Toth v. Michigan State Housing Development Authority

136 F.3d 477 (1998)

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Nature of the Case

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Facts

P was discharged in bankruptcy in June 1995. Several months later, P applied D for a home improvement loan. D notified P that her loan application had been denied due to D's policy of requiring at least three years to lapse after the date of a bankruptcy discharge before a loan application will be processed. P sued Ds alleging that D and two of its officials unlawfully discriminated against her in violation of § 525(a) of the Bankruptcy Code. The court granted Ds’ motion for summary judgment on the merits. P appealed and asserts that the strictures of § 525(a) apply to the home improvement loan program operated by D to prohibit implementation of the agency's policy to deny her a loan based solely upon her prior discharge in bankruptcy.