@Lana Back in the late 70s, I was working at USPS, where there was a no-layoff clause in the employment contract. I purchased a house and a car, with good payment record, good credit score. But as a single female, I was denied credit card applications - again and again. This being AFTER the law you reference from 50 years ago.
@EWinterNM same. I have perfect credit, own my own business, have 20,000 down payment but nobody will write a home loan for me. I've been denied so many times I've just given up.