A $70$ year old man meets with a banker about applying for a mortgage. Because the banker considers the customer to be elderly, he advises him to apply for a Federal Housing Administration $($FHA$)$ government subsidized mortgage without determining if he would qualify for a conventional loan. This constitutes:

Select the best answer.

A$.$ Discouragement

B$.$ Steering

C$.$ Redlining

D$.$ A violation of the Elder Abuse laws