(A) It is an unlawful practice for a financial institution or an individual employed by or acting on behalf of a financial institution to:
(1) Discriminate against an individual because of the race, color, religion, national origin, disability, sex, or age of the individual or the present or prospective owner, tenant, or occupant of the real property or of a member, stockholder, director, officer, employee, or representative of any of these, in the granting, withholding, extending, modifying or renewing, the rates, terms, conditions, privileges, or other provisions of financial assistance or in the extension of services in connection therewith; or
(2) Use a form of application for financial assistance or to make or keep a record or inquiry in connection with applications for financial assistance which indicate directly or indirectly a limitation, specification, or discrimination as to race, color, religion, national origin, disability, or sex or an intent to make such a limitation, specification, or discrimination; or
(3) Discriminate by refusing to give full recognition, because of sex, to the income of each spouse or the total income and expenses of both spouses where both spouses become or are prepared to become joint or several obligors in real estate transactions.
(KRS 344.370) (Ord. 1-80, passed 2-4-80)
(B) It shall be unlawful practice for any person, whether acting for himself or another, in connection with any credit transaction because of race, color, religion, national origin, disability, or sex to deny credit to any person; increase the charges or fees for or collateral required to secure any credit extended to any person; restrict the amount or use of credit extended or impose different terms or conditions with respect to the credit extended to any person or any item or service related thereto; or attempt to do any of the unlawful practices defined in this division.
(1) The provisions of this division shall not prohibit any party to a credit transaction from considering the credit history of any individual applicant.
(2) The provisions of this division shall not prohibit any party to a credit transaction from considering the application of state law on dower, curtesy, or descent and distribution to the particular case or from taking reasonable action thereon.
(KRS 344.400)