loan without any verification process, citing communication ability of a person with an intellectual disability and possible future disputes, not only has procedural irregularities, but also constitutes a discriminatory act violating Article 17 of the Disability Discrimination Act, rejecting loan application on the ground of the victim's being a person with an intellectual disability. ○ Discrimination in Use of Banks by Persons with Visual Impairment Mr. Gang (age 30) and Ms. Jeon (age 50) filed complaints to the Commission in July 2010 and July 2009, respectively, alleging that "A Bank and B Bank do not issue Braille telebanking security cards to individual customers or corporate clients for persons with visual impairment, hindering free financial transactions." The accused responded that, although they are issuing Braille telebanking security cards to individual customers with visual impairment, they do not issue Braille security cards for corporate clients, as, in the case of corporate Braille telebanking security cards, their demand is small, yet transaction amounts are very large and there is a danger of accidents such as hacking. However, the Commission considered that the reasons of not issuing Braille telebanking security cards for persons with visual impairment claimed by the banks do not fall under the categories of cases of imposing excessive burden on banks or significantly difficult conditions, or unavoidable cases in the course of executing particular duties or business. Consequently, the Commission decided that this practice constituted a discriminatory act violating Article 17 of the Disability Discrimination Act without reasonable cause. ○ Discrimination Restricting the Right to Mobility of Persons with Disabilities Mr. Kim (age 29) and Ms. Yang (age 26) filed a complaint to the Commission alleging that, "as there are no mobility convenience facilities such as elevators installed in the underground commercial arcade in front of OO Station, persons with disabilities using 96 Part II. Major Activities of the Commission