LGBTQI Business Equal Credit Enforcement and Investment Act

This bill amends the Equal Credit Opportunity Act to require lenders to collect and report data on loans to LGBTQI-owned businesses. It specifically adds "LGBTQI-owned" to existing categories for data collection, includes sexual orientation, gender identity, and intersex status as protected characteristics in lending data, and defines an "LGBTQI-owned business" as one where over 50% of ownership/control and net profit/loss accrues to self-identifying LGBTQI individuals. The policy change directly affects financial institutions that report lending data to the government, mandating they track and disclose these new categories. This provides concrete data on lending practices for LGBTQI business owners, who face documented barriers in accessing credit.