Conn. Gen. Stat. » Title 46a — HUMAN RIGHTS · Chapter 814c — Human Rights and Opportunities
Connecticut General Statutes

Conn. Gen. Stat. § 46a-65 (2026)

(Formerly Sec. 36-436). Discriminatory credit practices: Definitions

✓ current as of May 2026
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As used in this section and sections 46a-66, 46a-67, 46a-81f and 46a-98:

(1) “Credit” means the right granted by a creditor to a person to defer payment of debt or to incur debt and defer its payment, or purchase property or services and defer payment therefor, including but not limited to the right to incur and defer debt which is secured by residential real property;

(2) “Creditor” means any person who regularly extends or arranges for the extension of credit for which the payment of a finance charge or interest is required whether in connection with loans, sale of property or services or otherwise;

(3) “Invitation to apply for credit” means any communication, oral or written, by a creditor which encourages or prompts an application for credit;

(4) “Application for credit” means any communication, oral or written, by a person to a creditor requesting an extension of credit to that person or to any other person, and includes any procedure involving the renewal or alteration of credit privileges or the changing of the name of the person to whom credit is extended;

(5) “Extension of credit” means all acts incident to the evaluation of an application for credit and the granting of credit;

(6) “Credit sale” means any transaction with respect to which credit is granted;

(7) “Credit transaction” means any invitation to apply for credit, application for credit, extension of credit or credit sale.

(P.A. 73-573, S. 1; P.A. 80-422, S. 13; P.A. 91-58, S. 25.)

History: P.A. 80-422 deleted definition of “commission”, i.e. commission on human rights and opportunities, replaced alphabetic Subdiv. indicators with numeric indicators and substituted specific section references for “this chapter”; Sec. 36-436 transferred to Sec. 46a-65 in 1981; P.A. 91-58 added reference to Sec. 46a-81f in introductory clause.

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Notes of Decisions
Cited in 2 cases, 1998–2003 · leading case: Kloth v. Citibank (South Dakota), N.A., 33 F. Supp. 2d 115 (D. Conn. 1998).
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Kloth v. Citibank (South Dakota), N.A., 33 F. Supp. 2d 115 (D. Conn. 1998). · cites it 7× “Accordingly, the motion to dismiss the claim of discriminatory credit practices under Conn. Gen.Stat. §§ 46a-65, 46a-66 is GRANTED as a matter of law.”
Desardouin v. United Parcel Serv., Inc., 285 F. Supp. 2d 153 (D. Conn. 2003). · cites it 4× “§ 46a-65 and § 46a-66, which likewise require a complainant to pursue his discrimination claim first through the administrative procedures provided by the CHRO.”
— Conn. Gen. Stat. § 46a-65(7) — 1 case
Kloth v. Citibank (South Dakota), N.A., 33 F. Supp. 2d 115 (D. Conn. 1998). “Accordingly, the motion to dismiss the claim of discriminatory credit practices under Conn. Gen.Stat. §§ 46a-65, 46a-66 is GRANTED as a matter of law.”
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