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- Equal Credit Opportunity. 2010 ECOA Report - (black And White)
Get Equal Credit Opportunity. 2010 ECOA Report - (black And White)
SUMMARY: Section 701 of the Equal Credit Opportunity Act (ECOA) requires a creditor to notify a credit applicant when it has taken adverse action against the applicant. The ECOA adverse action requirements are implemented in the Board s Regulation B. Section 615(a) of the Fair Credit Reporting Act (FCRA) also requires a person to provide a notice when the person takes an adverse action against a consumer based in whole or in part on information in a consumer report. Certain model notices in.
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Cfr FAQ
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This applies to most lenders, including companies that offer auto loans, student loans, and credit cards, among others. To comply with antidiscrimination laws, most mortgage lenders are required to ask about your race, ethnicity, and sex.
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Types of Lending Discrimination Overt evidence of disparate treatment; • Comparative evidence of disparate treatment; and • Evidence of disparate impact.
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The law makes it illegal for an employer to make any employment decision because of a person's race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), national origin, age (40 or older), disability or genetic information.
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ECOA makes it illegal for lenders to discriminate based on race, color, religion, national origin, sex, marital status, age, the receipt of public assistance, and the applicant's exercise of specific consumer protection laws. Various federal agencies enforce ECOA.
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ECOA makes it illegal for lenders to discriminate based on race, color, religion, national origin, sex, marital status, age, the receipt of public assistance, and the applicant's exercise of specific consumer protection laws.
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The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives ...
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The purpose of ECOA is to promote the availability of credit to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); because all or part of the applicant's income derives from any public assistance ...
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This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
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The ECOA and Disparate Impact Theory...
by WF Taylor · 2018 · Cited by 20 — 165. When creditors disqualified these women for...
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Intent and Empirics: Race to the Subprime
by CN Brown · 2010 · Cited by 27 — Moreover, the Equal Credit Opportunity Act60 (ECOA)...
Learn more -
Fair Lending 2.0: A Borrower-Based Solution to ...
by JR Bybee · 2011 · Cited by 11 — In 1974, Congress also passed Equal Credit...
Learn more -
Key Dimensions and Processes in the U.S. Credit...
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Learn more -
Post-Racial Lending?
by CJ Havard · 2014 · Cited by 4 — The fair lending laws, the Equal Credit Opportunity...
Learn more -
The Evolution of Black Neighborhoods Since Kerner
by MD Casey · 2018 · Cited by 16 — This article studies the evolution of African...
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AI Lending and ECOA: Avoiding Accidental...
by MA Griffith · 2023 — Notably, particularly for this note, the ECOA was amended in...
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