Organizations must also review their prices structures to ensure they don't discriminate against individuals for a prohibited basis, or in line with the located area of the home in breach associated with the Equal Credit chance Act (ECOA), the Fair Housing Act (FHA), or Massachusetts anti-discrimination and anti-redlining statutes, including G.L. C. 151B and c. 183, s. 64. The training of asking overages (billing an increased rate of interest, origination cost, or wide range of points on a loan for many borrowers than is charged for the same loan item to many other borrowers in identical time frame) is permitted unless the practice violates the ECOA or FHA. As an example if people of a protected class under ECOA and FHA (including race, gender, age, etc. ) are charged an overage more frequently than many other borrowers, the lending company will be in breach of ECOA and FHA unless the financial institution could show the best nondiscriminatory company reason behind the disparate therapy.