This is from Consumer ComplianceHandbook Division of Consumer and Community Affairs''Accommodation loan''-There are many legitimate reasons that may make a transaction appealing to a lender apart from the familiar qualifications demanded by the secondary market and insurers. For example, a customer may be an employee of an important business customer, related to or referred by an important customer, or a political or entertainment figure who would bring prestige to the institution. It is not illegal discrimination to make a loan to an otherwise unqualified control group applicant who has such attributes, while denying a loan to an otherwise similar prohibited-basis applicant who does not. However, be skeptical when the lender cites reasons for ''accommodations'' that an ordinary prudent lender would not value
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