Lucinda recently became a U$.$S$.$ citizen after emigrating from ltaly a year ago and doesn't speak English. She's denied a loan because she's unmarried and hasn't lived in the U$.$S$.$ for very long. Is there an ethical issue here?

No$,$ loan program guidelines must be strictly followed.

No$,$ she's not U$.$S$.-$born, so different loan requirements apply.

Yes, the denial was based on one protected class.

Yes, the denial was based on two protected classes.