Equal Credit Opportunity Act

E82913

United States federal law anti-discrimination law

The Equal Credit Opportunity Act is a U.S. federal law that prohibits discrimination in any aspect of a credit transaction on the basis of characteristics such as race, sex, marital status, religion, national origin, age, or receipt of public assistance.

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All labels observed (3)

Label	Occurrences
Equal Credit Opportunity Act canonical	11
Equal Credit Opportunity Act (in coordination with other agencies)	1
Regulation B	1

Statements (47)

Predicate	Object
instanceOf	United States federal law ⓘ anti-discrimination law ⓘ
administeredBy	Consumer Financial Protection Bureau ⓘ Federal Trade Commission ⓘ
allows	class actions ⓘ private civil actions ⓘ
appliesTo	credit transactions ⓘ creditors ⓘ
codifiedAt	15 U.S.C. § 1691 et seq. ⓘ
country	United States of America ⓘ surface form: United States
covers	business credit ⓘ consumer credit ⓘ
enactedBy	United States Congress ⓘ
enforcedBy	Consumer Financial Protection Bureau ⓘ Federal Trade Commission ⓘ federal banking agencies ⓘ state attorneys general ⓘ
implementedByRegulation	Equal Credit Opportunity Act self-linksurface differs ⓘ surface form: Regulation B
partOf	Consumer Credit Protection Act ⓘ
permits	consideration of age in certain legitimate underwriting circumstances ⓘ
primaryPurpose	prohibit credit discrimination ⓘ
prohibits	credit scoring systems with discriminatory effects ⓘ discouraging applicants on a prohibited basis ⓘ
prohibitsDiscriminationOnBasisOf	age ⓘ color ⓘ exercise of rights under the Consumer Credit Protection Act ⓘ marital status ⓘ national origin ⓘ race ⓘ receipt of public assistance ⓘ religion ⓘ sex ⓘ
providesFor	actual damages ⓘ attorney’s fees ⓘ equitable and declaratory relief ⓘ punitive damages ⓘ
publicLawNumber	Public Law 93-495 ⓘ
RegulationBCodifiedAt	Code of Federal Regulations ⓘ surface form: 12 C.F.R. Part 1002
relatedTo	Fair Credit Reporting Act ⓘ Fair Housing Act of 1968 ⓘ surface form: Fair Housing Act Truth in Lending Act ⓘ
requires	collection of monitoring information for certain mortgage applications ⓘ notice of adverse action ⓘ record retention by creditors ⓘ
scope	any aspect of a credit transaction ⓘ
shortName	ECOA ⓘ
yearEnacted	1974 ⓘ

Referenced by (13)

Full triples — surface form annotated when it differs from this entity's canonical label.

Community Reinvestment Act → relatedTo → Equal Credit Opportunity Act ⓘ

Consumer Financial Protection Bureau → enforces → Equal Credit Opportunity Act ⓘ

Housing and Civil Enforcement Section → enforces → Equal Credit Opportunity Act ⓘ

Equal Credit Opportunity Act → implementedByRegulation → Equal Credit Opportunity Act self-linksurface differs ⓘ

this entity surface form: Regulation B

Home Mortgage Disclosure Act → relatedTo → Equal Credit Opportunity Act ⓘ

CRA → relatedTo → Equal Credit Opportunity Act ⓘ

subject surface form: Community Reinvestment Act

HCE Section → enforcesLaw → Equal Credit Opportunity Act ⓘ

this entity surface form: Equal Credit Opportunity Act (in coordination with other agencies)

United States financial institutions → subjectTo → Equal Credit Opportunity Act ⓘ

Banking Code of the United States → includes → Equal Credit Opportunity Act ⓘ

Public Law 94-200 → relatedTo → Equal Credit Opportunity Act ⓘ

ECOA → fullName → Equal Credit Opportunity Act ⓘ

Public Law 93-495 → shortTitle → Equal Credit Opportunity Act ⓘ

Public Law 93-495 → contains → Equal Credit Opportunity Act ⓘ