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Discrimination in Credit Transactions

The North Dakota Human Rights Act (N.D.C.C. Chapter 14-02.4) prohibits discrimination in credit transactions. It is a discriminatory practice, under the Act, to "deny credit, increase the charges or fees for or collateral required to secure credit, restrict the amount or use of credit extended, impose different terms or conditions with respect to the credit extended to a person, or item or service related thereto because of race, color, religion, sex, national origin, age (40 or older), physical or mental disability, marital status, or receipt of public assistance." The law does not prohibit the party providing credit from considering the credit history of a person seeking credit.

The Human Rights Division is authorized to receive and investigate complaints alleging discrimination in credit transactions. If you feel you have been discriminated against in the provision of credit, complete the Human Rights Intake Questionnaire form and submit the completed form to the division.

If you wish to report what you believe to be noncompliance with laws relating to discrimination in credit transactions but do not wish to seek a remedy for yourself, complete the Complaint Inquiry and submit the completed form to the division.

If you are a credit provider and you have questions regarding your rights and responsibilities under North Dakota human rights laws, please contact us.

  • 600 East Boulevard Ave
  • Dept 406
  • Bismarck ND 58505-0340
  • (701) 328-2660
  • 1-800-582-8032 - In-state toll-free
  • 1-800-366-6888 or 1-800-366-6889 - TTY (Relay ND)
  • (701) 328-2031 Fax