24 CFR § 100.141 - Definitions.

---
identifier: "/us/cfr/t24/s100.141"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "24 CFR § 100.141 - Definitions."
title_number: 24
title_name: "Housing and Urban Development"
section_number: "100.141"
section_name: "Definitions."
chapter_name: "OFFICE OF ASSISTANT SECRETARY FOR EQUAL OPPORTUNITY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT"
part_number: "100"
part_name: "DISCRIMINATORY CONDUCT UNDER THE FAIR HOUSING ACT"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "42 U.S.C. 3535(d), 3600-3620."
regulatory_source: "54 FR 3283, Jan. 23, 1989, unless otherwise noted."
cfr_part: "100"
---


# 100.141 Definitions.

As used in this subpart:

*Lender* means a person who engages in a residential real estate-related lending transaction.

*Residential real estate-related lending transaction* means the making of a loan:

(1) For purchasing, constructing, improving, repairing, or maintaining a dwelling; or

(2) Secured by residential real estate.

*Self-test* means any program, practice or study a lender voluntarily conducts or authorizes which is designed and used specifically to determine the extent or effectiveness of compliance with the Fair Housing Act. The self-test must create data or factual information that is not available and cannot be derived from loan files, application files, or other residential real estate-related lending transaction records. Self-testing includes, but is not limited to, using fictitious credit applicants (testers) or conducting surveys of applicants or customers, nor is it limited to the pre-application stage of loan processing.

[62 FR 66432, Dec. 18, 1997]