Assuming that the clerk had required a cosigner based on Sage’s race or gender, what act prohibits such credit discrimination? Leota Sage saw a local motorcycle dealer’s newspaper advertisement for a MetroRider EZ electric scooter for $1,699. When she went to the dealership, however, she learned that the EZ model had been sold out. The salesperson told Sage that he still had the higher-end MetroRider FX model in stock for $2,199 and would offer her one for $1,999. Sage was disappointed but decided to purchase the FX model. When Sage said that she wished to purchase the scooter on credit, she was directed to the dealer’s credit department. As she filled out the credit forms, the clerk told Sage, who is an African American, that she would need a cosigner to obtain a loan. Sage could not understand why she would need a cosigner and asked to speak to the store manager. The manager apologized, told her that the clerk was mistaken, and said that he would “speak to” the clerk about that. The manager completed Sage’s credit application, and Sage then rode the scooter home. Seven months later, Sage received a letter from the manufacturer informing her that a flaw had been discovered in the scooter’s braking system and that the model had been recalled. Using the information presented in the chapter, answer the following questions.