KRS 344.400: Unlawful practices in connection with credit transactions -- Exceptions.

(1) It shall be an unlawful practice for any person, whether acting for himself or

another, in connection with any credit transaction because of race, color, religion,

national origin or sex to:

(a) deny credit to any person;

(b) increase the charges or fees for or collateral required to secure any credit

extended to any person;

(c) restrict the amount or use of credit extended or impose different terms or

conditions with respect to the credit extended to any person or any item or

service related thereto;

(d) attempt to do any of the unlawful practices defined in this section.

(2) The provisions of this section shall not prohibit any party to a credit transaction

from considering the credit history of any individual applicant.

(3) The provisions of thi s section shall not prohibit any party to a credit transaction

from considering the application of Kentucky law on dower, curtesy, descent and

distribution to the particular case or from taking reasonable action thereon.