Lois J. Haynes, for Herself and All Others Similarly Situated, Plaintiffs v. Bank of Wedowee, a State Bank

GODBOLD, Circuit Judge:

The issue before us concerns whether the Equal Credit Opportunity Act, 15 U.S.C. § 1691 et seq (1976) (ECOA), allows a lending institution to consider the bankruptcy of a debtor’s spouse when determining whether to declare a debtor in default on a loan. We hold that the Bank of Wedowee, appellee, legitimately considered the bankruptcy of appellant’s husband when it declared her in default and, in satisfaction of her debt, applied a portion of the funds in a joint checking account she shared with her husband. Accordingly, we affirm the district court.

In the summer of…