Section 1003.4(a)(10) of the Home Mortgage Disclosure Act requires all mortgage lenders to collect various consumer data, including information about an applicant’s ethnicity, race, sex, and age. We state this requirement at the top of the page in which the information is collected. This protected information in no way impacts an applicant’s offer, as required by the Equal Credit Opportunity Act and Fair Housing Act. In fact, applicants have the opportunity to refuse disclosure of this information, as you did, nullifying any opportunity for discrimination.