Yesterday, Alfreda was denied credit for the purchase of a new living room furniture set. The salesperson informed Alfreda that the reason for the denial was due to Alfreda$$s poor credit rating. Alfreda worries that she was denied credit on a discriminatory basis. Which of the following laws prohibits creditors from discriminating against credit applicants based on several protected characteristics?

The Equal Credit Opportunity Act

The Fair Credit Reporting Act

The Consumer Financial Protection Act