The mortgage lending department of Bank XYZ received some inquiries from potential applicants who are visually impaired. The bank would like to comply with
ADA concerning these potential applicants, but it does not want to spend a significant amount of money. Which of the following statements is true?
Under the Americans with Disabilities Act (ADA), businesses, including banks, are required to provide reasonable accommodations to individuals with disabilities to ensure they have equal access to services. Providing a loan assistant to read the loan application and disclosure documents to the applicant and assist in completing the forms is a reasonable and low-cost accommodation. This approach ensures accessibility without incurring significant expenses, as required by ADA guidelines. Translating all documents into Braille, requiring the applicant to bring assistance, or refusing to lend to blind persons would not comply with ADA regulations.
Under the Americans with Disabilities Act (ADA), businesses, including banks, are required to provide reasonable accommodations to individuals with disabilities to ensure equal access to services. In the case of visually impaired applicants, the bank can reasonably accommodate them by providing a loan assistant to read the loan application and disclosure documents to the applicant and assist in completing the forms. This accommodation is relatively low-cost and helps ensure accessibility without requiring extensive modifications or investments like translating documents into Braille. Options A, C, and D do not reflect appropriate actions under ADA regulations. Option A involves significant expense and may not be necessary for compliance. Option C places an unnecessary burden on the applicant to bring their own assistance. Option D constitutes discrimination based on disability, which is prohibited by the ADA.