The Equal Credit Opportunity Act (ECOA) was passed in 1974 and ammended in 1976. You dont "use" the ECOA per se unless you feel that you were denied credit in some form and that denial was based on something that the ECOA says you may not be denied for.

Most reputable financial institutions and creditors follow the ECOA.

Equal Credit Opportunity Act

Equal Credit Opportunity Act

Enemy Courses of Action

The Equipment Company Of America

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Yes, one violated Regulation B in the Equal Credit Opportunity Act (ECOA).

If a credit report was used as part of the criteria for denying credit, then the Fair Credit Reporting Act (FCRA) may also have been violated.

ECOA is overseen by the Federal Trade Commission for mortgage brokers and the OCC for mortgage bankers

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The Equal Credit Opportunity Act (ECOA) prohibits discrimination on the basis of race, color, national origin, sex, marital status, or age in any aspect of a credit transaction, including application, terms, and extension of credit.