,,ii  #aaeth ,,congress  #ast ,session  
,s4 #aadc  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,may #ag1      
#bjag,mrs4 ,murray 7for herself1 ,mr4   
,blumenthal1 ,mr4 ,booker1 ,ms4         
,duckworth1 ,mr4 ,franken1 ,mrs4        
,gillibrand1 ,ms4 ,hassan1 ,ms4 ,hirono1
 ,mr4 ,markey1 ,mr4 ,menendez1 ,mr4     
,merkley1 ,mrs4 ,shaheen1 ,ms4 ,warren1 
and ,mr4 ,wyden7 introduced the         
following bill2 which was read twice and
 referred to the ,committee on ,health1 
,education1 ,labor1 and ,pensions  ,a   
,,bill  ,to amend the ,equal ,credit    
,opportunity ,act to prohibit           
discrimination on account of sexual     
orientation or gender identity when     
extending credit4  #a4 ,short title     
,this ,act may be cited as the ,freedom 
from ,discrimination in ,credit ,act of 
#bjag4  #b4 ,prohibition against        
discrimination on account of sexual     
orientation or gender identity          
,subsection 7a77#a7 of section #gja of  
the ,equal ,credit ,opportunity ,act    

7#ae ,u4,s4,c4 #afia7 is amended by     
inserting 1 sexual orientation1 gender  
identity1 after sex4  #c4 ,definitions  
,section #gjb of the ,equal ,credit     
,opportunity ,act 7#ae ,u4,s4,c4        
#afia;a7 is amended--  7#a7 by striking 
subsections 7f7 and 7g72 and  7#b7 by   
inserting after subsection 7e7 the      
following new subsections3  7f7 ,the    
term gender identity means the          
gender-related identity1 appearance1 or 
mannerisms or other gender-related      
characteristics of an individual1 with  
or without regard to the individual's   
designated sex at birth4  7g7 ,the term 
person means a natural person1 a        
corporation1 government or governmental 
subdivision or agency1 trust1 estate1   
partnership1 cooperative1 or            
association4  7h7 ,the terms race1      
color1 religion1 national origin1 sex1  
sexual orientation1 gender identity1    
marital status1 or age1 used with       
respect to an individual1 includes--    
7#a7 the race1 color1 religion1 national

 origin1 sex1 sexual orientation1 gender
 identity1 marital status1 or age1      
respectively1 of another person with    
whom the individual is associated or has
 been associated2 and  7#b7 a perception
 or belief1 even if inaccurate1         
concerning the race1 color1 religion1   
national origin1 sex1 sexual            
orientation1 gender identity1 marital   
status1 or age1 respectively1 of the    
individual4  7i7 ,the term sex          
includes-- 7#a7 a sex stereotype2  7#b7 
pregnancy1 childbirth1 or a related     
medical condition2 and  7#c7 sexual     
orientation or gender identity4  7j7    
,the term sexual orientation means      
homosexuality1 heterosexuality1 or      
bisexuality4  7k7 ,any reference to any 
requirement imposed under this title or 
any provision of this title shall be    
deemed to include a reference to the    
regulations of the ,bureau under this   
title or the provision of this title in 
question4  4  #d4 ,relation to ,state   
laws ,section #gje7;a7 of the ,equal    

,credit ,opportunity ,act 7#ae ,u4,s4,c4
 #afia;d7a77 is amended by inserting 1  
sexual orientation1 gender identity1    
after sex4