Civil Rights Act of 1964 (Title VII): Federal law prohibiting discrimination based on race, color, religion, sex, or national origin. Must be considered when drafting decline letters to ensure no discriminatory language or practices.
Americans with Disabilities Act (ADA): Federal law protecting individuals with disabilities from discrimination. Relevant when declining requests related to disability accommodations or employment.
Age Discrimination in Employment Act (ADEA): Federal law protecting individuals 40 and older from age discrimination. Must be considered in employment-related decline letters.
Fair Housing Act: Federal law prohibiting discrimination in housing transactions. Essential for decline letters related to housing applications or real estate matters.
Equal Credit Opportunity Act: Federal law ensuring equal access to credit and prohibiting discrimination in lending. Critical for financial institutions drafting decline letters.
Fair Credit Reporting Act: Federal law regulating the collection and use of consumer credit information. Requires specific disclosures in decline letters based on credit information.
Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data when communicating with customers.
HIPAA: Federal law protecting medical information privacy. Must be considered when decline letters involve healthcare-related information.
State Consumer Protection Laws: Various state-specific laws protecting consumers from unfair business practices. Requirements vary by state and must be considered in decline letters.
UDAP Laws: Unfair or Deceptive Acts or Practices laws prohibiting misleading business practices. Decline letters must be clear, truthful, and not misleading.
FTC Regulations: Federal Trade Commission regulations governing fair business practices and consumer protection. Provides guidelines for business communications including decline letters.
