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Although home mortgages may not be the ultimate subject of every fair lending examination, this product line must at least be considered in the course of scoping every institution that is. The fair housing act (fhact) and the equal credit opportunity act (ecoa). This overview provides a basic and abbreviated discussion of federal fair lending laws and regulations
It is adapted from the interagency policy statement on fair lending issued in march. Two different federal laws deal with discrimination in lending The civil rights division’s housing and civil enforcement section enforces laws to protect equal access to credit
These laws include the equal credit opportunity act (ecoa) and.
The fair housing act (fha) and equal credit opportunity act (ecoa) protect consumers by prohibiting unfair and discriminatory practices. The civil rights act of 1968 and the national housing act prohibit discrimination in lending on the basis of sex The equal credit opportunity act, in addition to this prohibition, forbids. In this section equal credit opportunity act (regulation b) fair housing act (fha) home mortgage disclosure act (regulation c) last modified on 10/30/19
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