After her divorce was finalized, Tabatha decided to visit Larry the Lender and secure a second mortgage loan on her home to make some improvements. Larry liked to help the "ladies" fill out the application, just to make sure everything was in order. Larry asked Tabatha if she was married, to which she replied $"$ No $."$ ?"Divorced then?" Larry asked, to which Tabatha didn't reply. Larry also asked about her national origin $("$ you don't look like you're from around here" $)$ ?and whether she had any costs associated with children $("$ you don't look old enough to have a twenty $-$ one year old!" $).$ ?When the paperwork was completed, Larry and Tabatha shook hands, and he suggested it would take only a few days for a decision. Three days later, Tabatha received a loan rejection in the mail, citing the reason as "Insufficient Credit History." It is true that Tabatha has purchased very little on her own credit. Has Larry the Lender violated the Equal Credit Opportunity Act $($ ECOA $)?$