Which of the following is not included in the nine "protected classes" as defined by Regulation B?

The correct understanding lies in the fact that Regulation B, which implements the Equal Credit Opportunity Act (ECOA), defines certain protected classes aimed at preventing discrimination in lending practices. The nine protected classes include race, color, religion, national origin, sex, marital status, age, and because they receive public assistance.

Gender identity, while a significant aspect of anti-discrimination laws in many contexts, is not explicitly identified as a protected class under Regulation B. Therefore, this option does not align with the established categories intended to safeguard individuals in lending scenarios.

The other selected options—race, age, and marital status—are directly included in the nine protected classes under Regulation B, reinforcing the intent of the regulation to prohibit discrimination based on these characteristics. Understanding this distinction is crucial for ensuring compliance with consumer lending regulations and advocating for equitable treatment in lending situations.