3-a. It shall not be an unlawful discriminatory practice to consider
age in determining credit worthiness when age has a demonstrable and
statistically sound relationship to a determination of credit
worthiness.
4. a. If so requested by an applicant for credit, a creditor shall
furnish such applicant with a statement of the specific reasons for
rejection of the applicant's application for credit.
b. If so requested in writing by an individual who is or was married,
a creditor or credit reporting bureau shall maintain in its records a
separate credit history for any such individual. Such separate history
shall include all obligations as to which such bureau has notice with
respect to which any such person is or was individually or jointly
liable.
5. No provision of this section providing spouses the right to
separately apply for credit, borrow money, or have separate credit
histories maintained shall limit or foreclose the right of creditors,
under any other provision of law, to hold one spouse legally liable for
debts incurred by the other.
6. Any person claiming to be aggrieved by an unlawful discriminatory
practice engaged in by a regulated creditor, in lieu of the procedure
set forth in section two hundred ninety-seven of this article, may file
a verified complaint with the superintendent, as provided hereinafter;
provided, however, that the filing of a complaint with either the
superintendent or the division shall bar subsequent recourse to the
other agency, as well as to any local commission on human rights, with
respect to the grievance complained of.
7. In the case of a verified complaint filed with the superintendent
the following procedures shall be followed: