Saint Paul, Minn., Legis. Code ch. 183 § 183.11
Credit discrimination
Operative Text
It is an unfair discriminatory practice: (1) To discriminate in the extension of personal or commercial credit to a person, or in the requirements for obtaining credit; or (2) For a credit card issuer to refuse to issue a credit card to a woman under her current or former surname unless there is an intent to defraud or mislead, except that a credit card issuer may require that a woman requesting a card under a former surname open a separate account in that name. A credit card issuer may also require disclosure of any other names under which the credit card applicant may have a credit history.
Saint Paul Legislative Code ch. 183 § 183.11 establishes that discriminating against a person in the extension of personal or commercial credit, or in the conditions required to obtain credit, constitutes an unfair discriminatory practice. The provision also specifically addresses credit cards: a card issuer may not refuse to issue a card to a woman solely because she uses her current or former surname, unless fraud or deception is involved. A card issuer may, however, require that a request under a former name result in a separate account, and may ask the applicant to disclose other names under which she may have a credit history.
Plain English — not legal advice.
Property owners and managers who extend credit-related arrangements to applicants or tenants should be aware that Saint Paul Legislative Code ch. 183 § 183.11 prohibits discriminatory practices in the extension of personal or commercial credit and in the conditions placed on obtaining it. Compliant operators apply uniform credit criteria across all applicants regardless of protected characteristics, and do not impose additional or different requirements based on a person's name or gender. Operators who issue any form of credit instrument should also ensure their policies around name-based account requirements align with the narrow exceptions the provision permits.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Saint Paul Legislative Code ch. 183 § 183.11 gives individuals the right to be free from discriminatory treatment when applying for personal or commercial credit, including protections for women seeking credit under a current or former surname. If a tenant or applicant believes a landlord or creditor has applied different credit standards based on a protected characteristic, that experience may constitute an unfair discriminatory practice under this provision. General enforcement paths can include filing a complaint with a local human rights or civil rights office, raising the violation as a defense in a relevant proceeding, or reaching out to a tenant-rights organization for information about available options.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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