What is an "incident?"

It is a decision or action, usually made by someone in authority, in one of the five areas, which adversely affects someone.
"Failure to hire," "
harassing conduct," "failure to accommodate," "unequal pay," and "termination" are considered incidents in employment.
"Failure to serve" and "unequal service" are incidents in public accommodations.
"Refusal to rent/sell," "unequal terms," and "eviction" are incidents in housing.
"Refusal to admit," "harassing conduct," and "suspension" are incidents in education.
"Refusal to extend credit" and "unequal terms" are incidents in credit.