Lenders must notify credit applicants of its decision within 30 days after the request is completed. If credit is denied, the creditor has a written statement that the action taken, reason for denial (or how to request), includes the rights of the applicant and the name and address of the enforcement of federal authority. If you believe that discrimination has occurred, you have the right to file suit. If creditors are found to have discriminated unfairly, they may be liable to be up to 10,000 € for actual damages and punitive damages.