In certain circumstances, both theories may use. Disparate therapy takes place when a lender treats a customer differently due to a protected attribute. Disparate therapy ranges from overt discrimination to more subdued variations in therapy that will harm customers and will not should be inspired by prejudice or perhaps an intent that is conscious discriminate. The Federal Reserve has made many recommendations towards the U.S. Department of Justice (DOJ) involving treatment that is disparate rates where bank employees charged greater fees or rates of interest on loans to minorities than to comparably qualified nonminority customers. These recommendations have actually resulted in many DOJ enforcement actions.