1. Whether the Equal Credit Opportunity Act 15 U.S.C. § 1691 et seq., authorizes a cause of action for individuals who are prospective applicants or inquirers, and who have been subject to discriminatory discouragement by lenders prior to the submission of a formal credit application, thereby resolving a circuit split between the Tenth and Seventh Circuits.

2. The 10th Circuit's decision raises the following issues not yet decided by this Court:

I. Did Congress intend for the Equal Credit Opportunity Act to allow discrimination to occur to borrowers before they have a completed loan application?

II. Should prospective applicants be able to bring suit under the Equal Credit Opportunity Act?

Whether the Equal Credit Opportunity Act authorizes a cause of action for individuals who are prospective applicants or inquirers subject to discriminatory discouragement by lenders prior to submitting a formal credit application