Which three bases are protected under the Fair Housing Act not covered by ECOA?

The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) protect different sets of characteristics in housing and lending practices. In this context, the correct basis includes disability, familial status, and age.

Disability is explicitly protected under the FHA, requiring housing providers to make reasonable accommodations for individuals with disabilities. Familial status protects families with children under the age of 18 from discrimination in housing, ensuring that they have equal access to housing opportunities. Age is not directly mentioned as a protected class under the FHA, but it can be indirectly considered, particularly in relation to familial status where age of children is a factor.

The other combinations present bases that either overlap with existing protections under the FHA and ECOA or include characteristics not addressed by the FHA. Therefore, focusing on disability and familial status illustrates the unique protections that the FHA offers that are not covered by the ECOA, making this combination distinct.