The ECOA requires creditors to notify an applicant of its acceptance or rejection within 30 days from receipt of the application. If your application is rejected you have a right to request a written response as to why your credit application was denied. The creditor must respond with the specific reasons within 60 days.
If you believed that you have been discriminated against, cite the ECOA law to the creditor. If that fails, consider contacting the Federal Trade Commission to file a complaint. For more information about how to file a complaint, check out http://www.consumeraction.gov, www.ftc.gov, or call the toll-free number, 1-887-FTC-HELP.