Organizations must also review their prices structures to ensure they cannot discriminate against people on a prohibited foundation, or in line with the located area of the home in breach associated with 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 a greater rate of interest, origination cost, or quantity of points on that loan for many borrowers than is charged when it comes to loan that is same with other borrowers in identical period of time) is permitted unless the training violates the ECOA or FHA. For instance if people in a protected course under ECOA and FHA (including race, gender, age, etc. ) are charged an overage more frequently than many other borrowers, the financial institution will be in breach of ECOA and FHA unless the financial institution could show the best nondiscriminatory company reason behind the disparate therapy.