Punjab is a 20-year-old student who emigrated here from India but now is a U.S. citizen. When he tries to get a credit card, the worker on the phone tells him that they will not give him a credit card because he was born in India and he is too young. In this situation, _________________.

multiple choice

• the credit card company did nothing that is illegal
• the credit card company is violating TILA
• the credit card company is violating the Fair Credit Reporting Act
• the credit card company is violating the Fair Debt Collection Practices Act
• the credit card company is violating the ECOA