Consumer Protection Law

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i am try to get a loan from a local bank. In my work history

i was on medical leave...
i am try to get a loan from a local bank. In my work history i was on medical leave for 1 yr. The bank is trying to make me tell what the medical problem was. Is this legal?
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Answered in 6 minutes by:
8/24/2013
Loren
Loren, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 34,917
Experience: 30 years experience in general legal matters.
Verified
Thank you for using JustAnswer. I am JudgeLaw and I will do whatever I can to answer your question and provide you excellent service.

I am sorry to hear of your dilemma.   I realize how frustrating this is for you and I hope to provide you information which is accurate and useful, even though it may not be the news you were hoping to get.

Unfortunately, there is nothing illegal in the question since it is directly related to your work history, which is directly related to your ability to repay the loan.

There is, relatively, little regulation in what a bank can ask in order to meet its own specific underwriting criteria. You can decline to answer, but the bank can decline to approve the loan, as well.

I am sorry. I realize this is not the answer you were hoping for. As a professional, however, I am sometimes placed in the position of having to deliver news which is not favorable to a customer's position, but accurately reflects their position under the law. I hate it, but it happens and I ask that you not penalize me for having to deliver less than favorable news.

It is my privilege to assist you. Let me know if you need further information.  I hope I have helped you beyond your expectations in the service I have provided to you.  I am here for you.

Please remember to rate my answer when our communication is completed so I will be compensated for my time in providing you with the information you requested.

If you feel the need to provide a low rating, please stop and reply to me via the REPLY button with whatever issue or clarification you may need. I will happily answer your follow-up questions and assist you until I am able to explain the answer to your satisfaction. Please also remember that I cannot control whether the law is favorable to your situation, so please do not penalize me for having to deliver bad news.

Thank you.

JudgeLaw
Loren
Loren, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 34,917
Experience: 30 years experience in general legal matters.
Verified
Loren and 87 other Consumer Protection Law Specialists are ready to help you
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Thank you for your positive rating of my service to you. Let me know if you need more help or have future questions. I will be here for you. Just ask for me by name at the start of your question - "JudgeLaw" or use the following link (which you can bookmark in your browser):  http://www.justanswer.com/law/expert-JudgeLaw/
          

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If it is not too much trouble, Josie, when you receive a Customer Satisfaction Survey from JA/Pearl in a day or two, please do rate me highly (9 or 10). It affects my ability to continue to assist you and other customers on JA/Pearl and would be most appreciated.
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Loren
Loren
Loren, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 34,917
34,917 Satisfied Customers
Experience: 30 years experience in general legal matters.

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