Vote Yes on this bill if you want lenders to judge borrowers by real financial risk instead of neighborhood race, ethnicity, or building age, give written reasons for denials, share key loan records, and be allowed to avoid making very small loans.

Organizations that support this bill may include banks, mortgage lenders, credit unions, and business groups that favor clearer lending rules, more transparency, and higher minimum loan amounts for small mortgages and home repair loans.

Vote No on this bill if you want to protect access to small mortgages and home improvement loans, because raising the minimum loan amounts could make it harder for people in lower-cost communities to buy homes or finance basic repairs.

Organizations that oppose this bill may include housing advocates, fair lending groups, neighborhood development organizations, and consumer protection groups concerned that higher minimum loan amounts could shut out lower-income borrowers and owners of lower-cost homes.