method of defining or identifying discriminating lending behavior is that discrimination is said to exist if a lender purposely intends to treat a minority group member less favorably.This is known as the:

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The intent method defines discrimination as intentional unequal treatment, which means that the lender purposely intends to treat a minority group member less favorably. This is opposed to the effects method, which defines discrimination as having a disproportionately negative impact on a certain group, regardless of intent. The practices method refers to evaluating lending policies and procedures to identify potential discrimination, and the screening method involves using predetermined criteria or models to identify potential discrimination.

One Method of Defining or Identifying Discriminating Lending Behavior Is