Nationwide Legal Assistance for Black Owned Businesses Seeking Justice and Compensation For Discrimination & Unfair Practices By Banks & Financial Institutions

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How it works

Answer a brief, private online questionnaire that asks for key details of the experience

Have the case evaluated by a legal team free of charge without any obligation to file

Depending on the circumstances, the case could be filed for potential compensation

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Credit & Financial Business Discrimination

You are protected under the Equal Credit Opportunity Act (ECOA)

ECOA is a federal law, enacted in 1974. It makes credit discrimination illegal and holds lenders responsible if they break the law. Many parts of the U.S. government enforce the law—including the CFPB.

Under federal law, lenders are not allowed to discriminate against you.

When you apply for credit or borrow money, it’s against the Equal Credit Opportunity Act (ECOA) to discriminate because of:

Race or color
Religion or national origin
Sex (including sexual orientation and gender identity)
Age or marital status
Receiving money from public assistance.

Lenders are sometimes allowed to ask you about the items on the list, mainly because it helps the lender show they are following the law.

But lenders can’t steer you away from applying for credit or reject your application, based on how you might be described using that list (for example, your sex or religion).

Lenders aren’t allowed to charge higher costs—like a higher interest rate or higher fees—because of the factors on the list.

And, they can’t reject your application because you exercised your rights under certain consumer protection laws.

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The Challenges For Black Owned Businesses

A recent study of small business owners by the U.S. Chamber of Commerce found that inflation and supply chain issues are the top challenges entrepreneurs face today.

However, Black business owners face other unique hurdles that are specific to the Black community.

For example, some of the concerning issues include:

Unlike their white counterparts, Black businesses deal with systemic racism — a fact highlighted in a study on the government’s Payment Protection Program (PPP);
Structural inequities “built-in to the administration of the program, the application process, and the fee structure;”
Black businesses often encounter racism and discrimination when securing bank financing, which leads to them having difficulties acquiring loans; and,
There has also been a massive increase of Black workers wanting flexibility instead of working traditional 9-to-6 schedules, leading to labor shortages

Economist Nicholas J. Hill, the Dean of the School of Business at HBCU Claflin College in Orangeburg, South Carolina reveals “We know that when something is bad for all small businesses in America, it’s worse for Black-owned businesses.

“So, if there’s any type of economic shock or supply shock, like the pandemic, it is going to hit [black-owned businesses] a lot harder.”

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Free Case Evaluation

The Equal Credit Opportunity Act (ECOA) makes it illegal for creditors (also known as banks, mortgage companies, small loan and finance companies, credit unions, retail and department stores, credit card companies, other online companies offering credit, and people who arrange for credit) to discriminate against you.

Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the Equal Credit Opportunity Act (ECOA).

The discrimination prohibition of this law applies to every part of the credit process: when you’re seeking credit, when a creditor evaluates your income, and when a creditor makes credit decisions.

If you feel your rights have been violated, contact the experienced team at Justice for Black-Owned Businesses—Sponsored by Ben Crump - Trial Lawyer For Justice—for a free, no-obligation case evaluation to discover:

Your equal credit opportunity rights
When is it credit discrimination?
You have other important rights
If you suspect credit discrimination
Building and protecting your credit history

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About Us

We stand on the side of black-owned businesses, their families & communities.

Justice For Black Owned Business is a website that has partnered with renowned Civil Rights Leader and Trial Lawyer Ben Crump.

About Us

We stand on the side of black-owned businesses, their families & communities.

Justice For Black Owned Business is a website that has partnered with renowned Civil Rights Leader and Trial Lawyer Ben Crump.

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