If you think you have been discriminated against through higher mortgage interest rates or the denial of your home loan, you can take action.

* Complain. Talk to the lender or mortgage broker. See if he or she will reconsider your application.
* Call your state Attorney General's office. Many states have their own anti-discrimination and consumer-protection laws. Find out if state laws were broken.
* Contact fair housing advocates. These agencies can help you file reports with state and federal agencies.
* You have the right to sue the lender. If you win, you can collect damages.
* Know which federal agencies enforce anti-discrimination laws. The Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA) protect homebuyers against discrimination applying for mortgages.

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