Which of the following is NOT considered a prohibited activity related to protected classifications?

Offering standardized loan terms for all borrowers is not considered a prohibited activity related to protected classifications. This practice promotes fairness and equity in lending, as it ensures that all applicants are treated uniformly regardless of their race, color, religion, sex, national origin, age, marital status, or any other protected characteristic. Standardized loan terms create a level playing field that helps prevent discrimination.

In contrast, steering applicants toward specific loan products based on their protected characteristics can lead to discriminatory practices, which is why it is considered prohibited. Similarly, applying excessive qualification standards can disproportionately impact certain groups, making it a concerning practice. Providing different services based on race is also a severe violation of anti-discrimination laws and is unequivocally prohibited. Therefore, the practice of offering standardized loan terms supports the principles of equal treatment and non-discrimination in mortgage lending.