Legal Question in Credit and Debt Law in Tennessee
Retail Establishment Policy on Accepting Checks
Retail business-We have made a Policy for accepting checks. The policy is: A Valid Driver's License and a Major credit card(Visa,MC, American X-Press, or Discover).
Are we in violation of a civil rights law by not accepting a check from a person with no major credit card?
Thank you for your response in this matter.
1 Answer from Attorneys
Re: Retail Establishment Policy on Accepting Checks
It is my belief that you are not violating a civil rights
law.
There's no law protecting the class of people who don't have
credit cards. I suppose you're thinking that black people are less
likely to have credit cards and thus you are acting
like a racist, is that it?
Not to worry so much; you have a genuine business purpose for your policy,
I think, and I assume you're not just using that as a technique to target
and harass and discourage one minority from shopping at your store.
(I COULD be wrong, but I don't think so.)