# D.C. Code § 26-1152.06: Unfair steering or improper use of credit scores

> District of Columbia · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.06

## Section

- **Citation:** D.C. Code § 26-1152.06
- **Heading:** Unfair steering or improper use of credit scores
- **Jurisdiction:** District of Columbia
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** DC Code / Title 26 / Chapter 11A / § 26-1152.06

## Text

(a) A lender shall not steer, counsel, or direct any prospective borrower to accept a loan product with a risk grade less favorable than the risk grade that the borrower would qualify for based on that lender’s then current underwriting guidelines, prudently applied, considering the information available to that lender, including the information provided by the borrower. A lender shall not violate this section if the risk grade determination applied to a borrower is reasonably based on the lender’s underwriting guidelines and if it is an appropriate risk grade category for which the borrower qualifies with the lender.
(b) The lender shall not make, or cause to be made, any false, deceptive, or misleading statement, representation, or determination regarding the borrower’s ability to qualify for any mortgage product or the borrower’s credit score.

## Nearby sections

- [D.C. Code § 26-1151.01 § 26-1151.01. Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1151.01.md)
- [D.C. Code § 26-1151.02 § 26-1151.02. Federally regulated, supervised, and insured entities and the Federal National Mortgage Association and Federal Home Loan Corporation.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1151.02.md)
- [D.C. Code § 26-1152.01 § 26-1152.01. Applicability.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.01.md)
- [D.C. Code § 26-1152.02 § 26-1152.02. Insufficient repayment ability.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.02.md)
- [D.C. Code § 26-1152.03 § 26-1152.03. Restrictions on the financing of single-premium credit insurance.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.03.md)
- [D.C. Code § 26-1152.04 § 26-1152.04. Restriction on financing origination/discount points and fees.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.04.md)
- [D.C. Code § 26-1152.05 § 26-1152.05. No encouragement of default.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.05.md)
- [D.C. Code § 26-1152.06 § 26-1152.06. Unfair steering or improper use of credit scores.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.06.md)
- [D.C. Code § 26-1152.07 § 26-1152.07. Failing to report favorable payment record.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.07.md)
- [D.C. Code § 26-1152.08 § 26-1152.08. Home improvement contracts.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.08.md)
- [D.C. Code § 26-1152.09 § 26-1152.09. No increase in interest rate upon default.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.09.md)
- [D.C. Code § 26-1152.10 § 26-1152.10. Charges in bad faith.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.10.md)
- [D.C. Code § 26-1152.11 § 26-1152.11. Failure to timely send disclosure notice.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.11.md)
- [D.C. Code § 26-1152.12 § 26-1152.12. Prepayment premium, fee or charge.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.12.md)

---

Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.06. Check the current official text before relying on it. Not legal advice.