A mortgage broker consistently refers African American applicants in a predominantly minority neighborhood to a subprime lender charging 2.5% above market rates, while referring similarly qualified White applicants in the same income bracket to conventional lenders. This practice violates:

Only Dodd-Frank's anti-steering provisions, because the issue is loan product selection Only the Fair Housing Act, because the discrimination is based on race The Community Reinvestment Act, because the lender is failing to serve the minority community with fair pricing The Equal Credit Opportunity Act and the Fair Housing Act, and may also constitute predatory steering under Dodd-Frank