{"data":{"id":"us/24-cfr-100.141","jurisdiction":"us","citation":"24 CFR 100.141","heading":"Definitions.","body":"As used in this subpart:\nLender means a person who engages in a residential real estate-related lending transaction.\nResidential real estate-related lending transaction means the making of a loan:\n(1) For purchasing, constructing, improving, repairing, or maintaining a dwelling; or\n(2) Secured by residential real estate.\nSelf-test means any program, practice or study a lender voluntarily conducts or authorizes which is designed and used specifically to determine the extent or effectiveness of compliance with the Fair Housing Act. The self-test must create data or factual information that is not available and cannot be derived from loan files, application files, or other residential real estate-related lending transaction records. Self-testing includes, but is not limited to, using fictitious credit applicants (testers) or conducting surveys of applicants or customers, nor is it limited to the pre-application stage of loan processing.","path":["Title 24—Housing and Urban Development","Subtitle B—Regulations Relating to Housing and Urban Development","CHAPTER I—OFFICE OF ASSISTANT SECRETARY FOR EQUAL OPPORTUNITY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","PART 100—DISCRIMINATORY CONDUCT UNDER THE FAIR HOUSING ACT","Subpart C—Discrimination in Residential Real Estate-Related Transactions"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-24.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:55Z","sha256":"7e6fb6c4c513a62dc4d35cbf25e1f2e4b5fc97dbf2121429edc0b8551a38965f","source_id":"us-cfr","stale":true,"prev":"us/24-cfr-100.140","next":"us/24-cfr-100.142"},"notice":"GroundRules: Original legal text. Not legal advice."}