What type of inquiries regarding childbearing intentions are allowed under Regulation B?

The correct choice highlights that inquiries regarding an applicant's ability to repay a loan are permitted under Regulation B. Regulation B, which is implemented under the Equal Credit Opportunity Act (ECOA), focuses on ensuring that lending practices do not discriminate based on certain protected classes, including sex and marital status.

When assessing a borrower's financial situation and creditworthiness, it is both relevant and permissible to inquire about their ability to repay the proposed loan. This evaluation is grounded in the need to assess the applicant's overall financial health and capacity to meet the obligations associated with the credit extended to them.

In contrast, inquiries related to maternity leave, childbearing capabilities, or birth control practices can lead to discriminatory lending practices, as they may suggest biases against women or specific groups based on their family planning or personal circumstances. Such inquiries could result in violating the principles set forth by Regulation B, which seeks to provide a fair and equitable lending environment for all applicants, irrespective of their gender or family status.